davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws.

Basis for Dispute : I have previously submitted multiple disputes to Experian regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations.

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by Experian to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that Experian complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report.

The inability of Experian to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations Experian is required to meet under the FCRA.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against Experian. 

Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Experian has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by Experian include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against Experian for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law.
Consumer complaint received 2024-09-28
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. (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.

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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against Experian. 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX  Account XXXX : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Experian has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by Experian include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against Experian for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law.
Consumer complaint received 2024-09-28
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. (GA)

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

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX 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 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

In accordance with the Fair Credit Reporting act PayPal Credit account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 consent. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason. I have not been conspicuously informed of my right to opt-out of such disclosures, contrary to 12 CFR 1016.7
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX  # XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (SC)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Meta Payments Inc. (PA)

Hello, thank you for your time in investigating this. 

I am contacting the CFPB as an attempt to get some communication from XXXX or Meta. As it stands right now, there is no way to contact customer service and actually speak with a human being. I have tried all their forms online and email addresses I could find to no avail. They do not have any way to chat or call customer service, instead using a " help center '' where all the links take you in a circle. Additionally, they do not have a public form to file an appeal. If a real human being is reading this, then I thank you, as you have already done more for me than the company itself. 

The situation : In XX/XX/2024, I signed up for meta verified which is a paid monthly subscription for information protection, impersonation protection and many other value added services for my pet dog account but that account was just taken down abruptly overnight after 2 weeks, and I can not seem to reach out to anyone there for help. Why would a company take down an innocent little dog account? It baffles me beyond words. I am a paying consumer of Meta 's service and they violated consumer protection statues - Basically by going missing/ unresponsive. I believe this is happening to many other citizens as well ( probably not the first complaint you heard ). 

I have tried to ask for my information or data back ( in light of personal info protection laws ) instead as well, as an alternative, but that doesn't seem to work as well. 

Its causing me huge emotional distress because my pet account has memories of my dog from growing up stages till now and its my XXXX XXXX XXXX As someone who is already suffering from XXXX XXXX  this really has a significant negative impact on my life. 

I have tried endlessly to use the help centre to no avail, no one seemed to want to help and I have emailed several times about it and get the same canned responses. I am at my wits end hence have to file a complaint here. 
Despite following all the suggested protocols and guidelines, my issue remains unresolved. 

I hope you can forward my details to them, I am willing to cooperate and send any information helpful to this case. 

Thank you once again for your help!
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I calked the company that sold the debt. They said that I had to talk to the debt collector. I called debt collector and told them the debt was wrongly assigned. They agreed that the debt was not mine but asked me to pay to get it deleted from my records. I said I will not pay them because its not my debt.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

At the outset of my new car lease ( XX/XX/XXXX ), Toyota was sending me my billing statements in the mail only despite my wish to payonline. As of XX/XX/XXXX, XXXX no longer mailed me my statements and would send them well past the due date ( XXXX of the month ). For example, I should have already received an XXXX statement that should have been received by mid XXXX.and that has not happened. Toyotal Financial Services did not send me my XXXX statement until well passed the due date charging me unpaid late charges. 

I have attempted to contact them online and I get locked out of my account. When I call and speak Toyota Financial Services, they say I do not have an account with them. I have updated my email and they send confirmation of updated email but when I login again, I am locked out of my account
Consumer complaint received 2024-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CapitalJ Inc. dba Juno (FL)

My funds with Juno and their third party XXXX XXXX XXXX  have had me stressed since they locked my account in XX/XX/year>! 

My understanding is some people were able to get their money by the banks and others have not. When will this be resolved? How can a FDIC bank allow this? I check XXXX for updates regularly in hopes there is some resolution to this madness. People are hurting tremendously because of their incompetence and shady ways. I need access to my funds that I have worked so hard to save ( XXXX XXXX ) as soon as possible. 

Please help! 
XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My Bank of America credit card was fraudulently used to purchase {$500.00} worth of merchandise on XXXX. Bank of America refuses to reimburse me after 3 attempts.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service (DC)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (DC)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-25
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: CLGF Holdco 1, LLC (TX)

Hi i noticed there was a hard inquiry on my credit from XXXX XXXX on XX/XX/year>. I spoke with a customer service representative from XXXX XXXX institution on XX/XX/year>. They were able to confirm a application for a loan was applied under my social security number at a OneMain location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The representative stated she will mark the application as fraud. she told me that the application didn't go through. I'm more concerned about the identity theft and the hard inquiry that impacted my credit.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to formally address a serious issue regarding identity theft that has directly affected me. Recently, I discovered that several bank accounts have been opened in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be removed from my name immediately to prevent any further complications or damage.
Consumer complaint received 2024-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (NC)

My insurance sent bsi a payment for a claim loss. Bsi was supposed to send the money out within 10 days, they said they would mail the next day. When I didnt get the check in the mail I called them, they still had not sent the check out. They said the person that was supposed to do that overlooked it. I called yesterday and couldnt talk to anyone and again today. I was on hold and they told me I couldnt keep holding, the office didnt close until XXXX and that someone would call me back before they closed today. Well, I called back and the recording says they were closed at XXXX. They are flat out lying to me and wont release money I desperately need to fix my home