davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Byrider Franchising, LLC (TX)

I purchased this vehicle less than a month ago in XXXX. And its been nothing but problematic. 
XXXX XXXX 2010 XXXX XXXX XXXX XXXX Tx XXXX location. 

I work XXXX m-f which leaves me without an opportunity to even drop off my vehicle for repairs as I live XXXX miles away from the shop and an uber to the location is {$30.00} XXXX way and thats on weekends. During the week its $ XXXX. Ive had diagnostics ran on the vehicle and theres a lot more wrong than minor cosmetic issues. My headers keep misfiring, the XXXX is already starting to go out, oil levels wont hold. ( took it to take XXXX and they said it would be over {$150.00} to fix it at base level ). Since the location of the windshield repair company they suggested is XXXX miles away from me XXXX cant get that fixed. I did a safelite quote and its almost {$370.00} to replace it. XXXX honestly worried every day XXXX XXXX to work because its starting to sound like its going to die everyday. I missed the full payment on Friday ( for the down payment not the actual car loan ) due to the fact that Ive had to take an uber and get rides to work due to safety concerns. Please help me, also my references are getting harassing messages and phone calls. Most of the references are XXXX and they are freaking out. XXXX be glad to pay the full balance once Ive got a resolution. Not having a vehicle for several days is unacceptable especially so soon after purchase. Either a vehicle with a clean bill of health would suffice or take it back. This car according to Take XXXX would not pass inspection ( which is very concerning ) Thank you for your time. I will be away from my phone most of the day as XXXX having a medical procedure done after going to the hospital. Please let me know if you need anything else.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NV)

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies. 

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than seven years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under 12 CFR 1016.7, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Date of Report XXXX Amount {$0.00} Date of Report XXXX Amount {$0.00} In accordance to 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!
Consumer complaint received 2024-08-18
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 (IN)

Venmo has permanently suspended my account with money in it and I can not transfer it out nor use my account to send money to family and friends. My friend had sent me money on XX/XX/XXXX and ever since then its been locked. I have very important transfers to make and bills to pay. I have reached out to them multiple times and they have not helped at all. 

I have provided them with documents of proof of my identity and bank statements but they dont reply and have locked my account and my money from me. Ive had this happen before and they fixed it. Now its happening again. Do not use them they will keep your account locked and hold your money for weeks or months. Terrible experience
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AD Astra Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and Assignment Contract Dear AD Astra Recovery SE, I am writing to request validation of a debt that you claim I owe. In particular, I am seeking to verify the legitimacy of this debt and your authority to collect it. To this end, I request the following information : Proof of the Debt : Please provide a detailed statement showing the amount owed, including any interest, fees, or other charges.

Name of the Original Creditor : Please provide the name and contact information of the original creditor to whom the debt was originally owed. 
Assignment Contract : Please provide a copy of the assignment contract or any documentation that shows that the debt has been legally transferred or sold to your agency. This should include any relevant details proving your right to collect on this debt. 
Details of the Account : Please provide account numbers or any relevant account details associated with this debt. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide this information within XXXX days of receiving this letter. During this period, please cease all collection activities until you have provided the requested validation. 

Please respond to this request in writing to the address listed above. If you are unable to provide the requested documentation, please acknowledge that you will cease any collection attempts and remove any negative information related to this debt from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am writing to dispute a concerning issue regarding the personal financial privacy policy notices and opt-out annually statements provided by CHEXSYSTEMS, It has come to my attention that CHEXSYSTEMS may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations.

As a customer of CHEXSYSTEMS, I have not received the required personal & financial PRIVACY POLICY NOTICES and opt-out annually statements as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations.

I demand that CHEXSYSTEMS promptly rectify this issue by providing me with the required PRIVACY POLICY NOTICES and opt-out statements in accordance with federal laws and regulations. Additionally, I request that CHEXSYSTEMS conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward, I also request PROOF that CHEXSYSTEMS has PERMISSIBLE PURPOSE/PERMISSION to disclose my NON-PUBLIC PERSONAL FINANCIAL INFORMATION, I also request ( NPI ) DISCLOSURE where I gave consent to disclose such information to a THIRD PARTY or the general public.

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary.

I trust that CHEXSYSTEMS will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Consumer complaint received 2024-08-19
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: BROKER SOLUTIONS, INC. (FL)

XXXX XXXX XXXX, XXXX Executive Vice President, Director of Servicing New American Funding, XXXX RE : Credit Reporting Dispute - XXXX XXXX 's Account Dear XXXX XXXX, I am writing regarding your letter dated XX/XX/year>, in response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of late payments on my account. 

I appreciate your effort in reviewing my account. However, your response does not adequately address my legal concerns regarding the accuracy of the information reported to the credit bureaus. 

Under 15 U.S.C. 1681s-2 ( a ), New American Funding, LLC is legally obligated not to report inaccurate information. If you, as a furnisher of information, know or have reason to believe that the information is incorrect, you must correct it immediately. Additionally, under 15 U.S.C. 1681i, upon receiving a dispute notice, you are required to conduct a thorough investigation and correct any errors within 30 days.

