davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (SC)

ACCOUNT # XXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (KS)

Since inception of the loan, we have had issues with our payments not being applied correctly. Until about the last 2 or so years, it was manageable with NewRez. The last several years have been a nightmare. We are calling every month or more to get them to fix the payments that were sent to principal only, in error. There is a permanent note on our account to leave EVERYTHING in Unapplied payments, until a full month 's payment has been made. We pay our loan payment every week, as that is how we get paid. At this point, we should have {$930.00} sitting in unapplied to go towards XXXX 's payment. Our XXXX 's payment should have been made with the weekly payment on XX/XX/XXXX. 
I sent in proof from our bank records of the payments made for the last 2 years, as well as a spreadsheet showing how the payments should have been applied. ( What payments went to what months ) Every time I call they tell me, " it is a different department that would handle that, and they do not have a way for you to contact them. The only thing you can do is fill out a complaint/ request form online. '' Which is what I have done every time. But now no one will contact me, except to tell me that my payment is late... I have given them all the data that they need and dozens of chances to fix it, without results.
Consumer complaint received 2024-08-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

On Wednesday, XXXX of XXXX at around XXXX, my cash app account sent me a notification that my direct deposit had been deposited into my cash app account. I then changed my debit card that was linked to my account to another card. When I did that I got another notification that my account was locked. Tried to chat with cash app but the app informed me that I needed to call within business hours due to the fact that it was already after XXXX. The following day went through the app again and talked to someone in customer service and was informed that my account was locked down but couldnt provide any information as to why it was locked down and for how long it would be locked. Cash app customer service stated that my case would be expedited and that I would be receiving an email from them shortly. Its has been already a week yesterday since they locked my account. I have called and chatted with cash app everyday and still get the same answer. That I will receive an email. They wont let me talk to any supervisor or anyone in charge about my account. Ive requested their email but I was told they dont have an email to give me but they keep saying thats their main source of communication. I am lost on what to do. I thought it was safe to deposit my check to cash app and now here I am with no way to get access to my money
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (SC)

Around XX/XX/year>, XXXX EST I received an email from XXXX about a credit card debt that went unpaid sadly due to health reasons during XXXX. At that time I used their clickthrough to " unsubscribe from these collection emails ''. It said give them two days for it to go through. Since then I've been emailed XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I've attempted to use their website and have gotten this automated response : " Unsubscribed from Chase credit card collections emails This confirms your request to remove XXXX from future credit card collections emails for this account. 

Please allow 2 business days to complete the request. 

Thank you. '' I've even attempted multiple times to use the XXXX built-in unsubscribe feature to also do so to no avail. At this point it feels almost as if they were harassing me by continuing to email me so many times when it has been expressed through their system they provide to opt out of said collection emails.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (NY)

I am filing a formal complaint against Synchrony Bank for violating the Fair Credit Reporting Act ( FCRA ). Despite paying off my balance in full, Synchrony Bank has failed to update the credit bureaus, leading to inaccurate and damaging information on my credit report. 

This is a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers like Synchrony Bank to report accurate information and to correct any information they know to be incorrect. Additionally, the prolonged delay and misinformation provided by their representatives may violate FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates prompt investigation and correction of disputed information. 

I demand that the CFPB take immediate action to enforce these provisions and compel Synchrony Bank to correct the status of my account with all credit bureaus. Furthermore, I request a formal investigation into their reporting practices, as their actions have caused significant harm to my financial standing. 

If this issue is not resolved promptly, I will pursue all legal avenues available to me, including seeking damages for the harm caused by their negligence.
Consumer complaint received 2024-08-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Possible Financial Inc (TN)

I paid a past due debt owed to Possible Financial through their contracted debt collector, InDebted on XX/XX/year>. After noticing in the middle of XXXX that they were still reporting the debt as unpaid to the three credit bureaus, I disputed the debt with the bureaus. Possible falsely " verified '' the debt as valid and is not updating my account as required by law. 

I contacted Possible to inquire as to why this is happening and they responded that they don't have record of my payment and did not verify the payment was made with InDebted before verifying the debt to the bureaus. InDebted as informed me that they submitted the payment to Possible and that it is paid in full.
Consumer complaint received 2024-09-05
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed 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 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

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 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (OH)

So I signed up for the fortiva credit card a couple years ago and I have used it frequently and have paid it off several times, about 4 months ago I tried to cancel the card because I was noticing that they kept adding more and more fees so I called in to cancel the account and they told me that they did cancel it. 

However I'm still receiving monthly emails saying that more fees are getting tacked onto this balance that's not even real. I have kept that card paid off for several months leading up to me canceling it, I ended up canceling it because they were making me pay monthly fees even though I wasn't using the credit card which I never agreed to in the first place they just started attacking them on a year later after I had the card. 

Now fortiva is reporting to my credit score every month that I am late on this payment that truly doesn't exist, this " payment '' they are referring to is them adding on fees and fees and fees. 

