davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX XXXX said on my statements that I took XXXX out as an ATM transaction. They also said I took the same amount out on the XXXX. When I bought this to their attention it took a long time for me to get the right person to look at it. They then gave me a provisional credit on XXXX transaction but not the other. After I had used some of it they said they reversed the decision. I asked for the name and location they told me it was on XXXX and XXXX XXXX, which is an intersection. All my atms have had names but this one they have no name for the ATM. When they reversed the funds they also took funds that were already in my accoutwhixh was around XXXX. They then put another XXXX on my account and immediately took it back and called it a miscellaneous charge. I don't know what that is and I did not have access to any funds. They wrote me a letter in XX/XX/year> and said that I knew about the funds because I had been using my account. I have several accounts and I am not good at checking often at my balance unless something XXXX ng serious had gone wrong like missing funds. I'm good at keeping this info in my head.This bank also did not transfer funds to my other accounts when they were suppose to, because I eventually called XXXX XXXX and asked why the funds I transfered are not available and why the date keeps changing. They told me XXXX never released it to them so it remained on hold.Because of all the false charges I am terribly behind on my bills, getting evicted and am in true poverty. Please help me get answers. This bank has never allowed me to take XXXX out at a time. I'm still going over my statements and checking them with my other accounts.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount Charged Off : {$840.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

Jefferson Capital LL {$2000.00}. I have no knowledge of this account and creditor agreed to remove from my report. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

CONSUMER FINANCIAL PROTECTION BUREAU ( " XXXX '' ) Ladies and Gentlemen : We apologize for using this new-complaint communication form, but insoluble technology problems prevented our using the previous-complaint communication form. 

This letter concerns our Complaint No. XXXX against Synchrony Bank XXXX XXXX XXXXhe Bank '' ), submitted by us on Wednesday, XX/XX/year>, and to which the Bank 's purported response was sent to us by the FCPB on XXXX, XX/XX/XXXX ( " Complaint '' ). 

Our present plan is to file suit against the Bank. We find its purported responses to our Complaint to be utterly non-responsive and less than superficial. It ignores all the allegations in the Complaint, and simply regurgitates the alleged history of this matter. 

A lawsuit now seems to us the only way to compel the Bank to respond substantively. However, we want to be sure that we have first exhausted all possible remedies at the CFPB level. Before filing suit, we ask your advice as to whether anything further can be done by or before the CFPB. 

Respectfully submitted, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - approx. XXXX XXXX ET
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

**Subject : Formal Complaint Against PayPal Unfair Account Limitation and Withholding of Funds** Dear CFPB, I am writing to formally file a complaint against PayPal regarding the unfair limitation and permanent disabling of my account. My account was recently limited and subsequently disabled without any clear explanation or justification from PayPal, despite my adherence to their terms of service. 

There are XXXX significant amounts, {$400.00} and {$600.00}, currently held in my PayPal account, which I am unable to withdraw. These funds are essential to me, as they are urgently needed for an upcoming health-related surgery. Being denied access to my own money, especially under such critical circumstances, has caused severe financial distress and emotional strain. 

I have attempted to resolve this issue directly with PayPal, but their support team has been unhelpful and has not provided a satisfactory resolution. Their actions in limiting and disabling my account without explanation, and withholding access to my funds, are unjust and unacceptable. 

I am requesting your assistance in facilitating the release of my funds and holding PayPal accountable for their actions. I believe that PayPals lack of transparency and failure to provide proper customer service is unethical and unfair to consumers, especially when vital health and financial matters are at stake. 

I appreciate your attention to this matter and look forward to your intervention to help resolve this issue. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

I have made MULTIPLE complaints against this company ( Venmo ) they have reached back to me unfroze my account now I received an additional Email saying my account is being PERMANENTLY DEACTIVATED and I will not have access to MY FUNDS for up to ( 6 MONTHS )! And this problem is getting totally OUT OF HAND!!! PLEASE HELP I NEED THESE FUNDS I HAVE A FAMILY!!
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (OH)

I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : acct XXXX XXXXXXXX XXXX  {$1300.00} Collection -XXXX  : acct XXXX Closed XXXX XXXX XXXX XXXX  : acct XXXX XXXX {$860.00} Late XXXX XXXX : acct XXXX Paid Late XXXX XXXX XXXX XXXX acct XXXX Closed -Credit Collection Service : acct XXXX XXXXXXXX XXXX  {$270.00} Collection XXXX XXXX XXXX : acct XXXX XXXXXXXX XXXX  {$840.00} Collection 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 an 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. 16815-2 ( 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 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: M&T BANK CORPORATION (FL)

Hello i need some intructions i have a personal issue where i have to sell my car that i had a loan with M & T Bank, i sold the car to a Dealer they took around 2 months in do the payment to M & T Bank. I got this reported as late payments on my credit report, the loan is already pay total but i still have that reported on my credit report as with a negative impact on it. what can i do?
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed and came back without a 5 days written notice and that's a violation. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX these accounts : XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay.

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made.

I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (DC)

I applied for this loan and the interest rate is 700 %. I obviously said no and was able to get a loan elsewhere fortunately. But, what I didn't notice is that the company still decided to use my ACH and debit my account even though I didn't fully complete the loan. Now, they continue to ACH my account for 700 % interest on a XXXX loan over 5 years and will not let me stop payment through their customer service, change my payment account or listen to me whenever I call. Now they're taking out {$250.00} every other week from my bank account. DO NOT EVEN APPLY FOR A LOAN HERE BECAUSE THEY WILL START TAKIN YOUR MONEY EITHER WAY. I
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

On XXXX XXXX site, they advertise a {$500.00} statement credit against your purchase. 

I applied for the offer and was approved. 

I have many credit cards, and consider myself quite savvy on promotional offers etc ..... I'm the type of person who ACTUALLY reads the terms before I apply. 

After doing that, I was still strongly under the impression that the flow of events would be like this XXXX ) Complete offer XXXX ) Approved XXXX ) new card ( XXXX XXXX XXXX Amex  ) would automatically apply against the transaction. 

That was especially true, because on my actual transaction, it indicated a {$500.00} credit to show a " new total balance '' to illustrate that the credit would be applied to the SPECIFIC transaction in reference. 

In the terms, it says an instant card number may not be made available, but that does NOT mean the new card would not be automatically applied to the transaction payment. 

The terms do not indicate anything about the envionment of the promotion itself, which demonstrates that it does not explicitly disclaim the posibility that the card may not be used on the transaction it is portrayed to ( for the promotion ). 

The fact of the matter is that it shows a lower transaction price " your new price after the credit '' but there is NO way to actually do that. It's perhaps the MOST MISLEADING PROMOTION I HAVE EVER SEEN IN MY LIFE. 

I actually couldn't believe it. I ended up having to use a different card to book my flights, and am sorry out of luck on the {$500.00} credit until this is further resolved
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

I am unaware of this debt. I did not have a opportunity to dispute this information. if in fact you believe you give me proper notification. Then please send me the certified mail receipt with my signature. Also can you furnish the contact or agreement between you and I. With my signature
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (GA)

I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, Spring Oaks Capital , LLC, does not have a license to operate in the State of Georgia, where I reside. 
I have enclosed evidence to support my claim, including a copy of the XXXX consumer access list of licensed debt XXXX and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the Georgia Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that Spring Oaks Capital , LLC does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (AZ)

This company has called myself  1 time every six  months for the last few years. They are looking for a family member to collect debt from. I have no information on that person.   I provide our phone numbers and said not to call us every time. I tried to get information on how they got our information. They said something about skip tracing, I have no idea what that means.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (NJ)

This is a follow-up to a previous complaint that was filed with your agency in XXXX I am still unable to obtain a loan modification and this process has been ongoing for many years. Wells Fargo refuses to process my loan modification, even after receiving all of my updated documentation. I am directly affected by the lawsuit filed against Wells Fargo because my modification has been in the process during that period and is still not approved, even after giving them all of the documents requested. I am requesting that you please intervene on my behalf and assist me with keeping my home for me and my family.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, transunion XXXX XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.