davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
XXXX5 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ava Finance, Inc (FL)

It is not a hard inquiry but I did not know where to classify it. I have a closed Ava Finance Inc account reported in my XXXX credit report closed on XX/XX/year>. I did not authorize any opening or closing of the account, so I do not recognize the account I recently saw in my bank account an ava finance transaction made with a debit card that had its data compromised
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/2024 Re : Jefferson Capital Systems Collection Agency RE : Dispute and Complaint Regarding Violation of Consumer Rights Violation To Whom It May Concern, I am writing to formally dispute and challenge the collection activities carried out by collection agency Jefferson Capital Systems in connection with an alleged debt that has been reported to consumer reporting agencies. It has come to my attention that the agency has violated several provisions of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

First and foremost, I am deeply concerned that the agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection account on my consumer report. This violation undermines my rights as a consumer and is a clear breach of federal regulations designed to protect consumers from inaccurate and unsubstantiated debt reporting. 

Moreover, I have not been afforded the opportunity to dispute the alleged account in accordance with 12 CFR 1006.34 ( c ) ( i ). This collection agency 's actions in this regard not only deprive me of my right to challenge the accuracy of the debt but also constitute an unfair and deceptive practice under the FDCPA.

In addition, the agency has failed to provide the necessary disclosures required by law before furnishing the account information to consumer reporting agencies. This lack of compliance with 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ) is a serious violation that jeopardizes the accuracy and integrity of credit reporting systems. 

Furthermore, I hereby revoke any authorization for communication via email, text, or phone calls as per my rights under the FDCPA. 

In light of the foregoing, I am formally requesting the following actions to be taken : 1. Immediate cessation of all collection activities related to the alleged debt pending the outcome of a thorough investigation into the violations outlined in this correspondence. 

XXXX. Validation of the alleged debt as per the requirements of 15 U.S.C. 1692g, including but not limited to the original creditor 's purchase agreement, account statements, and any other documents supporting the validity of the debt. 

XXXX. Proof of the agencys licensure and bonding as required by applicable state laws and regulations. 


I trust that your agency will take this matter seriously and address the concerns raised. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am filing a complaint against Equifax due to their failure to respond to a dispute letter that I mailed on XX/XX/2023. In my dispute, I addressed several items on my credit report, including XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX and XXXX - XXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Equifax regarding my dispute, and this lack of communication is a clear violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to fulfill their legal obligation to respond within the stipulated timeframe.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I am the victim of twXXXX financial crimes perpetrated on XX/XX/2023 in the amount of {$2600.00} and {$2900.00} involving your bank. I filed a fraud claim on XX/XX/XXXX at my local branch in XXXX managed by XXXX XXXX ( see attached ). I received a letter in the mail from your institution yesterday stating that your institution intends to honor these transactions and to allow the criminals who perpetrated these crimes to keep the money belonging to me that your institution gave them. 
I called the only Truest number available to me that anyone would answer, and was provided the attached document as evidence of an investigation. I spoke with someone named XXXX XXXX who was identified as a supervisor for financial fraud, and he told me there was nothing he could do and I should drive to my local branch and see if they could help me. He also indicated that this was actually my fault for not noticing it sooner. I asked to be put into contact with whomever investigated this crime. I was told I could not contact them nor would they contact me. I asked for the investigation report, and all I was provided was what I attached to this e-mail, which is clearly not a report.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NC)

I was charged {$35.00} 4 times for incidentals at XXXX XXXX for XX/XX/22 to XX/XX/22, XX/XX/22 to XX/XX/22, and XX/XX/22 to XX/XX/22. I was accidentally charged {$35.00} when the front desk thought the transaction didnt go and re-ran my card, but the first transaction did go through. On XX/XX/22, XXXX of the later charges canceled/refunded to my card d, but the older ones had not. XXXX XXXX management assured me that they were released and provided print outs that showed a XXXX balance. I reached out to Cash App support and was advised to get a print/out showing a XXXX balance and other details and they would refund the XXXX {$36.00} holds. When I went to XXXX XXXX and got pictures off the print-outs and uploaded them to Cash App support, they said they could not help me any further. They refused escalating the issue and disconnected the chat. I dont Think they should be able to not help with someone elses finances and no way to speak with any person for clarity.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I disputed my XXXX XXXX XXXX balance with TransUnion because they were reporting that I was holding a large balance without paying it. This was not true ; I held a large balance on the card that was promptly paid off due to moving expenses. Disputing this led to TransUnion completely removing XXXX XXXX XXXX from my credit report, resulting in a drop in score of XXXX points, and now I am unable to process my application for a home loan preapproval. 

XXXX  XXXX  says Transunion shows NO credit score for me whatsoever. This means I can not apply for a home loan at all as it looks like I have no credit history despite being almost XXXX XXXX XXXX and using my credit cards almost every day. 

This is not the first time Transunion has given me endless hassles and struggles when it comes to my financial well-being. I have also watched them boost my husband 's credit score past XXXX points despite his history with short sales and mortgage defaults. Yet, I have none of this on my record- I was NOT connected to my husband 's short sales in any way as these transactions happened BEFORE we were married - and I can barely crack XXXX. My husband is XXXX  and I am XXXX. I have to wonder if these demographics play a role in how I am treated by Transunion.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc (NY)

Ava took money out of my bank account for there fees and subscription, however, despite them taking payments they reported my account as late on XXXX XXXX i have tried to speak with reps repeatedly but was only able to talk through email with no resolution. Ava has falsely reported a late payment on my credit report and they should be held accountable. This is the worst company ever. I have closed my account with them, however, late payment is still on my report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hello, I applied for a credit line increase on my XXXX XXXX XXXX credit card on XX/XX/2023. On XX/XX/2023 I was notified that XXXX pulled my credit report and did a hard inquiry with TransUnion for the increase. The fact that XXXX would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for XXXX to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had bank of America joint account from XXXX to XXXX and I deposited XXXX in account and bank of America transfered all money to somebody s single account without asking me and joint account holder not giving me money and bank of America not giving me joint account records statements I want to know what happened to my account .did bank of America took all my money.so I want my joint account records and will pay fees to bank of America for job to get my records
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

We have asked for this information since XX/XX/2024, and have not received it as of today XX/XX/2024, I am not pleased with their response the letter we received today which is XX/XX/2024. The {$220.00} is still due WE DID NOT GET. Why should I pay for something I did not get, and they will not provide me with the information I need. It is turned over to a debt collection. I would love to get a relief from this situation AS SOON AS POSSIBLE. ALL I WANT IS HOW DID XXXX XXXX GET THE CASH MONEY INSIDE THE BANK? THIS IS THE SAME INFORMATION THAT I SENT TO XXXX XXXX XXXX OFFICE. WE SENT IT TO XXXX XXXX, XXXX XXXX, CXX/XX/XXXX. We also sent it into the XXXX XXXX XXXX What do we need to do in order get relief from this matter as soon as possible? This has been going on since XX/XX/2024, and this has been going on too long.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

XXXX Received letter from Dept. of Education stating full discharge of student loan balance. 
XXXX Filed complaint with DOE FSA with proof. 
XXXX Servicer replies email with Letter stating they received discharge from DOE and that discharge was in process. Claims account will remain in forbearance until discharged. 
XXXX Servicer sends account into repayment status. Now 5 months overdue. 
XXXX Filed second complaint with FSA to no response.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (DC)

Cash App wont allow me to open an account because they said that I violated their terms of usage. There is no way ive done that because there are many people that use cash app for the same purpose that I used it for. If cashapp is going to make a decision to affect one user, they should be consistent with their rules. I feel they have unfairly singled me out and it is unacceptable.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-06-14
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN FINANCING CORPORATION (MO)

I filed another complaint in regard to the application process. I actually spoke with a mortgage person today who confirmed my application was processed and my score was XXXX which was enough to qualify for an XXXX or XXXX mortgage. However, now they had a whole different reason why I couldnt get a loan. One which contradicts their website and the XXXX and XXXX loan rules. They told me I needed to close out all desputes on my credit report, even though they are valid disputes. They told me I needed to have XXXX months reserves in the bank. They told me I needed at least XXXX to XXXX percent down saved in a bank. None of which follows the rules for either loan. They clearly state XXXX down as little as on their website, loans for XXXX, and no reserves required for XXXX. They also did nothing but tell me I need to apply for other loans and get your score to XXXX. This is unacceptable!
Consumer complaint received 2022-06-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MS)

Someone had hacked into my cash app account and took {$340.00} out. They took XXXX out once they took XXXX out once and they took {$300.00} out once. Will they text me when the XXXX was coming out and hadn't come out yet I told them do not let that go through and they said they wouldn't the same person that did all three transactions. Cash app suggested that I open up a new account with a new email and they would reimburse me the money that was fraudulently took out. Open up a new account with a new email and I waited approximately 7 days cuz they told me be 7 to 10 days before they put it back in. I tried to open up my old account and my also my my password wouldn't let me in and I didn't have the same phone number. I've been going through this almost 3 months now with cash out time to get this money back in my account with no headway whatsoever. I've given them the same information over 50 times at least 50 times I've had over 50 correspondence with them and still haven't had no results at all. Can someone please help me here they owe me {$340.00} and I want my money
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third Bank Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in 2019 a charge of {$180.00} dollars the report number is XXXX with Florida XXXX XXXX XXXX XXXX 
The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> to XXXX XXXXIm now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in 2019 a charge of {$180.00} dollars the report number is XXXX with XXXX XXXXXXXX XXXX XXXX XXXX 
The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> to XXXX XXXX now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action