You assert that no errors were made in reporting my account as delinquent. However, I have no record of receiving adequate notification that would have allowed me to dispute the information before it was reported to the credit bureaus. Furthermore, the lack of response to my direct dispute in XXXX, XXXX, or XX/XX/year> is a direct violation of your obligations under 15 U.S.C. 1681s-2 ( b ).

Given that I have fulfilled all of my obligations and that your inaccurate reporting has caused significant harm to my credit rating, I demand that you : Immediately remove the incorrectly reported late payments from all credit bureaus ( XXXX, XXXX, and XXXX ) for my account. 

Provide documentary evidence that demonstrates your compliance with notification obligations and due process concerning my account. 

Update my credit report to reflect the correction of any errors and provide a confirmation letter stating that the late payments have been removed from my credit history. 

Should you fail to comply with these demands within the next 15 days, I reserve the right to pursue legal action under the Fair Credit Reporting Act ( FCRA ) to protect my rights as a consumer. 

I look forward to your prompt response to resolve this matter amicably. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XX/XX/2024 I am writing to express my extreme frustration and disappointment with the ongoing dispute I have been having with XXXX and the Eastern Account System collection agency. Despite numerous attempts over the past five months, I have been unable to resolve this issue. 
As documented in the attached files, XXXX has acknowledged that they made an error, which they claimed to be addressing three months ago. However, the collection agency continues to refuse to remove the incorrect information from my record. When I called them today to request an update, the representative abruptly hung up on me without providing any assistance or even disclosing her full name ( she only gave a partial name, " XXXX '' or " XXXX '' ). 
This situation is having severe consequences for me, as I am on the verge of losing my licenses, which generate over {$10000.00} in daily income. I urge immediate attention to this matter to prevent further harm to my livelihood.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (NV)

I am filing this complaint regarding Robinhoods unjustified restriction on my ability to perform instant debit card cashouts from my account. I have been a customer of Robinhood for many years and have consistently adhered to their terms of service. 

Recently, my bank underwent a transition in their debit card system, which caused a reversal of one of my instant debit card cashouts. This situation was beyond my control and was directly related to the changes implemented by my bank, not due to any fault or misconduct on my part. 

I believe this reversal had something to do with this ridiculous restriction, As a result of this reversal, Robinhood has restricted my ability to instantly cash out my funds to my debit card. This restriction has caused significant inconvenience and financial strain, as I rely on these funds being available promptly. I understand the need for security and compliance measures ; however, this restriction is both disproportionate and unjustified given the circumstances. 

I have reached out to Robinhoods customer service to resolve this matter, but I have not received a satisfactory explanation or solution. I am requesting the CFPBs assistance in addressing this issue promptly and ensuring that Robinhood lifts this unfair restriction on my account.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam, I am writing to dispute the charge-off entries on my credit report associated with the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete and indicates not my account. 

I have received a 1099-C form from the creditor, indicating that the debt related to this account has been canceled and reported as income to the IRS. As such, the debt is no longer valid, and the continued reporting of this charge-off is misleading and inaccurate. Resulting in my rights to be violated that are protected by the FCRA laws. I request that the charge-off entries be removed from my credit report to reflect the cancellation of the debt immediately. 

I appreciate your prompt attention to this issue Thank you for your assistance. 

Sincerely,
Consumer complaint received 2024-08-19
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: Self Financial Inc. (TN)

I opened an account with Self Financial in XX/XX/year> and the account was paid and closed in XX/XX/year> and is still negitave on my credit report in the amount of {$520.00}
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I created a login with TransUnion to Freeze my credit. Their website failed and said it could not process. I then called the number shown and the automated system failed and said it could not process. I then sent a message to a live agent. After an hour they responded and told me to hold and then the system timed me out and would not reconnect me. I then called in and waited on holder forever. The person said that my credit freeze was placed, but could not offer any proof. Additionally I can not check the status of my credit freeze on their website. They informed me that they have a high volume of calls right now, but doing a simple search online shows that their website has been having this issue for years with several complaints. I asked to speak to a supervisor and they started having phone issues magically. I tried to retrieve my free credit report on their website and that declined as well. All services offered on their website do not work. They are intentionally not responding to any avenue I try to reach out on.
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

XX/XX/year> I have already paid {$230.00} for an emergency visit at XXXX XX/XX/year> I have already paid {$830.00} to the XXXX XXXX department XX/XX/year> I have paid {$44.00} to XXXX XXXX XXXX for a balance radiology Now XXXX XXXX XXXX 's Associates send me a debt of {$620.00} but the informations of my name are not correct And I have already paid {$1100.00} And I'm self-paid And they didn't ask me this amount before XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-07-28
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. (GA)

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXXXXXX XXXX XXXXXXXX, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency XXXX XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from XXXX credit bureaus ( Equifax XXXX XXXX ) that your agency XXXX XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.