davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

Dear Mr. / Ms . C.F.O. : I REFUSE TO PAY THIS DEBT or ANY DEBT WITH PAYPAL/ SYNCHRONY BANK!

Your company has repeatedly overdraft my bank account, claiming that I owe a debt under PAYPAL/Synchrony Bank account number Account Ending In XXXX. I do not believe that I owe this debt in pursuant to 18 U.S. Code 8, and I am disputing it and allowing you appropriate time to show evidence of this debt to be valid.

Such conduct from your company has caused me to suffer severe Financial Harm, humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist from this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating XXXX XXXX account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to XXXX XXXX by Email, mail, and otherwise. 

If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 

Kindly govern yourself accordingly. 

Respectfully Without Prejudice, XXXX XXXX Secured Party Creditor, Attorney in Fact
Consumer complaint received 2024-09-07
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: LEXISNEXIS (FL)

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 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 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I transferred funds from a linked external bank account to my USAA FSB checking for a family emergency. The originating account had been open and linked to USAA 's online banking for more than 9 years and I have made transfers in the past. USAA held my funds for 5 business days. I called USAA every day and I provided the code from the Federal Reserve showing that the money was debited from the other account, but USAA would not release the funds. They said that an overdraft with my debit card for under {$12.00} put my account 'at risk ' code which gives them the right to hold the ACH credit as if it were a check.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the mistakes stayed. I'm really concerned about this and need the documents I've sent to be checked thoroughly so I can stop worrying about it.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIRST COMMUNITY MORTGAGE, INC. (WI)

On XX/XX/year> a request was submitted to First Community Mortgage ( FCM ) for a mortgage payoff letter. This payoff letter is required to refinance my mortgage with a new lender. This letter was received incorrectly starting an escrow disbursement which exceeded the current escrow balance in the estimated amount of {$5200.00} therefore increasing my total payoff by that amount. I immediately contacted them about this figure, they initially stated it was for a property tax bill. I informed them that we do not owe any property taxes and provided a statement from the county treasurer proving no taxes owed. I was then transferred to several different departments to resolve this issue. No resolution was given. FCM continued to claim it was for property taxes but would not provide proof of this discrepancy. I called no less than 10 different times over the next several weeks trying to resolve this issue, spending several hours on phone calls. I was hung up on several times. My lender and the title company handling the refinance called FCM several times to help resolve the issue, both were hung up on. I missed my first 2 closing dates due to this issue. Finally, during a phone call a representative from FCM admitted it was a mistake on their end but refused to remove that balance from the payoff letter, no explanation was given. On XX/XX/year> I was forced to pay this additional {$5200.00} in order to close the re-finance. This issue has not been resolved and FCM is unwilling to resolve the mistake made on their end. This {$5200.00} has been withdrawn from my account and is being held hostage at the title company waiting for a resolution.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (CA)

CLOSE ACCOUNT XXXX. XXXX XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX. XXXX XXXX. KICKOFF LENDING LLC  ( XXXX ) OPENED XX/XX/XXXX CLOSED XXXX XXXX, XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX OPENED XXXX XXXX, XXXX CLOSED XX/XX/XXXX THESE WERE OPEN BY FRAUD AND I PAID THEM ON FULL TO BE REMOVED AND THEY ARE STILL SHOWN ON CREDIT REPORTS. THESE BANKS TOLD ME ONCE I PAY THEM IN FULL THEY WILL GET REMOVED I WOULDN'T WANT TO WAIT XXXX XXXX  FOR SOMETHING THAT AINT MINE. I CONTACT XXXX AND THEY TOLD ME TO DO THIS STEPS AND YES IN THE PAST EVERYTHING WAS REPORTED AS FRAUD BUT WAS NEVER REMOVED.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have been sending dispute letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, demands and document request for almost a year with several certified mail recents, this company as shown clear signs of willful non compliance by refusing to accept documents sent with dispute letters, also by willfully reporting 2 different accounts with the same company and mostly breaking several FCRA laws. This would be the second CFPB complaint with no action taken by the company. Exact accounts, dates, along with proof of identity, recent paystubs, original copy of birth certificate, copy of Valid State ID, recent bank statements, recent utility bills and copies of Consumer Reports purchased from Identity IQ dating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, and ( XXXX  ) have been attached to all 4-6 months old certified mail dispute recents. I am filing this claim to support legal action for statutory, Punitive, and civil liability damages. 

For refusing to update personal information, disputing and removing positive accounts on consumer report that wasn't requested but ignoring actual negative items disputed resulting in a negative credit score and high interest rates, willful non compliance for FCRA laws 15 USC 1681A ( Definitions ; rules of construction ), 15 USC 1681E ( Compliance Procedures ), 15 USC 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), 15 U.S. Code 1681d ( Disclosure of investigative consumer reports ) ,15 U.S. Code 1681i ( Procedure in case of disputed accuracy ), 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MD)

Nelnet inaccurately reported that my accounts were XXXX days ' late, in XX/XX/year>. My attempt to work out this issue with Nelnet has not been successful, at all.
Consumer complaint received 2024-09-11
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 (NE)

I bought an Amex Gift Card at XXXX XXXX on Monday, XX/XX/year>. I put {$490.00} on it and ever since buying it, every single transaction has been declined on it despite me checking how to use it and all sites using it correctly. The Amex Gift Card website says that for a charge to not be declined the website must use the card number, expiration date, and security code. I have tried to use it on XXXX XXXX, XXXX, XXXX, and in-store at XXXX and all transactions have been declined. The transactions have between {$30.00} and {$460.00} and all are listed as declined on the Amex Gift Card website. I tried to call the number on the back of the card but there is no way to get ahold of a live person, you can only get the FAQs listed on the website read back to you by a robot.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

Pursuant to Comenity 's response letter to my earlier CFPB complaint # XXXX ( please see response letter attached ). 

Contrary to the information provided in Comenity 's response letter, as of XX/XX/2024 I have not received any letters whatsoever from Comenity requesting documentation. 

I have contacted Comenity Bank today, spoke with XXXX on their Account Protection team, and was told that I need to provide copies of : my Driver License, front and back of my Social Security Card, and a recent Utility Bill.

Per XXXX XXXX advice, I have e-mailed all requested documents to XXXX, and have received an automated e-mail response advising me that the documentation has been received and will be reviewed within 30 days. For further verification, I am attaching here copies of the documents that were provided to Comenity today via e-mail. 

Meanwhile, my account remains on hold, and I'm not able to use my card to make any new purchases with it, while waiting for the documents to be reviewed. All of this simply for attempting to add my card to XXXX XXXX, and for seeking Comenity 's assistance with the same after not being able to add it on my own.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MIDWEST RECEIVABLE SOLUTIONS LLC (WI)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

Dear Mr. / Ms . C.F.O. : I REFUSE TO PAY THIS DEBT or ANY DEBT WITH PAYPAL/ SYNCHRONY BANK!

Your company has repeatedly overdraft my bank account, claiming that I owe a debt under PAYPAL/Synchrony Bank account number Account Ending In XXXX XXXX do not believe that I owe this debt in pursuant to 18 U.S. Code 8, and I am disputing it and allowing you appropriate time to show evidence of this debt to be valid. 

Such conduct from your company has caused me to suffer severe Financial Harm, humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist from this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating XXXX XXXX account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to XXXX XXXX by Email, mail, and otherwise. 

If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 

Kindly govern yourself accordingly. 

Respectfully Without Prejudice, XXXX XXXX Secured Party Creditor, Attorney in Fact
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My account was frozen sometime between XXXX XXXX. I called XX/XX/XXXX because I couldnt deposit a check or XXXX anyone. When I called the bank they said my account was frozen due to fraud. When I asked what fraud they said someone is claiming there was an unauthorized XXXX transaction between me and them for {$200.00}. When I explained to them it was authorized and I have proof, they said there was nothing they could do until the team investigates the situation. I asked how I can send proof to them ( I have screenshots of the person asking if they could XXXX me ) and they said someone might reach out to me but there is no guarantee. I asked when my account will be unfrozen because I have loan payments that bounced back and credit card bills and they told me they dont know. They said maybe 10 days or more. I need access to my account and I have called multiple times to check the status and they have no updates and tell me the same thing. I have tried repeatedly to give them documentation and they say all they can do is add notes. I have evidence that the person is attempting to scam not only me but the bank by claiming fraud. In the screenshots there is timestamps that show him asking to XXXX me and when he did XXXX me.
Consumer complaint received 2024-09-04
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)

I suffered an identity theft after my wallet was stolen. I received my credit report from Clarity Services and found a lot of inquires that were not authorized by me and were made without my knowledge or approval. All of the inquires from XXXX XXXX XXXXXX/XX/year> were not authorized by me and were done without my knowledge or approval. I filed a police report and have attached it here.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NJ)

I spoke with someone on the phone who told me if my insurance got a check sent over for {$6000.00} then my payment wouldnt be late when the car was totaled. The check was sent over AND received but they still marked my credit XXXX days past due. It has been unfair speaking with Exeter and they dont seem to comprehend it very well that the amount is supposed to go to any past due balance before anything else. They are holding us XXXX with late payment reports so we wont be able to get another loan through another company. We called XXXX and each time we were told it would be fine. They have done stuff like this consistently and its honestly hurting my credit score. The car was totaled out and our insurance got them XXXX owed within days.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

Good morning my name is XXXX XXXX XXXX XXXX My social security number is XXXX. I was supposed to receive my Social Security Administration Benefits of the amount of {$940.00}. I was aware of the holiday weekend. I contacted Chime Customer Service and spoke to several reps including 3 different supervisors. They couldn't assit me any further. It's important I receive my funds immediately because I'm a XXXX man and my rent and or all other expenses is past due. Chime normally sends my funds early because it's a PrePaid Bank but my direct deposit is normally on the XXXX of every month. Since I been with Chime Bank I been receiving my funds on the XXXX or XXXX of every month.
Consumer complaint received 2024-09-07
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: TRUIST FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX Since XXXX the following Data breeches that are listed below have taken place and my information has been leaked in each XXXX of them. At this point my data has been leaked so many times thatI can not understand why these companies are not begin held accountable. I am continue to get emails saying my info has been leaked on the dark and now i am getting calls that I have taken out loans in states that I haven't lived in for several years up unit this past year. The person says the loan was taken out in XXXX and I lived in a whole different state. I did ask to get the copy of the agreement with my signature and the ID that the took but have yet to get anything. I just can not be held accountable for someone else actions. As of recent I have locked my credit however up until a month or so ago my reports were not locked. I know there could be other things that are possible on my credit due to the continued leaks of my data. 
As of XX/XX/XXXX I have locked my credit reports XXXX Data Breech XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Breach XXXX XXXXXXXX Data Breeches XXXX XXXX XXXX XXXX XXXX XXXX Data Breeches XXXX ( again ) XXXX XXXX Data Breeches XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( again ) XXXX XXXX XXXX ( again ) XXXX XXXX ( again ) XXXX AT & T ( Again ) XXXX XXXX XXXX XXXX XXXX Truist
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX