davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase is giving me to much of a hard time with a deposit of a check less than {$150.00}. I have processed these checks in the past but Chase is giving me too much of a hard time, they have asked for a number to verify details of the check and I did, XXXX, the wait to speak to an agent is super long. I have advised this already to the bank and even so they try to call but after being on hold for about XXXX mins they advise they can no longer wait and advise I call back another time. This is prolonging the restriction on my account and therefore not allowing me to access my funds or my account as any other client. I am simply requesting for the restriction to be lifted and allowing me access to freely use my account, I have called already in XXXX XXXX XXXX and have not gotten anywhere, I went into the bank and still no solution. Attached are details of the check that I deposited and the information of the payments to me. I have an active XXXX XXXX XXXX and get help with rent payments.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CA)

Discover violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and California 's Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788 et seq., by reporting a {$6.00} past due balance to credit bureaus without providing the legally mandated validation notice. As a California resident, I am entitled to receive a written validation notice within 5 days of initial contact regarding a debt. 

The required validation notice must include : 1. Debt amount 2. Creditor 's name 3. Statement of assumed validity unless disputed within 30 days 4. Statement of right to debt verification if disputed within 30 days 5. Statement of right to original creditor 's information upon written request Discover failed to provide this notice, violating 15 U.S.C. 1692g ( a ). Their claim that I opted for paperless statements is irrelevant and does not exempt them from FDCPA compliance. The E-Sign Act ( 15 U.S.C. 7001 et seq. ), governing electronic communications, does not supersede FDCPA requirements for debt validation notices. Courts have consistently upheld the importance of written validation notices ( e.g., Hernandez v. Williams, Zinman & Parham PC, 829 F.3d 1068 ( 9th Cir. 2016 ) ).

It's important to note that while the FDCPA primarily applies to third-party debt collectors, California 's Rosenthal Act specifically extends these protections to original creditors like Discover. This means that in California, Discover is subject to the same requirements as third-party debt collectors under federal law.

The law requires the validation notice to be sent within 5 days of initial contact about the debt, not necessarily before reporting to credit bureaus. However, Discover 's failure to provide this notice at all is still a violation of both federal and state law.

This violation resulted in an erroneous late payment status on my credit report, adversely affecting my credit score and financial standing. My attempts to resolve this with Discover and Equifax have been unsuccessful.

I urge the CFPB to investigate this clear violation of federal and state law, and mandate that Discover remove the late payment status from my credit report due to their failure to provide the legally required validation notice, as supported by case law ( e.g., Russell v. Absolute Collection Servs., Inc. , 763 F.3d 385 ( 4th Cir. 2014 ) ).
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My paypal account has been wrongfully limited and my balance is not available anymore. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the XXXX of XX/XX/year>, i got ask to provide proof of fulfilment from my supplier to prove i can fulfill orders. I provided all the information they asked for and my information was correct, however the next day my account was permanently limited with an email stating that i used false information. All my documents were legit receipt for my supplier and now that are holding my money hostage. I would like the limitations to be lifted on my account. I can provide all the info necessary to prove i'm a legitimate business if required.
Consumer complaint received 2024-09-06
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CT)

I called XXXX on XX/XX/XXXX, XXXX as I saw that my balance had significantly been raised. 

I was contracted an HVAC company to replace an AC/HVAC unit and this is the company the recommended that I use. The rep from the company told ne it was an 18 month zero interest program. 

I opened an app on the phone and began making monthly payments. 

In XXXX of XXXX I saw that my payoff was {$8500.00}. 

This month I saw my payment at {$12.00}, XXXX I called to see what could be done and what had happened. They said that I had 30 days to make the payment without interest penalty and that the promotion had ended on XXXX, XXXX, XXXX. I am now 34 days out. I explained I use my phone app to make all payments and did not see that the promotion had ended. I explained I would pay the entire amount immediately. They checked with a supervisor and they said that was not an option because I was outside the window of 30 days seeing that it was day 34 today. I again was unaware that an interest charge that large could even be applied to any card. I would think it would at the most be applied to the money that I still owed them. They were unwilling to negotiate full payment, a compromised payment to include late fees and some interest or whatever I suggested to make a complete payment and be done with the account. 

I contacted the Consumer Financial Protection Bureau to try and support me with this issue.
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MN)

Synchrony Bank offered me a credit card insurance program, which is through Synchrony - Card Security -- its own insurance program -- that will make benefit payments directly to my Synchrony Bank Care Credit account in the event of unemployment, a XXXX and other issues that would otherwise render me unable to make my credit card payment. I enrolled in the Synchrony Bank - Card Security program when I opened my Care Credit account. I used my Care Credit account in XX/XX/year>2024 for XXXX  XXXX at a healthcare provider who accepts Care Credit. On XX/XX/scrub> 2024, I became XXXX, at which point I filed a benefit request with XXXX XXXX. My benefit request was approved, and XXXX payments, equivalent to my monthly minimum payments were made to my Care Credit account under the approved XXXX benefit. On XXXX XXXX, Synchrony XXXX XXXX made a benefit payment of {$9000.00}, which paid my Care Credit balance, in full, as of the date my XXXX occurred. This left me with a credit balance of {$660.00}, which I requested be sent to me via a check by mail since Synchrony does not offer any electronic means of processing my refund request. When the benefit payment of {$9000.00} was made, Care Credit placed a hold on these funds, not releasing them into my available credit, until on or around XXXX, XXXX -- a nearly XXXX hold on my available credit, despite the payment being made by Synchrony XXXX XXXX XXXX its own insurance benefits partner. I believe that when Care Credit held this payment and did not release it into my available credit -- a payment made by the credit card insurance Synchrony offered to me at the time I applied for and was approved for my Care Credit account -- this was abusive, deceptive and unfair. I believe it's abusive and deceptive, because Synchrony has received guaranteed funds from its own credit card insurance partner -- a service and product it sold to me -- but then is refusing to release the benefit payment from that insurer into my Care Credit account. Further, I believe that holding the payment of {$9000.00} is unfair, because this was not a personal payment -- rather, this was a payment from Synchrony Bank 's own credit card insurance partner, and I believe it's unfair to penalize me by not releasing that amount back into my available credit, for nearly XXXX weeks, when I have never had an issue with my Care Credit account -- I have never been late, I have always made at least, if not more of the minimum payments due each month, and I have used the card responsibly. I have attached a copy of the benefit payment letter to substantiate the source of the {$9000.00} payment.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (AL)

