davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IL)

Dear XXXX, Subject : Formal Complaint Against Synchrony Bank and XXXX XXXX XXXX and Request for Investigation and Compensation I am writing to formally request an investigation into the practices of Synchrony Bank and XXXX XXXX XXXX XXXX XXXX ) regarding the improper handling and sale of my private medical information. 

Background In XX/XX/year>, Synchrony Bank charged off a debt related to a CareCredit account. I was informed that I could settle this debt for {$900.00}, and I paid {$880.00} over the years. However, XXXX is now requesting a balance of {$4300.00}, which I believe is incorrect. Despite my attempts to have this debt validated, XXXX  has failed to provide proper documentation. Instead, I was simply told over the phone that the debt was valid and authorized by Synchrony Bank CareCredit. Following this, I made an agreement to settle the debt and paid {$880.00}. Since 2018, I have been harassed with letters and phone calls from XXXX, causing significant financial and emotional distress, especially during the pandemic. 

Violations by Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX and Accountability Act ( XXXX ) Synchrony Bank disclosed my private medical information to MCM without my consent, which is a violation of XXXX. 

Violations of the Gramm-Leach-Bliley Act ( GLBA ) Synchrony Bank did not provide clear and conspicuous privacy notices or an opt-out opportunity before sharing my personal information with MCM, violating the GLBA. 

Violations by XXXX XXXX XXXX XXXX of the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( Communication in Connection with Debt Collection ) [ 15 U.S.C. 1692c ] : MCM has repeatedly mailed letters and made phone calls to me at inappropriate times, causing harassment.

Section 806 ( Harassment or Abuse ) [ 15 U.S.C. 1692d ] : The persistent and aggressive attempts to collect this debt have caused me significant distress.

Section 807 ( False or Misleading Representations ) [ 15 U.S.C. 1692e ] : MCM has not provided clear or truthful information about the validity of the debt.

Section 809 ( Validation of Debts ) [ 15 U.S.C. 1692g ] : MCM failed to provide proper validation despite my requests. 
Supporting Legal Precedents and Cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case highlighted the necessity for MCM to provide clear documentation of the debts validity. Failure to do so can result in legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Demonstrated the importance of proper debt validation and adherence to FDCPA requirements. XXXX  failure in this regard has been successfully challenged in court. 
CFPB Settlement with XXXX : In a significant action, the CFPB settled with XXXX, requiring them to pay consumer redress and a substantial penalty due to their deceptive practices, lack of proper documentation, and attempts to collect time-barred debts.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (ND)

I took out a loan with One Main Financial over 3 years ago. The initial loan was supposed to be for a mini-van ; however, they swindled me into financing against an existing vehicle that I had already - a XXXX XXXX. The terms of this loan were not well explained. Since paying on the loan I have paid a total of {$11000.00} with only {$2400.00} going to principle. Each time they are offering loan modifications that are not well explained and its very confusing. I have offered to settle this as the vehicle is not remotely close to what I owe on the balance. I offered a settlement of {$6200.00} back in XXXX which they declined and countered at {$7400.00} after I very honestly told them I was giving them every ounce of money I had -- now they are unwilling to negotiate with me at all. This is predatory lending and is not fair AT ALL. I have tried to work with them and settle the astronomical amount they say I owe, but they just wont work with me. I was astounded after I went through and looked and what I have paid towards the principle balance after 3 years.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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 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 from the file of the consumer, or modify 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. ''
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX {$330.00} XXXX remove acct XXXX XXXX XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX  XXXX Dealer XXXX remove XXXX XXXX XXXXXXXX XXXXXXXX remove inquiry
Consumer complaint received 2024-07-23
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)

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 trafficking according to Trafficking-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 information requested from the list of acceptable items 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Subject : Formal Complaint Against XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their handling of my personal information and related disputes. On XX/XX/2024, I sent a letter to XXXX disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, XXXX has failed to respond to my letter. 

XXXX 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report and financial standing. 

Additionally, I have discovered that XXXX is reporting my information to a non-affiliate company, which is a violation of my privacy and trust. This unauthorized sharing of my personal information is concerning and unacceptable, especially since I do not have any contract or direct relationship with XXXX. 

Despite my attempts to resolve these issues directly with XXXX, I have received no communication from them. Instead, they have continued to send me bills, further exacerbating the situation. 

I am seeking the assistance of the Consumer Financial Protection Bureau to address these violations and to ensure that XXXX corrects their reporting to the credit agencies, stops unauthorized sharing of my information, and properly addresses my dispute. 

Enclosed with this letter are copies of my correspondence with XXXX and any other relevant documentation to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. Bank of America has already stated that the item reporting on my credit should not be reporting so I need a new credit report with the tradeline DELETED. Also, for the XXXX accounts, I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.
Consumer complaint received 2024-09-08
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. (VA)

These account ( s ) was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024 Bank of America stole XXXXXXXX XXXX from my account, possibly due to me not working at this time. Thus, I am unable to have a direct deposit to my account. Please help here. If I am unemployed, how can I be giving a multi million company XXXX XXXX  when I have mortgage to pay?
Consumer complaint received 2024-09-08
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (VA)

* On XX/XX/2019 paid {$160.00} balance on account with XXXX XXXX * On XX/XX/2019 returned all equipment to XXXX XXXX after I had stopped the service. 
* On XX/XX/2019 received letter dated XX/XX/2019 from Berlin-Wheeler, Inc ( BW ) collections agency demanding payment of {$270.00}, in full for past account balance and for equipment charges on behalf of XXXX XXXX. 
* On XX/XX/2019 spoke to XXXX and they were going to check into the issue. 
Spoke to BW on numerous times and informed them that XXXX was looking into this issue. 
BW told me that as long as XXXX is researching the issue they will hold off on further collections activity. 
* On XX/XX/2019 XXXX credited my account and promised to continue the research of the lost returned equipment but asked me if I could pay the full balance remaining so as to stop the collection activity and promised that XXXX will credit back the payment when they find the equipment. XXXX wanted to do this because I continue to maintain in good standing another XXXX account in my present home. 
As such, on XX/XX/2019 I paid by VISA credit card the full remaining balance of {$210.00} with XXXX. 
* XXXX assured me that the payment has been immediately reflected on the account and BW will be notified of the satisfaction of all outstanding balance and fees on their online account systems and will stop collections activity immediately. 
* I have contacted BW after the full balance payment to XXXX and they acknowledged that they do see that the full balance payment has been made. 
* However, Berlimn-Wheeler ( BW ) filed a negative Credit Report on me and has continued to file negative Credit Report updates on my account and has refused to stop reporting unless I make a payment to them also. 
* I am hereby requesting that Berlimn-Wheeler ( BW ) to stop filing false and derogatory and negative Credit Reports on me and for falsely demanding payment  when full payment has already been made.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (IA)

credit report reference number XXXX is listed on my XXXX XXXX XXXX, which is listed on my XXXX XXXX HOME AND HIGHWAY CONSUMER REPORT DISCLOSURE NOTICE. 
ALSO LISTED IS THE MOTOR VEHICLE RECORDS for all drivers on my policy. 
This is almost the exact same list of items listed in XXXX. 
Balance to credit line on open bank revolving accounts is 20.18 % to 85.13 % I DO NOT HAVE THE BANK XXXX. 
Average months accounts have been opened is XXXX months. 
I HAVE A XXXX  XXXX  THAT I HAVE HAD FOR PROBABLY 30 YEARS. I DO NOT HAVE ANY OTHER XXXX XXXX  Average credit line on bank revolving accounts is {$3100.00} - {$4700.00}. 
AGAIN, I USE MY VISA CREDIT CARD OR ONCE IN A XXXX XXXX WRITE A CHECK. 
Total length of time department store accounts in file is XXXX months. 
I CLOSED ANY AND ALL OUT IN XXXX. 
Average credit line on open bank revolving accounts is {$550.00} - {$3400.00}. 
I HAVE WATER BILL, ELECTRIC BILL, GAS BILL, VISA BILL ... PAID AUTOMATICALLY EVERY MONTH SET UP TO BE PAID BY MY CHECKING ACCOUNT. 
Number of department store accounts is XXXX. 
I DO NOT HAVE ANY CREDIT CARDS OTHER THAN MY VISA. 
Average months accounts have been open is XXXX months. 
I DO NOT HAVE ANY CREDIT CARDS, JUST MY VISA. 
I WENT THROUGH MY CREDIT REPORT AND CLOSED EVERY SINGLE CARD LISTED. 

ALSO ON THE MOTOR VEHICLE RECORDS, WHICH I ADDRESSED BACK IN XXXX.My children are grown  and have not lived at home for over XXXX  years. Even when they did live with me they did XXXX XXXX my vehicle. They drove their dad 's or their own. I even signed a paper saying that my daughter is not allowed XXXX XXXX my vehicle. 
HOWEVER, it states : for all of the drivers listed on your policy the records list violation activity ... .refer to the Driver Section ... shows accident and moving violations information on file for each driver. 
I am the only person who drives my vehicle. I drive approximately XXXX miles or less a year. I was driving through a XXXX  light that turned XXXX  as I got through it, right along with the traffic in the other lanes. 
I spent a very long time working on all of the problems listed in XXXX  in order to get my home and auto XXXX  reduced. I dread the thought of having to do it all again. But, if I have to, I will. Thank You for hearing me on this.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I I have recently submit letters to you about my credit report XXXX, XXXX and Equifax for all 3 credit reports waiting for a response yet I got nothing, according to the standards you was to connect me with 30 days due to time of this whole situation how XXXX. 

There are errors that are on my credit report which should not be or removed from my credit report. 

wrong address wrong employment wrong name never live there Because of this treatment, I had to change my purchase my real estate investment properties because my credit report is not up to CFPB STANDARD!!! 
this total Unacceptable and violates over 20 rights that I have as a consumer I ask you to take complaint extra seriously, I would like a response form you no later than 15 days. And also request to be compensated interest for every day the credit bureus do not reply to my complaints.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TN)

I am XXXX XXXX and I opened an account with Navy Federal in the summer of 2024. After completing additional identification requirements with the security team, I was finally approved and received a debit card. 

However, after logging in a few times and activating my card, I encountered a locked message when attempting to log in. Subsequently, I received an email stating that my account had been denied. Despite having verified my identity three timesonce over the phone and twice via email to the security teamI have experienced delays and a lack of solutions. There has been no clear response or resolution provided to regain access to my account. 

I feel that this situation may involve discriminatory practices and request a thorough review and resolution to regain access to my account.
Consumer complaint received 2024-07-21
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 (OR)

Name : XXXX XXXX Company Name : Synchrony Bank Complaint Information : Amount in Dispute : {$3800.00} Complaint Details : Unauthorized Credit Card Account and Inadequate Fraud Investigation Detailed Description : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank regarding a fraudulent credit card account that was opened in my name without my authorization in XXXX. Despite my repeated attempts to resolve this issue directly with Synchrony Bank, the matter remains unresolved, and I am seeking the CFPBs assistance. 

Background : 1. Fraudulent Account : Between XXXX and XXXX, an unauthorized credit card account was opened in my name with Synchrony Bank. I did not apply for or authorize this account. 
2. Unauthorized Transactions : Unauthorized individuals accessed my mailbox and used my checkbook details to make unauthorized ACH payments to this fraudulent account. Additionally, my phone was stolen, and my safe, containing my Social Security number and other personal information, was broken into. 
3. Reporting the Fraud : Upon discovering the fraudulent activity, I immediately contacted Synchrony Bank to dispute the charges. I also reported the issue to the police and filed a report with the Federal Trade Commission ( FTC ). 

Issues with Synchrony Bank : 1. Failure to Investigate : Synchrony Bank failed to conduct a reasonable investigation into the disputed account, continued to report inaccurate information to credit reporting agencies, and pursued collection efforts against me by suing in me in civil court. 
2. Inadequate Response : Despite providing Synchrony Bank with evidence of the fraud, including the police report and FTC Identity Theft Report, they have not taken appropriate action to resolve the issue or correct the fraudulent information on my credit report. 

3. Unfair Practices : Synchrony Banks continued attempts to collect the fraudulent debt, despite being informed of the identity theft, constitute harassment and unfair debt collection practices. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX