davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have been trying to contact and dispute this account for over 2 years now with no proper verification of this debt. I have sent letters and all valid documents starting in XXXXXXXX XXXX XXXX. I finally received a response my second time asking for validation in XXXXXXXX XXXX XXXX and was told theyve sent all information to the companies XX/XX/2024 and are still awaiting a response. I have yet to receive an update and the company is not able to send me anything that proves i am responsible for the alleged debt after 2 years of negatively reporting to the credit bureau horribly affecting my credit report. I want to be explicitly clear with my request. I have not requested validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. Over the past almost 3 years that I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Furthermore, this is now involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX XXXX May Presume that no proof of the alleged Debt, nor therefore any such debts in fact exists
Consumer complaint received 2024-08-08
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. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (TX)

On XX/XX/year> this collection appeared on my credit report. The company is violating my rights to privacy and this information is very false and misleading. I was a victim of identity theft and someone stole my information and used it to get things in their name. I have made previous attempts to fix these issues directly with them, but yet they are still violating my rights and I am entitled to {$1000.00} for every violation that I have listed. So either they pay me or just delete this account ASAP.
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC (FL)

CAVALRY SPV I LLC AS ASSIGNEE OF XXXX, has filed a summons with the XXXX XXXX XXXX XXXX court in Florida. They are suing me for a debt that I do owe to a credit card company. I have never received any form of communication from this " debt collector ''. The only reason I even learned of the summons is because I filed for divorce in XXXX county Florida and I was checking my case. How can someone sue me when they have never sent me any form of communication nit even a phone call. When I found out about this summons, I called the law firm of XXXX XXXX, whom is representing the debt collector. After about a week they finally returned my phone call only to threaten me, by telling me that they will win their judgement against me and when they do I will be ruined and my credit will suffer even worse than it already has and that employers check your credit now so I would have a hard time finding employment. I am a single mom of XXXX trying to put myself through school so I can make a better life for them. I have no car, no job, and we live with my parents. When I explained this to XXXX from the law office she told me to get money from my parents. My parents are having a hard enough time trying to take care of us as it is. I do not have any way of paying them at this time. She told me she would call me back in a week. I have never heard of this company, they never sent me any form of communication about my debt, and now they are suing me. Please help.
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: U.S. BANCORP (LA)

Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.
Consumer complaint received 2024-10-02
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. (PA)

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Consumer complaint received 2024-10-02
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. (NY)

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  Account Number : XXXX and 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 2024-10-02
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of an incorrect phone number that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX XXXX. 
Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number to be Removed : ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX. 

**Attachments : ** - Copy of ID - Proof of Address ---
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-28
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX my bank 's Bill Pay feature sent {$230.00} to Synchrony Bank to pay the monthly balance on my BP Credit Card as I had scheduled. Synchrony had sold the BP Credit Card accounts to XXXX XXXX XXXX XXXX XXXX and I didn't realize that the Bill Pay account had not been updated. When XXXX sent me a message that the account was past due, I discovered the situation, paid the balance and they forgave the fees. I then called Synchrony to get my money back. My bank faxed them payment information on XX/XX/XXXX to XXXX and Synchrony said they would return my money. I never received it and called again. This time they said it would have to be a paper check and I should receive it in 10-14 days. It has been longer than that and I have never received it.

I have called multiple times, unsuccessfully, to find someone who can address this situation. I've even had first-line CSRs drop my call when I asked to talk with a supervisor at least 3
times. My last conversation with a supervisor was that the only avenue she had was to give me the BP Customer Service phone number, which is at XXXX. 
XXXX advised me to contact you to address this situation. I have copies of the fax my bank sent to Synchrony. Synchrony has my {$230.00} and although I have asked repeatedly to get it back, they will not send it to me. I'm extremely frustrated with their lack of customer service. Although they had a few very kind and helpful people, they do not have the systems in place to address customers ' concerns. They are holding my money. It is not theirs!
Consumer complaint received 2024-08-08
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. (CA)

Your agency is in violation!

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. 
Delete this at once!
Consumer complaint received 2024-10-02
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. (NC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-08
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. (TN)

On XX/XX/year> I talked to XXXXXXXX XXXX and we came to an agreement to delete an account off my credit they directed me to dispute the account again with all three bureaos and on XX/XX/year> I dispute that account with experian and on XXXX the XXXX they verified the account which leads me to believe they are not doing their job and did not reach out to XXXX. XXXX only agreed because in the settlement contract we have they said they would send me the title to the car and they couldn't uphold their end of the settlement so they agreed to delete.
Consumer complaint received 2015-10-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (WA)

I attempted to update my billing address with the XXXX credit card on file in my PayPal " wallet '' earlier today ( card ending in -XXXX ). Even though I updated my mailing address with the bank that issued the credit card, the PayPal website keeps giving me an error message, " Sorry, we ca n't link your card. Please make sure you have the right billing address. '' I called PayPal customer support to rectify this problem, spoke to XXXX people, first XXXX, then XXXX, and XXXX these unfortunate people just refused to fix the problem. If they do n't update my correct address on my credit card on file, it will doubtless cause problems when I go to purchase something through PayPal with that card. XXXX 's employee number is XXXX ; she is a supervisor. XXXX refused to give me his employee number.
Consumer complaint received 2015-10-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I contacted BOA on XX/XX/2015 @ XXXX to report a fraudulent transaction on my BOA MasterCard. I 1st spoke to XXXX in customer service who found the charge in question and transferred me to the fraud dept. where I spoke with XXXX who said he could not see the charge in question and after a ten minute hold gave me the direct fraud # of XXXX and transferred me back to customer service. I then spoke to XXXX who again, found the charge immediately and transferred me back to the fraud dept. I spoke to XXXX there who also saw the charge but tried to say she would file a dispute and let me know something within 90 days ' I explained again that this was an unrecognized and unauthorized charge and I was reporting fraud, not a dispute, she put me on hold for 15 minutes, came back on the line to say she was still checking something and put me on hold for another 15 minutes. After I explained that I was on my lunch hour and been on the phone for nearly an hour I simply told her that I would let the CFPB handle the matter for me. She finally said my account would be credited and a new card issued within 5-7 days, I requested my new card be overnighted and she said fine she would do that. The basis for my complaint is that the XXXX people I spoke to in fraud dept. were extremely rude and unhelpful until I threatened to complain to the CFPB, why after being a customer of BOA for 20+ years should I have to be lied to, badgered and put on interminable holds just to finally have BOA follow the law. It bothers me greatly that these agents are allowed to use only first names and not provide an i.d . # or some other sort of identifier. It seems they hide behind this anonymity and use it as a device to be rude to customers. I am writing this complaint because at this juncture, due to how I was lied to and treated by these BOA employee 's, I have my doubts if they will actually follow through on my claim. I do n't understand, are these people paid a " bonus '' for not returning fraudulent charges to customers? They certainly act as though the refund is coming from their own paycheck by being so rude and uncooperative. As soon as my credit is issued I will be certainly changing banks.
Consumer complaint received 2015-10-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Circleback Lending, Inc.(Closed) (FL)

Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report
Consumer complaint received 2015-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX cash deposit turned into XXXX by magic, Went to do a cash deposit at bank of America on XXXX and XXXX at about XXXX yesterday, I had XXXX XXXX XXXX dls bills and the rest was all XXXX, when the teller count the money in the bill counter machine it was only XXXX, When I handled the money to the teller I had the money in My rear left side pocket, I leaned to the left to verify My pocket was empty, and then the money was short, Money was carefully counted before taking it to the bank, when shortage was discovered, money was returnes to Me, wen to My wife she drove home just to verify but there was nothing to be found, so I went back to the bank and made a {$2500.00} deposit and another {$280.00} deposit for payment to someone else, I went to the bank manager and reported the situation, He went to the teller and I think counted the money and everithing checks out ok, however I THINK the teller somehow separated some bills before they made it to the counting machine, I asked the Manager if they could see the tapes and He said tapes were for their protection and did not think that was possible but will try, This loss is great damage to Me and extremly unfair, I am sure I did not drop the money somewhere else,, I am blaming the teller please see if You can see the pictures or if You can help Me in any way