davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Subject : Formal Complaint Regarding Cash App Account Closure Dear Sir/Madam, I am writing to file a formal complaint against Cash App for the unexpected and unjustified closure of my account. On XX/XX/year>, I discovered that my Cash App account had been closed without warning. When I reached out to Cash Apps support team for clarification, they informed me that my account was closed due to a violation of their terms of service. However, they have failed to provide a clear explanation or specific details of which terms I allegedly violated. 

I have reviewed the terms and conditions, and to the best of my knowledge, I have complied with all applicable rules. Despite several attempts to resolve the issue with Cash App, they have continued to deny access to my account, leaving me without the funds stored within it and preventing me from using their services. 

I believe this situation is unjust and deserves to be investigated, as consumers have the right to be informed of the reasons behind such drastic actions. I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that Cash App provides a transparent explanation for the account closure and restores access to my account or refunds any funds still held in the account. 

Furthermore, I would appreciate any guidance on the next steps I can take to resolve this issue and the legal protections available to me as a consumer in this situation. 

Thank you for your assistance in this matter. I look forward to your response. 

Sincerely, XXXX  XXXX XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (OH)

I went to XXXX XXXX XXXX XXXX to obtain a vehicle. The lender Americredit Doing Business as GM financial approved me for an auto loan however through the credit transaction it was not disclosured to me that this private transaction would be reported to any of the 3 consumer reporting agencies XXXX, XXXX, and XXXX without my consent. I read through terms and conditions during signing of documents and the promissory note but nowhere could I find anything concerning of opting in or opting out to report this to the consumer reporting agencies. 

lender/lienholder Americredit DBA GM Financial tracking number : XXXX Dealership/third party middleman tracking number : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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. (TX)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank and TJ Maxx rewards card. Have fraudulently placed a cease and desist on my account. This prevents me from being able to make a settlement with them. This cease and desist is nonsensical because the representatives claims that I would not receive statements from them or any information although I have been continuously contacted by them via email. And I spoke with synchrony in XX/XX/XXXX about another account I had with them. If this was the case I would have never been contact by synchrony. In addition during the call they kept requesting that I verify myself even though they had already spoken in depth with me about the account and the options for the account and already had read to me " this is an attempt to collect a debt '' they verified my name. My phone number was verified already in the system. I had verified my social security number already and after explaining to me EVERYTHING about the account. they then want my social security number in order to tell me the account number.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level. 
I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I made a deposit on my account on XX/XX/2017 via the mobile APP. During the process, it stated that the funds would be made available on XX/XX/2017. I made a payment on another credit card to pay it off to prevent finance charges from accruing using the funds on XX/XX/2017 thinking it was enough time for the funds to process since the app promised it would be available the day prior. When I checked the bank account today XX/XX/2017, Wells Fargo still had the funds pending but not available and returned the payment to my creditor. This not only caused my Wells Fargo account to be overdrawn, but also caused issues with my credit card since now it has a returned payment on it with a balance. After speaking with Wells Fargo twice, they advised that they received an indication from the bank that the funds may not be available causing them to hold the funds for additional days. I called the other bank who issued the check and they advised me that they do n't have anything on their end that showed any issues with the funds and that the funds are there for Wells Fargo. I called back Wells Fargo again and advised them the situation again with the extra information from the previous bank. Once again, an agent ( XXXX ) and a supervisor ( XXXX ) told me that they received an indication that caused them to put an extended hold on the funds.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

I am unaware of this debt I did not have the opportunity to dispute this information... I did not receive proper notification if in fact you believe that you sent me proper notice please send me the certified receipt with my signature on it stating that I received it
Consumer complaint received 2024-10-04
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)

Previously, I submitted a dispute regarding inaccuracies in my consumer report, specifically related to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a third attempt to formally dispute the inaccurate information appearing on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) regarding the Accuracy and Fairness of Credit Reporting, and 15 U.S.C. 1681s-2 pertaining to the Duty of Furnishers of Information to provide accurate information, I am turning to the CFPB for remedy. Upon reviewing my credit report, I have identified these two charged-off tradelines contain numerous inaccuracies which are negatively affecting my creditworthiness. I respectfully request a thorough investigation and deletion of these tradelines based on the following inaccuracies : Please find the complete information attached to this file.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -i ) promptly delete that item of information trom the tile of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Accounts XXXX XXXX, Account # XXXX Amount {$2900.00}
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

Pro collect debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) never sent debt verification or validation letter back in 2021
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

Opened Citi XXXX XXXX XXXX account in XX/XX/year> for promotion to receive XXXX XXXX XXXX miles after maintaining a balance of {$10000.00} or more for three months. Once conditions were met, I attempted to transfer the money to another bank. The app requested a pin which I have never set up. So I failed the verification, which locked my app- which also includes my only method to pay my credit card with Citi. I have spoken to no fewer than nine people. I have provided my name, full savings account debit card number, social security number and other information to no avail. Citi will not allow me access to my account. 

They are holding my money hostage until I provide them the savings account number ( not the card ) which is only accessible through the app, which they have locked me out of. 

I need help. I really just want them to close the account and mail me a check.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On XX/XX/year>, I fell victim to a scam. The scammers stated they were from the USAA Fraud Department and someone in Arizona was attempting to make 2 transactions in the amount of {$990.00} and {$440.00}. They told me they would lead me through instructions to stop those payments from going through and reverse the transactions. After getting off the phone with the scammers, I immediately called USAA because the situation did not seem right. They confirmed that I was a victim of a scam and 2 disputes were opened for the transactions at that time. It is very clear that the transactions are not what I would normally do, as they were made through XXXX and XXXX XXXX- which I don't use and don't have a history of using. At no time did I authorize these amounts to be taken from my checking account. I was given a provisional credit in the amount of {$440.00}. Initially, USSA declined my dispute in the amount of {$990.00}. After escalation, it was deemed that the transaction was fraudulent, and USAA was able to return the funds to my account. Today, the provisional credit in the amount of {$440.00} was taken from my account and my dispute was denied as not fraudulent activity. My checking account in now over {$400.00} negative. Both amounts were involved in the same scam and USAA should have plenty of documentation of the phone calls we've had. I'm requesting that USAA open the dispute and again. USAA claims they have a no-fault policy for victims of fraud and scams. If the transaction in the amount of {$990.00} was proven to be fraudulent, it is clear the amount of {$440.00} involved in the same incident was, as well. I'm requesting USAA to look at the facts, hold true to their XX/XX/XXXX-liability policy against scams and fraud, and do right by their customer of 12 years.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (ME)

I simply asked on XXXX for them to send me an itemized list of every cent they are claiming I owe. They got very hostile and rude during the conversation. I made an offer and then began to think of the dates that they were telling me and the amount and viewed them as incorrect so I requested information. They are claiming I owe XXXX $ but I dont.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Someone who I do n't know is on my credit report on XXXX with me. He has the same last name and similar address. I just moved in the US three months ago from XXXX. and I have only XXXX credit card. but he has XXXX credit cards that were opened in 2007. so there are XXXX credit cards on credit report. 
I think something wrong with my credit report. 
Please let me know what to do.
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (TX)

I am writing this letter concerning Jefferson Capital System. Reference # XXXX, Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This matter is up for litigation due to a data breach. I wrote the company ( Jefferson Capital System ) for debt verification of this debt being owned by XXXX XXXX and Jefferson Capital System only sent out a itemized bill.

I am requesting that this collection be removed off of my credit immediately.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (AZ)

Sallie Mae called XX/XX/2017 AND left a message three times in one day. I have three separate voicemails all from the same person all within four hours. The school the loan went to was XXXX University XXXX and I am a cosigner on the loan.
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt OWED to IQ DATA INTERNATIONAL INC I did not sign a contract with IQ Data International INC and I didnt receive Verification of the debt via the original Contract from them, I would like a copy stating that I owe Debt to : IQ DATA INTERNATIONAL INC Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : XXXX XXXX XXXX Date of entry : XX/XX/year> INTERNATIONAL INC. has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). IQ DATA INTERNATIONAL INC. is flagrantly disregarding consumer protection statutes. I demand that the Consumer Financial Protection Bureau investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I made a full payment on my private student loan, but now they lost a lawsuit which iw XXXX XXXX XXXXXXXX, if I still had balance I would be able to get a break on it but I paid off my balance and now they won't refund the amount back I am entitled to.
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (WA)

I purchased my home in XX/XX/XXXX with Caliber Home Loans who sold my mortgage to XXXXXXXX XXXX, on XXXX I refinanced my home with Caliber Home Loans. on XX/XX/XXXX there was a deed of reconveyance filed in my county with an account number on it. XX/XX/XXXX there is a DEED OF TRUST recorded in my county with a completely different account number on it. I have attempted to get all statements of my account from Caliber Home Loans, I have also filed disputes with different agencies. Caliber Home Loans now has an additional account number on reporting on my credit report with another completely different account number on it. This is Mortgage Fraud and I have been disputing these accounts with this company and their affiliates since XX/XX/XXXX. In XX/XX/XXXX after I have disputed multiple times and asked for different information be provided by the company they sold my information to XXXXXXXX XXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX recorded documents in my county XX/XX/XXXX after I disputed it multiple times and all of my affidavits and requests for validation of debts have also been ignored. This is a clear violation of the Violation of Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character and Identity Theft and securities fraud.