davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear sir, Regarding the letter prepared on XX/XX/year>, I have already closed the account of your company, Synchrony Bank. I have already notified the credit bureaus and sent the complaints and disputes to CFPB and the NJ office of the attorney general. Since I already closed the account of your company, Synchrony Bank, and do not have any idea and intention to re-open the account with your bank credit card, I do not think I need to initiate an investigation and flag my information in your company system. I do not know what kind of system you have ; I believe due to the nature of your company, my card was closed ; therefore, I do not want to open any account with your company. I consider that your company does not have the right to obtain my personal information since the closure of my credit card with your company was suspicious. I consider you do not have the right to ask me to provide the personal information to flag in your company system. If you dare to flag my information in your company system, you need to clarify and notify the lists of your connected companies in your system to let the customers consider the security of personal information and give them the opportunities whether it is secure to provide the information in your system or network. You do not have the right to provide the customers information in your company network or system without the consent of customers. Therefore, I decline your idea of flag. 
Since I already have the identity theft report, I enclose the copy of it. 
Sincerely,
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NCB Management Services Inc. (MI)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-08-05
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. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Applied Data Finance, LLC (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-05-04
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1992 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (KY)

CFPB Complaint Against Fair Collection & Out Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email Address : XXXX Date : XX/XX/2024 Debt Collector : Fair Collection & Out Debt Collector Address : XXXX XXXX XXXX XXXX XXXX MD XXXX Original Creditor : XXXX XXXX XXXX I am filing this complaint against Fair Collection & Out ( herein after " FCO '' ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulations. Specifically, FCO has engaged in the following unfair, deceptive, and abusive practices : Violations : 12 C.F.R. 1006.34 ( b ) ( 5 ) : FCO has violated the restriction on contacting you at inconvenient times or places. ( Provide specific details of the inconvenient times or places you were contacted, e.g., early mornings, late nights, at your workplace when contacting employees is prohibited ).

12 C.F.R. 1006.35 ( c ) ( 4 ) ( i ) : FCO has contacted you by phone more than seven ( 7 ) times in one week or within seven ( 7 ) days following a conversation about the debt. ( Provide details of the excessive call frequency ).

12 C.F.R. 1006.34 ( d ) : FCO has used harassing, oppressive, or abusive language during its communication attempts ( Provide specific examples of harassing or abusive language used by FCO ). 
15 U.S.C. 1681s-2 ( 7 ) ( A ) : FCO has made false or misleading representations about the character, amount, or legal status of the debt. ( Provide details of the alleged misrepresentation, e.g., inaccurate amount of debt claimed, threats of wage garnishment without legal basis ). 
Request for Relief : I request that the CFPB investigate these violations and take appropriate action against FCO. This may include : Ordering FCO to cease all communication regarding the debt. 
Verifying the debt and providing written validation of the amount. 
Correcting any inaccurate information reported to credit bureaus. 
Awarding damages for emotional distress and any other losses caused by FCO 's violations. 

Thank you for your time and attention to this matter. I look forward to your prompt investigation and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: OPORTUN FINANCIAL CORPORATION (NY)

On XX/XX/year>, Oportun closed my account. I was mailed a notice but was unclear on why my account was closed. Oportun has failed to provide me a statement of specific reasons and/or a disclosure of my right to a statement of specific reasons pursuant to 12 CFR 1002.9 ( a ) ( 1 ). I have a right to know why my account was closed and what proof and documentations were used to make such decisions. On XX/XX/year>, I mailed my correspondence to Oportun regarding the closing of my account, which was delivered to the front desk, reception area, or mail room at XXXXXXXX XXXX on XX/XX/year>. As of XX/XX/year>, I haven't received any correspondence from Oportun, regarding my concerns about the closing of my account. Oportun is in violation of 12 CFR 1002.9 ( a ) ( 1 ) by not providing me with a statement of specific reasons for action taken on my account and/or a disclosure of my right to obtain a statement of specific reasons within 30 days after taking action on my account. This matter has caused me financial hardship, I do hope to resolve this issue ASAP.
Consumer complaint received 2024-05-04
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. (CT)

On an XX/XX/XXXX I decided to check my XXXX report and notice some fraudulent inquiries and two collections that I try disputing that they will not remove and I have a fraud alert on my account and I wasnt notify to verify my identity they did not follow to right protocols I want it removed
Consumer complaint received 2024-06-20
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: Rapid Investments Holdings, Inc (VA)

On XX/XX/year>, my card number was fraudulently used at a XXXX ATM machine on XXXX XXXX XXXX XXXX XXXX XXXX for XXXX separate transactions in the amount of {$400.00}, {$400.00}, and {$200.00}. I did not participate in or authorize these actions and had my card physically in my presence. I filed a police report on XX/XX/year> indicating that my card was used fraudulently. The company XXXX XXXX XXXX is refusing to replace the funds as these transactions were not authorized, and I filed a police report with the XXXX Police Department. The company denied my dispute, indicating that they could not replace the unauthorized funds and that I would need to provide them footage from the ATM machine, which, as a consumer, I do not have access to. I have spoken to numerous customer service representatives who will not assist in replacing the funds, although I have filed a police report for the fraudulent transactions.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

On XX/XX/2024 I sent an express remittance from Remitly Inc. for {$1200.00}, i shortly received a message that there was a delay in the transaction and that it would be completed the following day. The following the XX/XX/XXXX the transaction was marked as completed, however when I contacted the recipient they and their bank said there was no money in the account. I contacted Remitly Inc. on the XXXX, and they said it might take 3 business days before it will show up in the account. I waited until the XXXX and the money was still not in the account. I contacted them the XXXX and XXXX and was told it he issue was sent out for investigation and I should receive a call from their investigation department in 24hrs and that a message has been sent to their banking partner and they will hear back in three business days. I contacted them the XXXX, and was told the issue is still under investigation and that they have still not heard back from their banking partner and thats they will contact me in 24 hours. At this point it is now almost 3 weeks I dont know where my money is their recipient nor the bank has not received it in the account. I just want my {$1200.00} refunded so I can find other methods to send it the the receiver.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-09
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. (KY)

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that i refuse to pay this debt. Rather, I would like dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that i am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting and invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. Im sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. If you do not any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distrubuting them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 

XXXX XXXX XXXX Account # XXXX Balance {$6700.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$2100.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$170.00}
Consumer complaint received 2024-06-19
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: NCB Management Services Inc. (AR)

I have attempted to connect with NCB Management Services , INC in regard to a tradeline posted on my consumer file. On XXXX XXXX I sent NCB a cease-and-desist letter requesting to remove this tradeline from my consumer file and NCB refuses. While doing my due diligence I discovered that NCB poses as a collection company but is not licensed or bonded in the state of Arkansas. This is illegal. These are my final attempts to handle this matter outside of court. Please have this company remove this tradeline from my consumer file.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PR)

I have a consumer checking account with Wells Fargo Bank. I supposedly have preferred customer status with this bank. 

On or about XX/XX/2019, Wells Fargo ERRANTLY initiated an online ACH debit ( withdrawal ) from my XXXX XXXX XXXX XXXX account in the amount of {$10000.00}, and that money was credited to my Wells Fargo. 

Then on or about XX/XX/2019, Wells Fargo then reversed this transaction and attempted to send the {$10000.00} back to XXXX XXXX XXXX XXXX. However, the money was NEVER received by XXXX XXXX. But, my Wells Fargo was debited the {$10000.00} and that withdrawal put me into a severe deficit. This forced me to borrow funds to cover the debit which Wells Fargo had created. I had expected Wells Fargo to recognize the error and correct the matter, but they failed to do so. 

As a result, I have contacted Wells Fargo by telephone on multiple occasions ( 4 times ), filed two ( 2 ) formal claims, and visited their branch offices to attempt to trace and recover my missing money. My money has been missing now for over 60 days, and Wells Fargo has failed to identify or resolve the problem, failed to properly communicate with me any investigative results, and have NOT provisionally or permanently credit back my {$10000.00}. I have now filed two ( 2 ) separate formal claims with Wells Fargo, and my claims are being ignored without resolution. 

My direct losses in this matter now include : a ) {$10000.00} in missing funds ; b ) interest payments for borrowed money to cover the short fall ( estimated at {$150.00} ), at least 6 hours of my working time ( 6 hours x {$200.00} ) ; and NSF fees from XXXX XXXX of {$25.00}. 

I have patiently waited for more than 45 days for Wells Fargo to resolve this problem, and they have utterly failed on every count. 

I am left no other choice but to file a claim with the CFPB, and I will subsequently sue Wells Fargo for recovery of my funds, lost time, interest and bank fees.