davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I purchased a king size top of the line XXXX mattress from a Mattress Firm store. Total purchase price financed through Synchrony Bank/Mattress Firm was {$5900.00} which I had 5 years to pay off interest free. I was making $ XXXX payments for over 2 years for a total of {$2500.00} on auto pay. The balance due after that is {$3400.00}. Within the first year I realized that the mattress was so defective that I could not sleep on it and started sleeping in my guest room on an old bed for the second year that I had it. I was terribly ill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which started in XX/XX/XXXX. I needed a lot of extra sleep and my old mattress had springs that had popped through making it impossible. I was so sick that it was hard to get out of bed. Hence my delay in contacting Mattress Firm only to find out that I had to do my warranty claim directly to XXXX via email. I started that process in the fall of XXXX and received and email response from XXXX on XX/XX/XXXX, Claim # XXXX. I had to take several photos of the XXXX mattress and send them off via email. They kept saying that they weren't good enough and that I needed to send more. This has gone back and forth with them until XX/XX/XXXX when XXXX changed my claim # XXXX. Meanwhile I was calling Synchrony Bank having to restart new disputes every month. They failed to tell me what they needed for documentation and even sent me a letter stating I'd have to file a form with them which they never sent. I've been in touch with them ever since I made the claim witht mattress company and XXXX XXXX. They keep denying my disputes and then restarting them. They finally told me that they needed proof of all of my documents to XXXX which they received on XX/XX/XXXX, Document ID # XXXX. Now when I call the bank, they put me into the que after pulling up my account and then I have to start all over with a new person. Meanwhile they have mailed me numerous rejection letters denying my claim in favor of the merchants. They have ALL of my info on my account and yet tell me that they need to research more. Leaving me on hold numerous times and then putting me back into the que is harassment and nothing but a denial of my dispute for a very defective mattress. I've had trash people haul it away after giving both mattress companies a chance to come pick it up. They denied that they would do so.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (TX)

I had a debt owed to Chase that was delinquent in payment. In XXXX of 2023 ( XXXX / XXXX ). I spoke with Chase bank to notify of my situation of not being able to provide payment at that time. 
I have a XXXX XXXX that suffered financial strain stemming since covid that I since been trying to recover from.

They were willing to work with me but I defaulted. I received a few phone calls from Chase for a few weeks then the communicated stopped.

I did not receive phone calls, emails or any postal mail regarding the account at all. I was still receiving friendly emails from Chase, which deceived me to assume that things were in good standing relations. 
Suddenly I started to receive phone calls and postal mail from defense attorneys to help defend me during a law suit. It was this time that I was able to find the court information about Chases law suit against me.

Over last year I have never received collections letters or calls from Chase regarding the severity of the account- much less any offers ; opportunities to settle this account. 
I did receive calls from unidentified callers, which couldve been spam. 
At this point I feel that Im being targeted by Chase filing this law suit. I am living in fear having XXXX XXXX and unable to sleep from the threat of losing everything of value including my XXXX XXXX This stress is effecting my lively hood in every way.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

Sent message on XX/XX/year> because interest rate is not set at correct amount. Company responded that my interest rate should be lower because it is set on autopay. Sent another message on XX/XX/year> because interest rate has still not been updated to correct amount. Payments will be starting XX/XX/year>. Loans have been accruing interest with incorrect interest amount. This needs to be updated to the correct interest amount ASAP with all interest accrued with incorrect interest credited back to me.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

identity theft, These accounts Genesis credit managemen and XXXX XXXX XXXX  do not belong to me. I have no contract with either of these companies
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (FL)

The Chase bank account that was open was opened during a fraud investigation that I reported to the XXXXXXXX police department who attempted to get the information to find out who it was from chase and another company. However even myself tried multiple time to talk to chase and send in the information and never received a phone call or email from the department after sending all the police reports and information needed multiple times. Chase failed to help in anyway with the police investigation and would not give me any information about the account accept what was owed. In the end they have been destroying my credit for the past year.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MA)

When I purchase a new cell phone from Verizon XXXX, they offered my a Synchrony Verizon Visa Card. I was skeptical to accept it because of problems I had had with a XXXX 's credit Card issued through Synchrony. ( Note : XXXX 's has since cease to do business with Synchrony and has switched to XXXX XXXX. 

I am XXXX XXXX XXXX and have had XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I made an EFT payment of {$50.00} to the account. This was not a regular, scheduled payment, but an extra payment to reduce my outstanding balance. On XX/XX/XXXX, I made an EFT payment of {$100.00}. Again this was an extra payment. Several days later, when I went online to check my account I notice that the payment had not been credited and there was a {$30.00} fee from Synchrony.

I contacted Synchrony and was told that the payment had not gone trough because of a numerical error in either the tracking number or the account number. 

I immediately contacted Sychrony, gave them the XXXX number and asked that they remove the {$30.00}. They refused. After escalatling my complaint they removed the {$30.00} charge. ( Subject of my previous complaint ) On XX/XX/XXXX I made an extra payment of {$100.00} and On XX/XX/XXXX I made an extra payment of {$200.00}. 

On XX/XX/XXXX I received notification from my internet provider that my automatic scheduled payment of {$13.00} was denied by Synchrony, I contacted the provider and made sure that they had the right information. I then contacted synchrony was told that my account had been cancelled and that I would be receiving a letter informing me of their decision to cancel my account. Even though I escalated my complaint, no one at Synchrony would discuss the cancellation with me.

When I tried to view my account online, I discovered that I was locked out of my account and could not access any of the information needed to file this complaint. Synchrony has refused to allow me access to my online information. I need that information in order to file a complaint with the Commonwealth of Massachuetts under MGL c92A ( the Massachusetts Consumer Protection Statute ).

Cancelling an account due a numeric information error which was immediately corrected ; refusing to honor a charge that was scheduled before I was informed of the account closure and hiding my online financial records from me is unconscionable, but wholly typical of the management 's attitude at Synchrony Financial.

I have contacted senior management at Verizon whose name and logo appear on the card and, apparentl
y, they are not happy and I was told that this is not the first complaint that they had received concerning Synchrony.
Consumer complaint received 2024-07-15
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: Experian Information Solutions Inc. (FL)

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Bank of America ; I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LCI Acquisition Inc. (FL)

LCI Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear LCI Global Consumer Center, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This letter serves as an urgent and final demand for the immediate removal of the inaccurate and negative entry listed below from my credit report. I have previously communicated with you regarding this matter and have yet to see the necessary corrections. The discrepancies in reporting across all three major credit bureaus are unacceptable and must be rectified immediately.
Consumer complaint received 2024-07-15
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. (OH)

I recently ordered copies of my credit reports, and i discovered numerous accounts that do not belong to me, which means that i am not the one who opened these accounts. I am a victim of identity theft. I then mailed a priority letter containing Copies of My Current Driver license, Social Security Card, FTC Affidavit, Police report & lease or previous address XX/XX/year> to all parties listed below. XXXX XXXX XXXX XXXXXXXX, XXXX, Experian and other Fraudulent accounts reporting on my credit report that has been removed. The documents received were not attached properly to XXXX XXXX XXXX  account due to the mis handling of XXXX, Instead it was improperly reviewed & closed. The documents are with in there system File # XXXX Item # XXXX confirmation # XXXX were said to be attached to the reopened dispute since XX/XX/year> but was not until today. I have put security freezes on all secondary bureaus as well. This is hindering me
Consumer complaint received 2024-07-15
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: Experian Information Solutions Inc. (GA)

Hello, these inquires and accounts do not belong to me. I have filed an identity theft report and these should be deleted immediately. 

Inquiries : 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  Accounts That do not belong to me that need to be deleted that are identity theft. 


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
Consumer complaint received 2024-07-15
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: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not get permission to run those hard inquiries I demand those reports to come off my credit
Consumer complaint received 2024-07-15
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. (NV)

Section XXXX of the Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting organizations upholding fairness, impartiality, and respect for privacy. XXXX and Experian are consumer reporting companies ; I am the consumer. According to 15 USC 6801, financial institutions must respect customers ' privacy and protect their nonpublic personal information. The title " Furnisher of information to credit agencies '' defines a financial organization. 
Section 2 of 15 USC 1681 states : " In general. '' According to subsection ( c ), a consumer reporting organization may only provide a report based on the written instructions of the consumer. The banking institution and consumer reporting companies, XXXX and Experian, did not obtain my express agreement to provide this information. XXXX and Experian 's consent to provide information to credit agencies, whether spoken, nonverbal, written, or inferred, is revoked. 
15 USC 6802 ( b ) ( c ) provides : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( provider of information to credit agencies ) I was never advised of my right to nondisclosure. Not only that. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This is an unpleasant thing being reported again without my authorization which is against the law. 
According to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, individuals are prohibited from providing incorrect information about consumers to consumer reporting agencies if they have probable grounds to believe it is so. 15 U.S. Code Section 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to confine the providing of consumer reports to the reasons listed under part 1681b of this title. XXXX and Experian aren't following acceptable processes. Also According to 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am opting out of your reporting services.