I have spent countless hours with them on the phone trying to get this resolved but they will not resolve it without me paying off imaginary fees that they created out of thin air. They are robbing me and ruining my credit in the process. 

Please please please can you help me
Consumer complaint received 2024-09-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMSXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (GA)

I am writing to express my concern and disappointment regarding the recent denial of my fraud claim by the XXXX XXXX XXXX XXXX Department. Unauthorized transactions were made from my checking account, which I reported promptly. However, despite the clear nature of these unauthorized transactions, my claim was denied without any valid reason or sufficient explanation from your department.

Under Regulation E, which governs electronic fund transfers, including unauthorized ATM withdrawals and purchases, consumers are entitled to specific protections. According to Regulation E, if a consumer reports an unauthorized transaction within 60 days of receiving the statement that includes the error, the financial institution is obligated to investigate and resolve the claim. The institution must provisionally credit the consumers account within XXXX business days if the investigation is not concluded within that period. Denying my claim without providing a clear and valid explanation is a violation of these protections and my rights as a consumer. 

I request an immediate review and reconsideration of my case, and I expect to be provided with a detailed explanation for the denial of my claim. Failing this, I will consider escalating the matter to the appropriate regulatory authorities.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I have been calling into Experian credit bureau to update my phone number due to changing the phone number a year ago. I have also expressed to Experian credit bureau that the number that is listed on the account has not been active for one whole year. They then told me that I have to wait 90 days because I had an easy money digital account. The money digital account is closed as of today. Now they are now telling me that I have to wait 95 more days to update the phone number on the account, which is denying me access to my credit report that I actually pay for XXXX to be exact. Every month they take their XXXX but Im still not able to access my credit report this here is some type of violation of my consumer rights. I have requested to speak with supervisors. I have tried to have the situation escalated and I have already waited. 90+ days to close the easy money digital account now I have to wait another 95 more days to update my phone number, and this was not explained to me after being told about waiting 90days to close the easy money digital account. This situation has caused me so much distress in trying to get a new car and or credit cards
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PLS GROUP, INC (TX)

I purchased a puppy at XXXX XXXX, not even a good 24 hours later I discovered that my puppy was sick. I had to rush him to the vet the following day where he was diagnosed with XXXX XXXX. Soon after, I contracted his XXXX XXXX and my doctor had to prescribe me antibiotics. My dog was sold to me and they guaranteed me that he was healthy, but he wasn't. I ended up calling XXXX XXXX XXXX and they paid XXXX XXXX a surprise visit, only to find more XXXX puppies that had to be removed immediately and had to get them emergency vet care. XXXX has a long history of selling sick puppies, but I didn't know that until after researching them when me and my dog were sick. In addition, the XXXX XXXX Police officer thanked me because he said that I saved some of the dogs lived. In addition, the veterinarian that checked off the dogs saying that they're healthy is now under investigation with the medical board. XXXX have stressed my life selling me a sick dog that I got sick from and that I had to nurture to good health. I had to get better and we were both on antibiotics. XXXX stated that they wouldn't refund me because I didn't take the dog to the same vet they use that claim they're healthy when they're not. I didn't want to take him to that vet who lie to customers and pass a bill of health, when in reality the dogs that they sell be sickly. Please help me and I do have reports from the state, from XXXX XXXX, the vet, and the XXXX XXXX  officers. I never should've had to go through this and neither should my dog. Please help me and the others who purchase from XXXX.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Issue Summary : In XX/XX/year>, my total mortgage payment was {$XXXX}, which included {$XXXX} allocated for escrow. However, in XX/XX/year>, without any prior notification, SchoolsFirst Federal Credit Union increased my escrow payment to {$XXXX}, raising my total mortgage payment to $ XXXX difference of {$XXXX}. Unaware of this change, I continued to pay my original mortgage amount of {$XXXX} via XXXX XXXX for the next XXXX months. 

Eventually, I was notified that my mortgage payments were not being made in full. After contacting SchoolsFirst, I was informed that there had been an error in the calculation of my escrow account, which was subsequently corrected. However, SchoolsFirst failed to inform me of the adjustment in a timely manner. Consequently, my payments were inaccurately reported as late to the credit reporting agencies, despite my adherence to the original payment amount. SchoolsFirst Federal Credit
Union assured me that they would correct the erroneous " late '' payment reports with the credit bureaus. However, despite multiple follow-ups and communications, including with a representative named XXXX XXXX XXXX the necessary corrections have not been made, and my credit report remains negatively impacted. 

Violation of the Fair Credit Reporting Act ( FCRA ) : SchoolsFirst Federal Credit Union is in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have failed to fulfill their obligations under Sections 611 and 623 of the FCRA, which require accurate reporting of information to credit agencies and prompt investigation and resolution of disputes. Their negligence in addressing this matter has caused me ongoing financial harm.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (FL)

Dear, XXXX XXXX This letter is being sent to you in response to : Response to a listing on my Credit Report and your communications I received on XX/XX/year>. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX