davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2024, in response to a document request from XXXX. XXXX from XXXX Venmo, I uploaded a copy of my unexpired government-issued photo ID and copies of bank statements for my personal checking accounts at XXXX XXXX  and XXXX XXXX. 

Afterwards, my Venmo account was unfrozen, and I was able to add the above bank accounts as payment methods. 

However, as of XX/XX/2024 I am still unable to add money from either payment method. The only error message I receive is the uninformative " Something went wrong. '' The only explanation Venmo gives is the following : " Weve noticed some unusual activity linked to your Venmo account which may be in violation of our user agreement. '' Venmo 's explanation is implausible because the only activity linked to my Venmo account is me trying to add {$500.00} to my Venmo balance using my Venmo-verified bank accounts.

This is my second CFPB complaint within one month against Venmo for not allowing me to add money from Venmo-verified bank accounts, even after I have complied with Venmo 's document request by providing a copy of my valid government-issued photo ID and copies of my bank statements for Venmo-verified bank accounts. 

I am requesting that CFPB publish this description of my complaint against Venmo so that others can learn from my experience.
Consumer complaint received 2024-08-16
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (UT)

Almost a year ago we applied for a modification because our mortgage payments were raised and were given the run around the whole time. We provided everything they asked for. Then in XX/XX/year> we had a phone call with the lender and that is when we were given the information that they were foreclosing. We asked for other options available and they gave us none. They have never been willing to help with exploring all or any other options. On multiple occasions we requested a payoff amount to attempt a resolution. We also asked for the original promisary note about three weeks prior to the auction. They have never supplied us with either. And now they are charging us an astronomical amount in fees. When they auctioned our home, they did not post the sale in the paper either. We started filing for bankruptcy however the attorney we were going through did not follow through and keep in contact. So we attempted to file on our own.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit management is a collection agency and is reported on my credit report. I advised them that I do not owe this debt and to remove the collection from my credit report. Because I do not owe this debt, I requested validation required by the Fair Debt Collection Practices ( FDCPA ) via certified mail ( tracking : XXXX ) that was delivered on XX/XX/2024. The validation I requested is : Proof of my contract to pay the original creditor, A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; For all other charges, the date of and the basis for each charge and Copy of original contract bearing my signature. 

The collection did not fulfill the validation within 30 days and they did not send the requested documents. They only sent XXXX bills from the original creditor and transaction of fees they are charging me. Additionally, the date on those documents are XX/XX/2024 ( over 60 days of my request ). Also XXXX XXXX magistrate court sent me a dismissal of garnishment for this collection ( photos attached )
Consumer complaint received 2024-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

In XX/XX/XXXX I applied for a HELOC through XXXX and was funded around XX/XX/XXXX. 

I made several payments to Lower.com and my final balance was around {$29000.00}. 

In XX/XX/XXXX, I believe my loan was sold to Shellpoint Mortgage. I found out when Shellpoint sent me a statement on XX/XX/XXXX and informed me of the transfer. Then they sent me a statement showing a monthly amount due of $ XXXX. 

This amount is far greater than the terms I agreed to with XXXX and I called Shellpoint immediately in XX/XX/XXXX. They opened a case. 

I've been calling and emailing them every week since then and it's still not resolved. Since I didn't want to have a negative credit rating I paid them the $ XXXX for the first statement, so now I owe around $ XXXX. 

There is no way that I can pay another $ XXXX and I've been asking for help to fix my loan terms. So far, nobody has been able to help and my case is still open. One loan officer at Shellpoint blamed their system, saying they have to process over XXXX new loans. Honestly, that's not my problem. Why would Shellpoint take on more loans that they can't process? I went back to Lower.com by emailing their loan officer to assist because now I'm desperate for help. She said she'll reach out to XXXX XXXX on my behalf. 

So far, nothing has changed with Shellpoint Mortgage and I'm told I have to make another payment on XX/XX/XXXX. Today is XX/XX/XXXX. Please help me. Please have Shellpoint correct the terms of my HELOC loan and send me the correct amount due on a new monthly statement. Thank you.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

Received a call from a gentleman identifying himself with Citibank. Advised me that they had received an application for a credit card in my name and last 4 of my social. Gentleman inquired as to whether I had applied for a credit card lately to which I said no. He advised my social security number might be at risk, but before we could go further I ended the call. The phone number is XXXX rom XXXX, SC.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ascendium Education Group (NV)

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK (CO)

I was charged a low account balance charge of {$12.00} on three occassions for having under XXXX XXXXXXXX in my account. I was not notified of the low balance charge or warned about the low balance. If I was notified I would have corrected the issue the first time. Upon complaining to XXXXFirstBank they refunded one of the three, upon escalation they refunded a second one. But have not refunded the third.
Consumer complaint received 2024-08-16
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: Loom Capital, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (AR)

So this is the third time dealing with these people... I do not know these people. They have not provided me with an original contract signed by me. They have not provided any proof proving this said debt is mine. This keeps getting deleted then re-reported by these people basically harassing me now. Put on my credit report that the person can not be found, yet placing it on my credit for a person who can not be found. I mean stating a person can not be found and I have been communicating with these people, it's not rocket science. If this happens again my attorney will be involved... tre kitchens will be contacting them next time this happens.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681 Sec 602, states I have the right to privacy. 15USC 1681 sec 604a, sec 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC, 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-12
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Firstsource Business Process Services, LLC (GA)

**Consumer Financial Protection Bureau** XXXX, GA XX/XX/year> **Re : Complaint Regarding Debt Validation - Firstsource Advantage, LLC** Dear CFPB, I am writing to formally request your assistance in resolving an issue concerning an inaccurate debt being reported on my credit report by Firstsource Advantage , LLC .

