davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am filing a complaint against Portfolio Recovery Associates for continued debt collection harassment when I am not the person they seek.

For the past three years or more, I have been receiving calls from Portfolio Recovery at least once or twice daily. Despite informing a representative a few years ago that they have the wrong number, wrong person, the calls have persisted. 

These calls are not only disruptive to my personal life but also cause significant professional concern. As a leader/manager at my company, having " Portfolio Recovery '' appear on my XXXX XXXX and XXXX screen undermines my credibility with my team. 

Furthermore, the relentless nature of these calls, despite being informed I am not the intended recipient, constitutes harassment. I am not the individual they are seeking, and I urge the CFPB to investigate these practices by Portfolio Recovery Associates. 

I request your assistance in stopping these calls and ensuring they do not continue in the future.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Last fall I purchased a plane ticket for my son XXXX XXXX from XXXX, North Dakota to XXXX XXXX XXXX, Utah for travel dates of XX/XX/XXXX to XX/XX/XXXX. The XXXX ticket was purchased through Capital One Travel with Capital One Venture points ( XXXX ). Unfortunately, the outbound flight was canceled due to sever weather conditions. 
I immediately reached out to the Capital One Travel office to receive a credit for the canceled flight. Prior to the travel dates, I had canceled my account with Capital One Venture Card. It took 2 months of calling and staying on the phone for several hours and talking with Supervisors to figure out how to return the cash value of the XXXX points. The cash value of XXXX is {$560.00}. However, according to the XXXX receipt ( I have the form from XXXX ) the round trip flight was worth {$470.00} This is the amount that was returned to Capital One Travel. 
Finally, Capital One Venture issued a travel refund credit for {$280.00} ( I have the credit card statement ). Obviously, Capital One had made a profit of {$190.00} at my expense. I am requesting the remainder of the refund ( {$190.00} ). I feel that I am entitled to to the entire refund that Capital One received back from XXXX and also I worked hard to accumulate that many points and buy my plane ticket. I should not be penalized because the flight was canceled due to severe weather. I would like them to credit my account number that ends in XXXX for {$190.00}. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (NC)

My checking account was set up to make automatic mid-monthly payments to my XXXX in the amount of {$400.00}. For years this went off without a hitch, but on XX/XX/year>, PenFed erroneously made XXXX such transfers from my account instead of the one they were supposed to make. At the same time, there were issues with their web site making it impossible for the customer to view which transactions, if any, were pending. 

Shortly after the XXXX erroneous transfers were made, I contacted PenFed to alert them to the error and to ensure all future unwanted transfers would be halted. I did *not* ask them to reverse the XXXX erroneous {$400.00} transactions, planning instead to deduct {$800.00} from my next child support payment, but was told at the end of the call that the XXXX erroneous transactions would in fact be reversed. I later received a partial banking statement from my XXXX confirming that the multiple {$400.00} transactions had indeed posted to her account on XX/XX/XXXX, and XXXX of them had been returned to PenFed on XX/XX/XXXX. However, that returned {$800.00} was never credited back to my account, despite my having repeatedly contacted PenFed about the problem. As of today, XX/XX/year>, my PenFed checking account should have a positive balance of about {$260.00}, but is instead. overdrawn by {$540.00}
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc. (GA)

I have been unemployed for 14 months. I called and asked for a deferment but they did not honor it. I told them I was going to a mental health treatment facility for the stress I have been having but they keep calling and writing and sending threatening emails.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (OH)

Citi Bank is telling me that they report. It is in the contract that they report to all three credit bureaus and they have for 20 years with my card. They then told 2 of the three bureaus that my card was canceled but still report to XXXX. Ive been calling them for 6 months now. They say they are reporting to all 3, but XXXX is saying they are not. Ive been back and forth with both Citi Bank and XXXX telling me its not their fault. Citi bank is very secretive about who reports for them or how to get this issue fixed. XXXX refuses to look into it at all, they say if the bank reports they show it. There is a problem and neither side will address it! This card is my oldest highest limit card and its creating a XXXX points negative impact on my score.
Consumer complaint received 2024-09-02
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. (NY)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-07-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( XXXX ). ( XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( Gearing v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG HOLDINGS INC (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX is an XXXX XXXX that i used in the past, I cancel there service and they advise me to send them there equipment back whice i did. XXXX month later they send me to collection.WHY if i did send them back there eqipment.
Consumer complaint received 2024-07-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

I bought XXXX separate gift cards of XXXX XXXX store at a big chain retailer on XX/XX/year> and on XXXX and when I tried to redeem I was unable to and it requested for me to turn in some information pictures of the card and receipts which I did in about a week later I I turned information and then as requested and I received a response saying they couldn't help me because of some thing to do with my account and wouldn't give me no recourse to fix it or anything
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IA)

I keep getting a letter bills and phone calls from the debt collectors over a CITIBANK credit card charges I dont know anything about, I was told am owing {$5000.00} from the last letter they sent on the XXXX of XX/XX/year>.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/24 my Bank of America credit card was charged {$930.00} at online retailer Back XXXX. I did not place charge. When I noticed it, I called BoA to report a fraud charge. They opened an investigation. They learned that the purchaser had my name, address, billing and shipping address, CCV number. BoA closed my claim saying that it had been delivered to me. In the documents they sent to me, there is a copy of the FedEx shipping information. It says that in the shipping process the item was rerouted to XXXX XXXX XXXX XXXX, XXXX XXXX. That is not, nor has it ever been as address associated with me or anyone I know. On XX/XX/24 I recieved a letter from XXXX XXXX XXXX saying that my information ( name, address, credit information ) had been compromised. I called BoA again to reopen my claim with this new information. It was rapidly closed, even before I could submit the information. Again, I called to reopen it. After several times of being transferred to various people, in various departments and endless hours on hold, and after reopening the claim several times, they changed it to a billing dispute. It has been over 30 days and I received no information on this. Once again, I called the company where the goods were purchased. They informed me that the claim would be going in there favor as they shipped goods to my address. The fact that I didn't receive them, did not matter. After many dealings with BoA they told me that I should be investigating this further and that I should be filing reports for the fraud to be investigated.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attention : Consumer Complaint Division XX/XX/XXXXXXXX, IA XXXX Subject : Complaint Against Complete Credit Solution for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to file a formal complaint against Complete Credit Solution for their continual violations of consumer protection laws as outlined under the Consumer Financial Protection Bureau ( CFPB ) regulationhe specific violations are as follows : 1. **Lack of Validation Information Provided** : According to 12 CFR 1006.34 ( b ) ( 5 ), Complete Credit Solution has failed to provide the required validation information after placing a collection on my consumer report. As per this regulation, I am entitled to receive information about the debt they are attempting to collect, yet this has not been furnished. 

2. **No Opportunity to Dispute Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given an opportunity to dispute the account. Complete Credit Solution has not provided me with this opportunity, infringing upon my right to contest the validity of the debt.

3. **Deceptive Practices** : The agency has been using false, misleading, and deceptive means in their operations, violating my consumer rights. The abusive practices employed by Complete Credit Solution contravene the guidelines set forth to protect consumers from such undue harassment and misinformation.

4. **Unauthorized Furnishing of Information to Consumer Reporting Agencies** : As per 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) ( A ), Complete Credit Solution has no authority to furnish any account information to consumer reporting agencies without providing all the legally required disclosures. Their non-compliance with this regulation has caused adverse effects on my credit report. 

I am requesting the CFPB to rigorously investigate these violations and take all necessary measures to ensure Complete Credit Solution complies with all applicable consumer protection laws. The unlawful actions of this collection agency have recklessly endangered my financial status and personal peace of mind. 

Please acknowledge receipt of this complaint and keep me informed about the progress of this investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd (MD)

I used a multi-currency account to receive financial support from relatives and friends abroad. On XX/XX/year>, my account was deactivated. At that time, my balance totaled about XXXX XXXX USD ( XXXX USD, XXXX EUR and XXXX GBP ). I needed this money because I need XXXX XXXX. I am a XXXX  from XXXX, because my city was destroyed by XXXX shelling. These are all my savings for life and without them I will die. I already have nothing to pay rent with because I cant work due to my XXXX. On XX/XX/year> I submitted a withdrawal request, but Wise sent me a letter informing me that they had decided not to return the funds that were in my account and did not provide reasons for this decision.
Consumer complaint received 2024-06-29
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. (LA)

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXXXXXX XXXX  Account Number : XXXX  and list of Inquiries.

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 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account : XXXX Account Name : XXXX XXXX  Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Mercury Technologies, Inc. (CA)

Mercury XXXX provides no phone number for customer support assistance for any of its financial products.

My credit card that they issued is getting declined for routine transactions, no help.

If I experience banking fraud and someone accesses my account, there is no phone number for me to contact. 

If I get locked out of my account, there is no way to contact the company because their support tickets require you to be logged in.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check to chase for approximately {$96000.00} from XXXX. Chase has been holding my funds for 6 MONTHS NOW!!! This is theft. XXXX already verified this check. Chase is not releasing this check until they call a verified XXXX number which they do not have apparently. I've tried everything now and called chase and XXXX over 100 times. Chase has the money and they refuse to release it. This should be illegal. This is life changing money for me and my family. Please help.