davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

Dear CFPB, I am writing to provide additional details regarding my complaint filed against Rent Recovery Solutions LLC regarding the collection account associated with Account # : [ XXXX ]. 

Description of Events : Debt Validation Request : On [ XX/XX/XXXX ], I sent a debt validation letter to Rent Recovery Solutions LLC to seek clarification and validation of the debt. Despite the legally mandated 30-day response period, I have not received any communication from the company. 
Inaccuracies in Reporting : Discrepancies exist in the reported dates by the three major credit bureaus ( XXXX, XXXX, and XXXX ). Specifically : " Date Opened '' varies between XXXX ( XXXX  ) and XXXX XXXX XX/XX/XXXX ). 
" Last Reported '' dates differ among the bureaus ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
" Date Last Active '' shows inconsistencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Actions Taken : I diligently sent a debt validation letter to Rent Recovery Solutions LLC on [ Date of Debt Validation Letter ], seeking clarity on the debt in question. Despite this, there has been no response from the company within the legally required timeframe. 
Resolution Requested : I kindly request that the CFPB investigates this matter to ensure compliance with debt validation requirements and to address the inaccuracies in the reporting by Rent Recovery Solutions LLC. 
Please feel free to contact me if additional information is required to proceed with the investigation. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Venmo Card : My account was closed the card was removed from my Venmo profile. Because I had opted to recieve electronic statements, I can not access my statements now to see how much I owe or how much cashback I got. They sent me a text message and email to update my address but it is the same address I signed up with. I feel that they are either incompetent or wasting my time. If you already have my email, why won't you send me a link to access my statements? You can easily verify my identity via several software vendors out there.
Consumer complaint received 2023-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NV)

Wakefield account is too old. Keeps popping up on my credit. Although information about Wakefield is accurate I do not recognize. I tried disputing it directly with the company. It keeps affecting my credit. I have other priorities in life. This is a roadblock in my everyday life. Please remove Wakefield from my credit report. I been doing all I can to stay on top of my bills. Please remove out of good faith. Thanks, and god bless.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (TX)

I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form XXXX and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of XXXX and XXXX. 

As per the Internal Revenue Service regulations, I have not received the required Form XXXX, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section XX/XX/XXXX during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers. 

Attached to this letter is an Affidavit of XXXX and XXXX, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns XXXX necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.
Consumer complaint received 2023-09-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Payday Motors, Inc. (KS)

I was financing a vehicle that wouldn't get lower in payments I paid over XXXX and was told I got XXXX behind never had a issue till XXXX XXXX XXXX in office at this place the vehicles value is only XXXX in XXXX XXXX XXXX they loaned me for XXXX I feel the truck was way over priced for a unsafe vehicle.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form 1099-C and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of Fact and Truth. 

As per the Internal Revenue Service regulations, I have not received the required Form 1099-C, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, paragraph ( 6 ) ( B ) ( iii ), during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers. 

Attached to this letter is an Affidavit of Fact and Truth, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns may necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX, I am a Paypal customer with email address XXXX I have used PayPal for a while without issues but recently PayPal put my account on limitation and asked for ID, bank statement, proof of address and other things which I submitted After I submitted, PayPal told me on the secured website that they will review my information and unlock my within 1 business day, but the whole situation has taken over 13 days and PayPal has forgotten that they needed to unlock my account. 

I want PayPal to fix this issue
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX, it was a XXXX XXXX XXXX. The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX XXXX, as gospel in the industry. I believe that the XXXX XXXX model is flawed because it does not take into account situation.
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2023 I sent off a letter to Transunion asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Transunion about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and XXXX  due to me being in the process of trying to buy a house. Transunion has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

In reviewing my credit file on XX/XX/year>. I discovered an account listed as XXXX XXXX XXXX XXXX for Wells Fargo being reported as XXXX through Bankruptcy XXXX however, this account was not included in a bankruptcy. I am requesting the removal of this record for inaccurate reporting.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

I dont remember the dates I closed the wells Fargo account a couple years ago and they were constantly taking out fees from my savings and checking. I contacted about this several times. I am trying to join the Wells Fargo settlement
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Student loan accounts were frozen on XX/XX/XXXX, yet XXXX has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have 234 missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my 6 loans which would be roughly 66 missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to my credit report.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

We have had a company card thru chase for XXXX yrs. We inquired two weeks ago about promotional offer at 0 % interest. They referenced our old account was not eligible and that we had to open a new account ( the business preferred card was the only one that had a XXXX offer ). We applied ( the application was on hold until they pulled my credit ). I did it on the phone with a live XXXXep. We were approved ( for orig a XXXX limit ( I then asked XXXX take he majority of our old acct limit add it o he new card limit so we could consolidate 3 other business accounts and take advantage of what chase promised thru flyers/online emails and he rep live ( 0 % for 12 months ). I called tonight and the rep told me no promos. This is going o create a fiscal hardship along with having impacted my credit where I would never had applied if no XXXX promotion
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (GA)

Barclay 's Bank Delaware XXXX XXXX, XXXX XXXX XXXX XXXX filed continuing garnishment under court doc. This company filed the one document in a county where I do not live or work. This court doc. was filed under on county. I tried on several occasions to contact the law firm to work out a settlement on this account amount and they refused to talk. This is putting me in financial hardship by deducting a garnishment of {$320.00} from my paycheck. I am a single parent, working one day a week, and a full-time student, taking care of XXXX  kids and an XXXX parent. My health issues are declining to try to sustain my household. I want to work out a settlement and have this continuing garnishment removed from the court system.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nav Technologies, Inc. (TX)

In XX/XX/2023 I subscribed to NAV in XXXX I tried to cancel and they took me through XXXX screens that say deactivate and when I confirmed they charged me {$160.00} for the next XXXX  months. 

I tried to contact them and they say they do not do refunds but will give me XXXX of XXXX  months. I paid and used the service for XXXX months all I wanted to do was deactivate my account and now my membership is extended. If I cancel now they keep the money and I lose the service. 

I want a full refund.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

I did not give this company permission to open an account in my name using my information. I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (FL)

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 items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose