davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (RI)

Dear Spring Oaks Capital ; Synchrony Bank ; & Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and 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 promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am 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. I also 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 2024-07-23
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC (MN)

We have had nothing but trouble since our original company sold our mortgage. We ha e been late ever since. I dont understand how they get away with this. Right now they have XXXX dollars that we owe them above and beyond our house payment. Who knows how that works.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (PA)

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nun # ), has violated several of my rights. 
XXXX5 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I had and unauthorized charge on my CHIME account in the amount of {$450.00} on XX/XX/2023 at XXXX I have disputed this unauthorized charge being denied after inquiring about a late provisional credit..So I requested for all documents and measures took to resolve this error..I was promised I would receive those documents within a 10 day time period.. after submitting a rebuttal ( second dispute ) being denied a second time for the outcomeI requested documents also again for the second to get a response that I would get my dispute report documents and any information pertaining to it but I never received anything and I am being completely ignored..Can you help me pleaseThank you Hope you have a Wonderful day!
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I read from a blogger, US bank offering a XXXX $ cash bonus when you opened a new account and do direct deposit from government agency for XXXX dollars within 90 days, then you can get XXXX $ cash bonus. 
I opened the account over the phone with a bank customer service representative, I completely XXXX direct deposit requirement. I was told bonus will be credit to my account XXXX after I deposit the qualifying fund. I never received the cash bonus, I emailed their XXXX office on XX/XX/XXXX, I got a piece of mail XX/XX/XXXX, stating I am not qualified due to the direct deposit was not from government agency. I called the CEO office, was told they need another XXXX to investigate. I spoke to a representative from the Presidents office, now I was told, because I previously had a account with US bank, therefore I was not qualified, so in my opinion, US bank just has no intention to up keep the bonus, playing games, just want to find reason to deny customer. I told the representative from the XXXX office, the agent opened the account for me did not said that having a previous account would disqualify the bonus. 
He said it is the consumers responsibility to find out, now I found out, after I meet my requirements. It is not right, US bank need to deposit the XXXX $ cash bonus to my account. Please right the wrong. 

Thank you
Consumer complaint received 2023-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (IN)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- Source XXXX XXXX  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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) has started to charge {$1.00} per month for paper statements. This is in violation of of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition of Certain Fees. 

I had submitted complaint XXXX with XXXX XXXX XXXXXXXX XXXX XXXX who forwarded complaint to Synchrony and informed me that your agency is responsible. No response was received from Synchrony.

I also attached a flyer that was included with a recent paper bill.
Consumer complaint received 2024-07-09
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. (MS)

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed that there are several inquiries listed which I did not authorize. These inquiries are negatively affecting my credit score and do not reflect my consent. 
The Fair Credit Reporting Act ( FCRA ) requires that credit inquiries be made only with the consumer 's permission. The following inquiries appear on my credit report without my authorization : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX Under the FCRA, I am entitled to have these unauthorized inquiries removed from my credit report. Please investigate this matter and remove these inquiries from my credit report immediately. 
Enclosed with this letter are copies of my identification and proof of address to assist in verifying my identity. I appreciate your prompt attention to this matter and request that you provide me with confirmation of the removal of these inquiries from my credit report within 30 days. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX 15 U.S. Code $ 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in Violation Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have contacted XXXX XXXXXXXX XXXX  XXXX for debt verification they have failed to provide. I have contacted Equifax and XXXX for any form of verification they have failed to verify. Collection activities have continued after I have notified all parties in writing that the account is in dispute. I am requesting immediate removal from my credit report
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately :XX/XX/5426
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX, has violated my rights 15 USC 1881 section 602 A. States I have the right to privacy.

15 USC 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-2 ( AX1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (TX)

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected or remove : XXXX XXXX XXXX Balance Owed : {$3300.00}. XXXX  XXXX Balance Owed : {$0.00} - removed.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, 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: Early Warning Services, LLC (IL)

I have contacted Early Warning Services 3 times over the last year, and have asked for a report so i can see why my bank accounts applications keep getting denied or frozen ( ie my current account is frozen due to a report from XXXX and the bank wants the issue cleared up before unfreezing my account ) Ive called EWS submitted photo ID and they are unable to tell me anything about the freeze, while the agents are polite they always say the same thing, my report will be mailed to me in XXXX  days, or emailed within 14 days. It has never been sent and I have called 3 possibly 4 times over the last year and never get the report.
Consumer complaint received 2023-06-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Albert Corporation (CO)

I never got a loan. There was no option for not receiving a loan. I tried to use an app called Albert to get a cash advance until my payday. Not only was I denied but the moment I was denied and seen the app was messing with my banking information and account I had asked to have my account deleted and I had tried to delete the account myself so Albert the app would not still have any access to my account since I was denied. XXXX weeks later my check was supposed to hit Friday XXXX XXXX and come to find out Albert not only denied me and stole my money but it took 100 % of my {$910.00} check I have yet to get my money and I am highly distraught. I have been scammed and this is disgusting that an business is even allowed this much access after having denied me any money but somehow the same business can take 100 % of my check in which they gave me {$0.00} no money at all
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XX/XX/XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
Consumer complaint received 2024-05-07
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. (IL)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-06-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Compass Recovery Group, LLC (NY)

Compass Recovery Group called every member of my family, after they were previously asked to not contact anyone but me. From XXXX XXXX XXXX XXXX, Compass contacted both of my siblings and both of my parents. They proceeded to call my employer. They then called me on my work phone and a female manager threatened to garnish my wages and pursue legal action against me. This all happened because I was struggling financially after a car accident and could not afford the biweekly payments for a few weeks. They called me every single day, multiple times a day on multiple different phone numbers, harassing me since mid XXXX.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I recently filed a complaint with CFPB ( # XXXX ) against Vanilla Gift Card regarding XXXX {$200.00} gift card. I received an email today from CFPB that my claim has been closed due to InComm expediting a replacement card through FedEx. This statement is FALSE and fraudulent!!! Not only have I not received a replacement card but InComm does not have my mailing address so how can they FedEX me a replacement card??? This is deceptive and this company should be shut down for lying to a government entity to close a claim. I am asking that I receive my replacement card electronically ( e-gift card ) sent to my email address XXXX for {$200.00} to cover the cost of the damaged card I purchased.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (AL)

I called into Navy Federal XXXX XXXX to become a member to open a personal and business account with them. I was informed by the rep after being placed on hold that i needed to fill out a security appeal form because i had an account restriction associated with my ssn and birth date. I have never had an account with them before and this was my first time trying to open an account with them because my father is a member and has been for years. I am an identity theft victim already and have been fighting to get all of these things off of my credit due to fraud. I have filed a complaint with the FTC and now I am doing so with you all to try and rectify this. This is making it hard for me to get the things I need because someone is opening account or getting things in my name and i have no idea it is being done until I try to do something like open bank accounts or buy a car or get a home mortgage. I don't know what else to do at this point. I have put a security freeze on my info with all three credit bureaus.
Consumer complaint received 2023-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

RE : XXXX Dear Jefferson Capital : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.