To Whom It May Concern, I am writing to you to request a goodwill adjustment for a late payment that is on my account XX/XX/year>, I always make my am and make every effort to fulfill my financial responsibilities, but the past few months have bee hardship for me. At the time of these late payments, I was laid off from my job due to unforesee. issues, and still made the effoft to make my monthly payment although I am still out of work I say not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I have been a happy customer since XXXX and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing the marks from my credit reports. 
I am now trying to find an apartment and lease a car and I am having trouble doing so due to my XXXX XXXX score decreasing due to these late payments. 
I understand that according to federal law 15 U.S. code 16 la ( 2 ) AD ), a consumer report does noti information solely as to transactions or experiences between the consumer and the person makins payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not u. payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXX I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heals above the rest. I look forward to your reply. 
Very XXXX yours,
Consumer complaint received 2024-09-06
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX AUTO Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX AUTO Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/2023 XXXX CARD XX/XX/2023
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX  {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

I signed up to pay for paper billing with Synchrony. I'm okay with paying a little more to receive paper billing. After signing up and paying for paper billing, I am no longer able to view my statements electronically. I have other accounts with Synchrony where I am able to receive paper bills, and also view statements electronically. This policy was not disclosed to me when I signed up for paper billing. It feels very manipulative not to offer any option to receive paper bills, while also retaining access to electronic statements. It feels like a security issue as well, having access to electronic statements helps me quickly verify previous activity.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (CA)

I requested my consumer report From EWS, LLC on their website and received the report. Noted several errors and information that had not reference point/legend for explanation. 
I sought information on their site for the placement of a Freeze, as my credit union ( XXXX XXXX ) had just finally verified personal and financial information was breached during the XX/XX/XXXX cyberattack/ransonware. 
I could not find the information I was looking for and upon calling the " XXXX '' number, I was informed that " ESW, LLC is not required to comply with Freeze requests ''. WHAT..?! 
How is this allowed? This absolutely unacceptable and therefore, I am demanding CFPB compel Early Warning Services , LLC AND their umbrella of companies be instructed to comply with ANY and ALL freeze requests.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (DE)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

I am getting multiple calls every day from Comenity Bank. I have each number saved as well as the date and time. This is beyond harassment and I need this to stop. This happens at all times of the day and includes Saturdays and Sundays. Comenity fills up my voicemail quickly and I have had many friends, doctors, family, etc tell me that my voicemail was full.
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. (TN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-03-26
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: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to formally address a significant issue I have encountered with my account, which has been a source of frustration and inconvenience. I have been a loyal customer for over 12 years, and throughout this time, I have maintained a positive relationship with your institution. 

However, my account has been blocked since XX/XX/year>, following an attempt to purchase appliances at a XXXX XXXX XXXX store. Despite numerous phone calls and considerable time spent attempting to resolve the bank 's concerns, I was instructed to provide additional documentation. 

I initially sent the requested documentsmy ID, Social Security card, and a utility billvia fax on XX/XX/year>. Upon being informed that the images were unclear, I resubmitted the documents on XX/XX/year>. Despite this, I was again told that the images were not satisfactory, leading me to mail the documents on XX/XX/year>. 

Despite these efforts, I continue to face issues with my account and have been unable to receive clear responses or resolutions to my concerns. Additionally, my inability to access my account online prevents me from making a full payment on the current balance, which is accruing interest charges. 

This situation is unacceptable and requires immediate attention. I request prompt resolution of this matter, including restoration of my account access and clarification on the status of my documentation. Furthermore, I urge you to address the interest charges that have accumulated due to this issue.
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (IL)

The company requires you to provide photos of your identification when applying for credit. They send you a link to an interface where you are supposed to click on a button to activate your phone 's camera. However, the verification screen they provide does not fit in my phone 's display, and it does not allow me to scroll down to click the button. This is a XXXX problem reflective of poor XXXX design. The bigger problem being they do not provide any alternate means for me to provide identification verification. This, to me, seems to be a violation of the Equal Credit Opportunity Act. Because I don't possess a smart phone, they won't provide me access to apply for their credit offerings.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (TX)

TrueAccord has contacted me on behalf of XXXX, on behalf of XXXX XXXX XXXX. They assert I have a credit agreement with one of these companies. I have no knowledge of a credit agreement. I have not received from any of the XXXX companies, a notice for validation of debts as required by 1006.30. I would like to request : 1. A validation of debt notice ; 2. A copy of the credit agreement from the original creditor.