davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TX)

I disputed a debt on my credit report on XX/XX/XXXX from receivable Performance. I asked the company to provide me with a validation of the debt, I also told them that this account is not mine. I send them a letter certified. which was received and signed on XX/XX/XXXX by XXXX. As of today XX/XX/XXXX I have not received anything from this company and they are still reporting this debt as mine on my credit report. Im attaching a copy of the letter and the certificate of delivery.
Consumer complaint received 2024-02-01
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX  has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which XXXX XXXX failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Consumer complaint received 2024-02-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc. (CA)

On XX/XX/year>, at XXXX XXXX XXXX XXXX, I sent {$1700.00} through Sendwave, which equated to XXXXXXXX XXXX in XXXX currency. Typically, these transactions process within minutes, and my recipient usually calls or texts upon receiving the funds. However, the app failed to deliver the money to my recipients account that day. I contacted Sendwave, and a representative apologized profusely, explaining they were experiencing issues with their partners at XXXX XXXX in XXXX. He assured me the transaction would go through. Unfortunately, the funds were not delivered throughout XX/XX/XXXX. Despite multiple calls, the representatives could not offer a solution and continued to apologize. 

On XX/XX/XXXX, I received an email from Sendwave claiming the funds had been deposited into my recipients account. However, upon contacting my recipient, XXXX XXXX XXXX he confirmed no funds had been received. To prevent my business from suffering, I immediately sent another transfer through XXXX XXXX, another money transfer app, which XXXX promptly received. I called Sendwave again to address the missing funds. The supervisor, XXXX, requested XXXX statement of account. Despite numerous attempts to follow up and provide the statement, no one from Sendwave has returned my calls or explained my missing money.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (CA)

According to the laws : 15 USC 1681 c ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 s there are numerous accounts on my credit reports with different and inaccurate dates, being date opened, dates of last activity, and last reported dates. Dates are inaccurate and different on each credit bureau reports XXXX, equifax and XXXX Credit reports should be 100 % accurate and correct by the laws of the FCRA
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So on top of the XXXX discrimination regarding the theft of funds from the bank account I previously held with this institution from the Bank of America to Bank of America transfer done by my friend and cousin to my account to pay back funds that were borrowed, the higher ups in the account closure team have consistently lied to me on three separate occasions about funds that was owed to me that they say was mailed out to me at my address was not actually mailed out to me at all. This bank keeps putting its own foot in its mouth regarding any of my stolen funds that was done on behalf of this institution. This is crazy to really have people waiting over a year and a half for an investigation and when they cant find any wrongdoing they still wan na hold and keep my money so they can use to invest in their own way to make more money? The bank keeps telling me about a hold harmless account which if my funds were harmless they wouldve been sent back instead of being frozen so that they could use it for the own gain. And than when I voice my opinion on the matter on XXXX they get my account blocked because people were agreeing with me. This is grand larceny at its finest being done by a big institution. I will definitely be screenshotting and recording everything from now on regarding this situation and the false information being provided towards the resolution.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (FL)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

An insurance check in the amount of {$220.00} from my home owners insurance policy was sent to Shellpoint Mortgaging Servicing for endorsement. They are currently refusing to endorse and return the check. The repairs were completed and they sent an inspector to access that the repairs were actually completed. They were provided receipt of payment to the contractor that the repair was completed. However, the are requesting additional documents at this time and the contractor can not be reached.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (IL)

Issue with www.remitly.com I sent money overseas for a service through Remitly Originally sent {$190.00} USD or XXXX XXXX to XXXX, the recipient said they never received money and confirmed that the bank, XXXX XXXX was having a network issue Because I needed the service, I had to send another {$190.00} Reference number XXXX Transfer No. : XXXX XXXX XXXX XXXX Initially Remitly had told me that this was a rare occurrance and that the bank would refund me, however today when I checked in, Remitly is now telling me that the money was marked as delivered I am requesting a refund of {$190.00} from this original transaction that was from XX/XX/2024 XXXXXXXX XXXX CDT
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MS)

I received a card offer in the mail for XXXX and Victoria secret. I accepted and I use both cards paying what they asked me to pay the maximum. So then I went up and start paying more only to find out that with XXXX I have been paying almost 4 years or more and it never goes down with Victoria 's. Secret is about the same, nothing changes. I keep putting it in my balance keep getting the same. That's not how it goes. I talk to them and they all said the same. It's your interest. If you don't pay it out all at once we can add our interest to me. If I ain't paying more than the maximum, why is it that I can't get my bill to come down? I asked them to show me the amount I put in since the time I first opened a card they refuse
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (FL)

I, the consumer and natural person was denied credit by LightStream, on XX/XX/2024, when I applied for an auto loan to purchase a new car. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are

subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by LightStream due to the response I received.

LightStream, is in violation of 15 U.S code 1642 U.S.C 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number was used and I received NO benefit. This is proof of fraudulent activity on behalf of LightStream. 

If LightStream fails to make any reasonable procedures to resolve this matter and compensate me for the use of my social security, I will indeed make LightStream criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681m and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. 


Thank you, XXXX, XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Incorrect address. My address is not XXXX XXXX XXXX XXXX, XXXX  XXXX or XXXX XXXX XXXX, NY XXXX. My address is XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/year> I received a 'virtual " American Express prepaid card. The cardmember agreement says the card works anywhere AmEx cards are accepted but that it may not work for reservations and deposits. My card has failed to work when making a one-time payment towards my XXXX insurance bill, a one-time payment to my lawn care provider online ( they do not do recurring billing, I receive an invoice and enter my credit card every time I get a bill, it is not automated or recurring ), when trying reload my XXXX balance online, and when trying to use tap to pay in person to pay for a haircut last week. These denials are in violation of the cardmember service agreement.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

I have a credit card with some " balance transfer '' with a 0 % APR promotional rate that expires in XXXX. I also have some balance from purchases whose 0 % APR expired last period, XX/XX/year>. I gave an extra payment to pay the balance from purchases and keep only the no-interest balance. The Bank applied these extra payments on XX/XX/XXXX to my interest-free " balance transfer '' balance, instead of to my " purchases '' balance which was already accruing interest. 

I called the company two times. 

The first time they said I had to pay my balance in full to avoid interest. 

Later I researched a bit and found out there is a law forcing them to allocate extra payments to higher interest debt first. 

I called again, and they said that when I gave the payment, the purchases balance was still under a 0 % APR, so both balances were equivalent regarding interest, and he said that purchases balance had a 'lower ID ' or something like that. 

However, that means there was no way for me to avoid that interest because any payments would have gone to the balance transfer balance anyway, which makes their process fundamentally flawed and designed to charge interest when two 0 % APR with different expiration dates co-exist in the same account.

In fact, they've been applying one year 's worth of minimum payments ( which are calculated based on the total statement balance ) to the " balance transfer '' balance, despite that balance expiring later than the purchases balance, and thus being less likely to cause interest charges.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as Equifax, and XXXX which are in a class action lawsuit at this time being sued for reporting inaccurate items on credit reports and false information and breaches... Please provide a complete log regarding the dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. Also after going through these accounts that are reporting fraud on my account, I noticed different account numbers and balances for all the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these items and everything included on the FTC AFFIDAVIT the law states these items must be reported as truthful and accurate not fraud. 15. us. code 1681-1c1 identity theft blocking information and 1681 s 2b u.s. code 1692j 1681 2b creditors must block the information within four days and notify the furnished of the report of the fraudulent data. block all current and future reporting. 

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2024-01-31
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. Upon conversation with customer service. They could not provide me with any substantial reason for that report. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

Attached is a copy of my report ( XX/XX/year> )
Consumer complaint received 2024-05-02
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (IL)

In accordance with the fair credit Report act this creditor American Credit Acceptance, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My car once again is undrivable. It is leaking coolant, and the indicator light on a vehicle saying is saying that there is some type of faulty in the coolant system. This car was purchased at the end of XXXX and now this is the second issue Im having with the vehicle.