davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (MD)

On XX/XX/year>, I received a NETSPEND Visa Debit card mailed to my home address, which I did not request. I am a victim of IDENTITY THEFT. I contacted NETSPEND on XX/XX/year>, requesting that they immediately cancel the card and close the established bank account with XXXX, XXXX. The NETSPEND representative said they could not cancel the fraudulent account until I provided a copy of a police report and complaint from the Consumer Financial Protection Bureau. While I had planned to file a police report and complaint with CFPB, NETSPEND should have been willing to close the fraudulent account. I am requesting your assistance with closing the fraudulent NETSPEND Visa Debit Card and account they established with XXXX in my name. 
Thank you.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

I have never received information regarding my original debt from this agency despite attempts to have it sent to my house. I only know of two accounts due to pulling my current credit report. I will not acknowledge debt unless original debt is validated through statement provided by original company, as is my right.
Consumer complaint received 2022-09-27
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. (WA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 4. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 7. The following account is not mine XXXX XXXX XXXX XXXXXXXX : XXXX Delete this account. 
8. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 9. The following personal information is incorrect XXXXXXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 10. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
11. The following account is not mine XXXX Account XXXX : XXXX Delete this account. 
12. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-02-05
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: Santander Consumer USA Holdings Inc. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SANTANDER CONSUMER USA Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (PA)

I was trying to use my ATM Santander debit card today, XX/XX/year> at XXXX  XXXX XXXX  in XXXX, XXXX  and tried twice to use it in XXXX different ATMs to get {$200.00} but both times the transactions were denied. The casino cashier said it was on the bank 's end because it said transaction denied, contact your bank. 
I called Santander Executive office and reported the issue and XXXX said there was nothing being blocked but yet I can't get my own money out of an ATM. This is totally unacceptable.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

The company Portfolio Recovery has damaged my credit with a out dated, charged off account. This debt was charged off by the original creditor. Portfolio Recovery has repeatedly called and harassed me over the phone and mail. I have disputed the accuracy of the amount and is pass the status of limitations for South Carolina.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX  account # 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One is not allowing me to complete a request to do a charge back. I dont think I have ever done a charge back but I bought a bracelet with a warranty and the company is not sending a return label to return the bracelet. 
It is not the quality promised. 
I have XXXX days to return. 
I work nights/graveyard and its very difficult for me to sit on hold for an hour to deal with Capital One. 
I sleep during the day and wake up only to eat quickly. 
This is very frustrating as the company wont assist me.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies  involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan officer requested a Pay off for the existing Shellpoint Mortgage. Upon receipt, there was an error with the payoff. The company included a {$7500.00} prepayment penalty. I contacted Shellpoint Mortgage on XX/XX/2019. I called at XXXX XXXX  and spoke with a representative who then put me on hold for 134 minutes and then the call was disconnected. I called back at XXXX and after a few minutes was transferred to a supervisor, a XXXX XXXX. I told them that I had documents that proved the prepay was for 20 % and that it expired 9 months ago. He said that Shellpoint did not have a copy of the loan documents. He said it would take at least 30 days to get them. He said he would order a copy. 

I called back on XX/XX/XXXX at approximately XXXX with a conference call with my mortgage broker in an attempt to get an update on the corrected pay off. XXXX XXXX, the representative stated that the original signed loan documents needed had not been ordered. I asked to be transferred to a supervisor and for some reason the request was denied. 

It's pretty clear that Shellpoint is not interested in servicing the loan. How can you service a loan without the loan documents? Further, the prepayment penalty was for much more than the 20 % even if it was still in effect ... more like 24 %. 

I was able to call the originator of the loan and get a copy of the signed documents in 20 minutes. 

I got the copy of the documents and called Shellpoint again to find out where they should be emailed. At that time I spoke with a XXXX XXXX, another Shellpoint representative. At that time ( XXXX ), I was told that the loan documents had been located ( magically after 2 hours ) and the prepayment had in fact expired. XXXX stated that it would take an additional 3 days to get an updated pay off but that I would receive it by Thursday. 

Additionally, Shellpoint increase my escrow impound account by {$250.00} this year with little explanation ... fortunately, I caught the increase in time so that I would not have a late pay on my credit report. I suspect that this is one of Shellpoint 's tactics for keeping mortagagees in their high interest loans. My Shellpoint loan is at 6 % interest only and my new rate is 2.5 %
Consumer complaint received 2021-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I deposited a money order for {$2400.00} and a check for {$11.00} through the Capital One Mobile App into my 360 account ending in XXXX. The following day I was notified that a hold on the funds were due to be released XX/XX/2021. Later that day I was notified by email that my account was restricted preventing me from logging into my account and call the number XXXX. I called the number to inquire to why my account was restricted and was told because of the money order {$2400.00}. The agent asked why the money order was deposited and who sent me the money order. I have had the account for 2 years and never been asked such questions. The agent asked me if I could give her the number to the person who sent me the money order. I gave her the name and phone number and she called to verify information. I have called everyday about my account and my funds being held hostage and no answers. I called the company who issued the money and was told Capital One cashed the money order on XX/XX/2021. Today is XX/XX/2021 and 2 days past the hold date. I have filed a complaint via XXXX, sent a email complaint to Capital One. I need answers and I need my money. No transaction has been suspicious or fraudulent.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/2019 i received my statement with fraudulent charges. i called to resolve the issue. At which time I was told they would handle the fraudulent charges and close my card and send me a new card. I received my new card in XXXX. I then received another statement with fraudulent charges that were transferred over from the previous account. i called multiple times between XXXX and XXXX. I kept getting transferred to the fraud department back to the costumer service department to the investigation department. At one point in XXXX the investigative department said they would look into it but was never assigned to anyone. This entire time I kept making the statement that i did not want this to affect my credit score. They said they were making corrections. My credit score was negatively impacted and my credit limit was dropped from XXXX to XXXX. I called last week and the week before each time with the person on the only line stating to give it 7 -10 business days to get resolved. At this point I feel like I am being harassed and taken advantage of. At one point i was getting daily calls from a Robo call to pay the bill. I hope that all my calls have been recorded as proof of what I am being put through. My credit score has been negatively affected and I am now having to wait to start my refinance due to the hit on my credit score. I have been treated poorly as I would have expected that by this point I would have been assigned 1 agent to take care of these issues for me. Instead I keep getting different numbers to call at a later date.
Consumer complaint received 2021-02-04
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. (MN)

I have an XXXX credit card. I tried to log in to my account via their app and online on Sunday night XX/XX/2021. It wouldnt let me log on, stating my account was closed. I called ( was on hold for 2 hrs ) and they said it was a system outage and not to worry, my account wasnt closed. However, they erroneously reported to credit agencies a derogatory closure & charge-off of {$880.00}. XXXX has not responded as to if or when this error will be fixed. Many others online are reporting similar hits to their credit reports/scores. Those with XXXX are trying to rebuild their credit, and must not be taken advantage of.
Consumer complaint received 2023-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I was a customer with Wells Fargo from XXXX. Their were issues with my home mortgage and I could never get assistance to keep me from going into Foreclosure although I submitted all the documentation they requested, it kept " getting lost ''. I ended up selling my home in XXXX. 

I also had a checking and savings account with Wells Fargo during this same time period and their were problems with the account all the time.
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union (CA)

On [ dates of transactions ], I initiated a series of transactions totaling {$2400.00} with a merchant named XXXX or XXXX, believing I was making legitimate investments. The merchant misrepresented their services, promising returns and investment opportunities that were never delivered. After realizing I had been deceived, I contacted First Tech Federal Credit Union on [ date you filed your dispute ] to dispute the charges and report the fraud. 

The specific disputed transactions are as follows : XX/XX/year> {$550.00} XX/XX/year> {$110.00} XX/XX/year> {$110.00} and {$760.00} XX/XX/year> {$750.00} XX/XX/year> {$120.00} XX/XX/year> {$20.00} First Tech initially issued me a provisional credit but later reversed it, claiming these were authorized transactions and not fraudulent. While I did authorize the transactions, they were initiated under fraudulent misrepresentation. The merchant failed to provide the promised services, and I received nothing in return for my payments, which constitutes fraud under the Electronic Fund Transfer Act ( EFTA ).

I have taken the following actions : 1. Filed a police report documenting the fraudulent activity.

2. Reported the merchant to the FTC for deceptive practices.

3. Provided evidence to First Tech, including screenshots and communications demonstrating the merchants misrepresentation.

Despite this, First Tech has closed my dispute, classifying it as a merchant issue rather than fraud, and is now requesting I repay the provisional credit. I believe this violates my consumer protections under Regulation E of the EFTA, which holds banks responsible for protecting customers from fraudulent transactions, even if technically authorized, when they were induced through misrepresentation.

What I Request : I am requesting that First Tech Federal Credit Union : 1. Reopen my dispute and classify these transactions as fraud based on the merchants deception.

2. Provide a clear investigation report, including communications with the merchant.

3. Restore the provisional credit for these fraudulent charges.

This situation has caused significant financial hardship, and I am seeking the CFPBs assistance in ensuring that my consumer rights are upheld.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In violation of 15 USC 1692a ( 7 ) Portfolio Recovery accessed my location information. Portfolio Recovery contacted I, hereinafter Consumer, on XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX   and XXXX XXXX, XXXX  without prior consent in violation of 15 USC 1692c. Portfolio Recovery caused my telephone to ring on the above afforementioned dates harrassing and abusing me with language the natural consequence of which was to abuse the hearer in connection with the collection of a debt violating 15 USC 1692d ( 2 ) ( 5 ). Portfolio Recovery used false and misleading representations in the initial communication by failing to disclose to the consumer that the communication was from a debt collector in violation of 15 USC 1692e ( 11 ).
Consumer complaint received 2021-02-04
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. (GA)

Currently I am aggravated! I have tried to be patient but it is very difficult to be patient when you feel that you are constantly being ignored by someone. I think you forget that I am the consumer according! " 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 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. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. The banking system is dependent on the fair and accuracy reporting of consumer agencies. When you fail to do your job not only does it hurt me but it also affects the banking system. The banking system makes money by lending to consumers like me. I have reached out several times complaining about the inaccurate items on my consumer report. Well I am finish complaining. I demand you remove these inaccurate items or I will seek litigation for all of the violations and for the pain you guys have caused me by ruining my reputation by reporting inaccurate items. Also I have provided evidence countless of times to prove that I am in fact a victim of XXXX  Data Breach!
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (WA)

I initiated a 10 year fixed XXXX. with BB & T. My act. was recently sold to Truist. For the final month of the loan Truist sent an incomprehensible statement with no payoff balance and inconsistencies all over. So you have to call them. I had an agent who couldn't communicate, couldn't understand what I needed, could only wander across some prepared flow sheet to give me answers to question I never asked. XXXX days later I tried again. Was told I had to request a " payoff statement '' which takes 7 days to arrive, which compromises my timely payment, and I was cautioned that the amount provided over the phone call was " not official '' until I get this payoff calculation 7 days from now via this letter, which would make it impossible to pay on time. Truist claims I can't just make my XXXX payment to the same entity and routing to which I have made every prior payment on this loan through the bill pay function of my credit union website. For this last payment specifically I was given special instructions : XXXX digit XXXX. and a XXXX act. numbers, new destination and new address where I was to send a check, along with a " mail code '' number -- XXXX -- whatever that is. Also, a " document cancellation fee '' was alluded to. Was this described in my mortgage with BB & T? A fee to make a last payment? What the XXXX? 3 hours spent on this so far and not at all sure the payment will meet Truist requirements.
Consumer complaint received 2024-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX Reporting Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Unauthoized - Delete Please XXXX Reporting Inquires : Capital One XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Unauthorized - Delete Please XXXX Report Inquires : Capital One XX/XX/XXXX Unauthorized - Delete Please