**Background and Details : ** - **Company Involved : ** Firstsource Advantage , LLC - **Account Reference Number : ** XXXX On XXXX, I received a notice from Firstsource Advantage , LLC regarding a debt that they claim I owe. I have serious concerns regarding the validity of this debt and, as such, I sent a formal debt validation request to Firstsource Advantage , LLC on [ insert date of original request ]. In my letter, I requested the following information : 1. **Assignment Contract : ** Documentation showing that Firstsource Advantage , LLC is authorized to collect this debt on behalf of the original creditor, including the name and address of the original creditor.

2. **Verification of Debt : ** A copy of the original debt agreement, or any other documents that prove the validity and ownership of the debt.

Despite my request, Firstsource Advantage , LLC has failed to provide the requested documentation within the 30-day period as required by the Fair Debt Collection Practices Act ( FDCPA ). Instead, they continue to report this unverified debt to the credit bureaus, which is adversely affecting my credit report. 

**Actions Taken : ** - On XXXX ], I mailed a debt validation request to Firstsource Advantage , LLC XXXX asking them to provide the necessary documentation. 
- To date, I have not received the requested information, nor have they ceased their collection activities, including the reporting of this debt to the credit bureaus.

**Request for Resolution : ** Given the company 's failure to validate the debt as required by law, I am requesting the removal of this inaccurate information from my credit report. I ask that the CFPB intervene to ensure that Firstsource Advantage , LLC complies with the FDCPA by either providing the requested validation or ceasing all collection and reporting activities related to this account.

I would appreciate your prompt assistance in this matter, as the continued presence of this unverified debt on my credit report is causing significant financial harm.

Thank you for your attention to this issue. I look forward to your response. 

Sincerely, XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at Diversified Adjust XXXX on XX/XX/XXXX under the account number XXXX with a remaining balance of {$130.00}, and XXXX other collection accounts at XXXX XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$990.00} and the other XXXX on XX/XX/XXXX with a balance of {$890.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I want to mention that I forgot to attach the 3 credit bureau credit reports on my other complaint and I also labeled it telecommunications which was wrong, it was meant to be credit card as this one is the telecommunications. I apologize. I made sure to upload everything here so you have it.
Consumer complaint received 2024-07-12
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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 an 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 any purpose.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PIN OAK PARK XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/XXXX I submitted a {$400.00} payment to my Capital One Quicksilver account mistakenly from my Capital One savings account which had no funds in it, hence was rejected. On XX/XX/XXXX I was notified I had made that error and submitted another payment for {$400.00} from my CO checking account. That {$400.00} was debited from the checking account on XX/XX/XXXX. I received another notice that payment was being returned due to insufficient funds so I made another {$400.00} payment on XX/XX/XXXX. The payment made on the XXXX was not ever returned to my bank account. After waiting nearly two weeks I called CO banking services to report the missing payment that left the account, was not applied to the credit card and had not been returned. I could not understand the agent I spoke with and she filed the issue as a dispute rather than a missing payment. Capital One then debited via reversal on my credit card {$400.00} to put {$400.00} back into the bank account on XX/XX/XXXX. I called again and informed them of the error and that I had not received back the {$400.00} payment nor was it applied to the credit card account on XX/XX/XXXX and they did the same thing again but this time with the {$400.00} payment made on XX/XX/XXXX, debiting via reversal the credit card and applying {$400.00} to the bank account. I have had numerous three party phone calls with CO credit card services and CO banking and after the banking side has confirmed {$400.00} left the account and was not returned and with CO credit card services confirming twice {$400.00} was debited to the account with the final conclusion even after both sides claim to see the error that the payments were returned because of them reversing those two payments twice which doesn't account for the {$400.00} that went missing to begin with. I've been told numerous times it would be investigated and to wait 30 days for a response which I've never gotten, I've called back and get the same circular agreement then argument which has taken hours each time I have tried to resolve this with them. I have filed a complaint with the XXXX  it's been over 6 weeks and have not heard anything back from them yet. This issue has created a domino effect with my other accounts and caused my credit score to take a dive. I am deeply disappointed in the lack of professionalism, gaslighting and patronizing attitudes of CO employees as if I don't understand how transactions work. This situation has been very distressing on top of creating financial harm for me.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

need copy of my purchase XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} total XX/XX/XXXX or around that time and 3yr warrant care pack, ae informs me they dont keep copies and i dont have a computer to get it off line the following were XXXX XXXX XXXX purchase but has amer exp logo IS ON CARD AE adv if loss or stolen damage AE WILL REPLACE OR RFEFUN ITEMS XX/XX/XXXX brought items that has ae logo on it XXXX XXXX XXXX items where lost when my girl move, ring, {$990.00}, hair products {$520.00} NO RESPONSE FROM AMER EXP ON THESES ALSO XXXX XXXX XXXX IS BILLING FOR ANN FEE WHEN I DID NOT USE THE CARD SO I WANT THEM TO REMOVE THIS FEE AS CARD WAS NOT USE AS OF DATE