davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (AZ)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (MD)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX XXXX Account Name : XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, : Public Record XXXX XXXX XXXX Bankruptcy # 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 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.
Consumer complaint received 2024-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (MD)

A debt was attempted to be collected, and a validation notice was requested on XX/XX/XXXX. The notice was not received until XX/XX/XXXX. The debt was marked as " unpaid tuition '' but when collecting information about the debt, I discovered it was medical debt for a vaccination. When this information was disclosed to the debt collector, no attempt was made to reclassify the debt correctly, which in turn changes legal guidelines about collecting that type of debt.
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I had accidentally made a double payment on my Lowes credit card and when I contacted customer service they only option for refunding my payment would be accepting a paper check to be mailed to me after the payment showed posted for 7 business days. My first issue is getting a paper check.. if a company is able to accept electronic payments they should be able to refund them to the same channel. They claim its more secure for a paper check but then the consumer is at risk for someone stealing mail, the post office losing the check etc.. also to some making a double payment and waiting may not be a big deal but for others it means not being able to get groceries or paying another bill that is due.. clearly on their end they see both payments posted and not returned for insufficient funds but yet I still have to wait? When I requested the paper check to be expedited then they wanted me to provide proof from my bank account that the payments both came out and also to FAX it.. again, with this day and age, nothing is done via fax and paper snail mail.. I am at a loss as to why a large credit card company can not accommodate a request to refund a double payment in a more timely effective manor in todays world. It is extremely inconvenient to the consumer when I have already held up my end of the deal by making my payment but they want to hold on to my money as long as possible. There has to be a federal regulation on how this works but was unable to locate one. Please help!
Consumer complaint received 2024-01-15
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. (NC)

THIS IS MY LAST ATTEMPT TO REQUEST PROOF OF DOCUMENTS ACCORDING TO 15 U.S.C 1681g. EVERY TIME I REQUEST DOCUMENTS THEY COME BACK WITHOUT PROOF AND STATES THAT THE ACCOUNTS ARE VERIFIED. 

Under FCRA 15 U.S.C 1681i all UNVERIFIED ACCOUNTS MUST BE PROMPTLY DELETED. 
Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my report ti 3rd parties is damaging my reputation and credit worthiness.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION (CO)

Discussed getting a loan with Amerisave mortgage on XX/XX/15 and paid a {$500.00} lock fee and {$43.00} credit report fee to get a loan of {$420000.00} with a cash out refinance of {$110000.00} with a lock fee of 3.502 % for points. Lender indicated i was pre-approved. I then have provided all documents they requested 2-3 times. Suddenly 5 days later they send a second closing disclosure for a loan of {$390000.00} with {$57000.00} cash out with 3.901 % for points. I have attempted to contact them since the XXXX ( 7 days ), had received a call on the XXXX and they said they would look into it and contact me on the XXXX. I have not heard back from them so I called and emailed again and have had zero communication from them since the XXXX ( except to request copies of my tax returns AGAIN ). The bait and switch they presented me along with the lack of communication leads me to writing this report. At this point they have stolen my money, misrepresented the loan terms completely and I never would have paid the lock fee or attempted to do business with them for the second closing disclosure amounts.
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (TX)

As I knew it would be, in a futile effort to resolve the issue I previously complained about, I contacted them again on XX/XX/2024, @ XXXX, CST. The first call was on hold for XXXX, XXXX before it was disconnected by them. I called back @ XXXX, finally reaching XXXX after pressing '0 ', which by the way, WAS NOT listed as an option to reach a live CSR! I explained why I was calling and read part of the response I rec 'd regarding the last complaint. ( I am unable to add funds using my bank account because I can't add my bank debit card to Bluebird, as it was previously ) Their letter stated : We understand your concerns about the status of your account. In order for you to be able add funds to your Bluebird by American Express account using the debit card that you referenced in your correspondence, you must contact us to perform a 3-way bank verification with your bank. Please call us during your banks business hours for us to assist you further. You may reach us at XXXX. 

XXXX seemed clueless as to what I read meant and ultimately after placing me on hold many times, told me the only way for me to add funds to my card would be to go to a physical location because of 'suspected fraud ' on my account. Excuse my XXXX but is total XXXX! There was/is no fraud and I voiced that! This is all a ruse to make my use of this card as inconvenient as possible because they think I will go buy their new fee-based card! I ultimately wasted XXXX in another unless and conversation with them yet again!
Consumer complaint received 2023-02-11
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. (NC)

On XX/XX/2022 I sent my first certified letter to Equifax stating there were errors reporting on my credit report. On XX/XX/2022 I sent a follow up certified letter requesting validation. There are three accounts from the collection agency named XXXX XXXX XXXXXXXX XXXX on my credit report. Two of the accounts has the same account number and amount XXXX {$170.00} XXXX {$170.00} XXXX {$340.00} Equifax is reporting inaccurate information and Id like the accounts deleted from my credit report.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violations by PORTFOLIO RECOV ASSOC. Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against PORTFOLIO RECOV ASSOC . for alleged debt purportedly owed to PORTFOLIO RECOV ASSOC., with account number XXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, PORTFOLIO RECOV ASSOC. has failed to provide any validation information regarding the alleged debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with PORTFOLIO RECOV ASSOC. before it was placed on my consumer report.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, PORTFOLIO RECOV ASSOC. has violated these regulations. 

Furthermore, I believe that PORTFOLIO RECOV ASSOC. has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against PORTFOLIO RECOV ASSOC. for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX  with account number XXXXXXXX XXXX XXXX with account number XXXX, XXXX  XXXX  with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Consumer complaint received 2018-11-22
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2024-03-25
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. (MD)

Late payment reporting In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Unauthorized Inquiries I have noticed unauthorized inquiries on my credit report and would like it removed. According to the FCRA, this unverified and unauthorized item must be removed. I would not like to have a freeze on my account it is not necessary I will freeze my accounts myself.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I am writing to file a formal complaint against Venmo 's credit card services, which are backed by Synchrony Bank. As a consumer who regularly utilizes the Venmo Visa card for managing periodic bills and financial transactions, I have encountered a distressing issue that warrants the attention of the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2024, I made a payment of approximately {$1400.00} towards my Venmo Visa card balance, intending to clear the entire outstanding amount. Instead of promptly processing this payment, Synchrony Bank placed a hold on my available credit equivalent to the full payment amount. Consequently, I found myself unable to utilize the credit card for subsequent transactions, despite having cleared the outstanding balance. 

Upon contacting Synchrony Bank through their secure messaging service to seek clarification and request the release of the hold, I received a generic response devoid of any specific explanation regarding the reason for the hold. Despite my follow-up inquiries and the clearance of the payment from my checking account, I was met with the same boilerplate response, coupled with the alarming assertion that there is no defined criteria for placing such holds. This lack of transparency and clarity regarding their policies and actions has left me in a state of financial uncertainty, as I am unable to predict or prevent similar occurrences in the future.

It is deeply concerning that Synchrony Bank, as the issuer of the Venmo credit card, has instituted opaque rules and practices that impede consumers ' access to their own funds without adequate explanation or recourse. As a responsible cardholder who promptly pays off balances and utilizes the service in good faith, I am dismayed by the arbitrary hold placed on my available credit, which has disrupted my financial management and undermined the utility of the Venmo Visa card. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Synchrony Bank to provide transparent and accountable practices regarding the imposition of holds on credit card accounts. Consumers deserve clarity, fairness, and respect in their financial dealings, and it is imperative that regulatory authorities intervene to safeguard their interests and ensure compliance with consumer protection standards. 

I would appreciate your prompt attention to this matter and request updates on the progress of your investigation. Thank you for your consideration and assistance in resolving this issue.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

About a year ago, XXXXXXXX XXXX  declined my application for a XXXX. They disclosed they used information from LexisNexis/XXXX. When I requested the my consumer report from this consumer reporting agency, I found numerous entries with wrong or inaccurate information such records of another person 's name and address, emails, I have never used ; phone numbers I have never had. I have filed more about three disputes to remove this incorrect/inaccurate information. Each time the updated report returns with the same information ; no deletions. The only deletion that was made was an old bankruptcy filing that was still on my consumer report beyond the 7 year deadline for deletion of a XXXX XXXX Bankruptcy. It took me to file a dispute twice before it was deleted. 
This consumer reporting agency has more than 50 pages for each of their reports. So far, I have disputed content in my California consumer report because it is shorter. The problem with disputing with this agency is there is no written form to complete to file a dispute. You have to orally file your dispute line by line with a representative in real time over the phone. This can be tedious and quite frankly, I do not feel that he or she is effectively making note of the stated disputes, which is why I believe the records are unchanged or remains on the file. On XX/XX/23, XXXX XXXX called me to verify my address on file with them because they received a notice from XXXX that my address had changed. When in actuality, XXXX was trying to verify an old address in my file. This not the way to address a consumer 's dispute of their file.
Consumer complaint received 2024-03-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

Navient has violated me under The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 through harassment and abuse, coercion, and defaming my character by repeated phone calls and mail correspondence from XX/XX/XXXX to XX/XX/XXXX to collect this alleged debt. Navient has sent me correspondence by mail using obscene and abusive language through coercion demanding I pay this alleged debt or threatening to sue me. I have submitted a Notice of Dispute for verification of this alleged debt and my remedy to resolve this dispute but have not received the verification or remedy. Navient is in violation of 15 USC 1692a ( 6 ), 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692e ( 2 ) ( A ), 15 USC d ( 1 ), and 15 USC 1692j ( a ).
Consumer complaint received 2023-09-16
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. (MD)

The following inquiries are fraudulent on my report : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX