davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Booked flights with XXXX, which transferred to XXXX. XXXX were booked on XXXXXXXX XXXX using Capital One MasterCard credit card. Services purchased were flights and 'cancel for any reason ' service. Total charges was {$12000.00}. 

Within 12 hours of placing the charge, it was needed to be cancelled, since a connecting flight was not available, and one infant passenger was unable to get the necessary travel documents. 

XXXX was notified and accepted the cancellation. 

Capital One was notified and reversed the charge to give XXXX 45 days to respond. XXXX credited {$6100.00} but did not credit the balance. 

According to the XXXX XXXXcancel for any reason ' policy, I should be credited 80 % of the amount charged, less the cost of this additional service. 

In dispute is the balance of {$2500.00}. 

Capital One refuses to credit this amount to my account. I have supplied all the information and documentation requested and spoken with supervisors many times. I only get back a form letter indicating that they are not crediting my account.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018, I was part of banking fraud. On that date I sold a car and I received a check for {$4500.00} from XXXX XXXX, XXXX that was deposited in my Bank XXXX America checking account # XXXX. That was the total consideration for the transaction. Additionally, arguably by mistake, the buyer deposited another check for {$15000.00}. The buyer said it was a mistake, so he called me to please if we could return the {$15000.00} since it was a mistake from his secretary. After confirming that the money was available in my checking account, I proceed to transfer from my checking account {$15000.00} dollars to the buyer. 
On monday XX/XX/2018, the checks were returned since they were out of funds. In fact, the checks, accounts and company were false, they did not exist. The wire for {$15000.00} was effective and the money was taken out from my savings account. That is a clear violation to my request and Bank of America can't withdraw money from accounts I have not authorized to do so.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-06-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (PA)

This is the 4th or 5th time Ive written regarding this. Today - XX/XX/ I received a letter in the mail from this debt collection agency for XXXX XXXX. I have repeatedly said to stop sending mail & all other forms of communication to me. You continually ignore my wishes. Consider this notice pre litigation. If you contact me or my wife again you will be before a judge & I will win. Ive had enough. DO NOT CONTACT ME OR MY WIFE AGAIN!!!!! 

Dont give me the nonsense about being obligated to send me mail. My son works in XXXX XXXX. You do NOT need send a notice when youve been told not to. These debts will never be paid. This is criminal harassment at this point. PA crimes code 18.2709. Ill file both a civil suit & a criminal suit if I receive more communication from this agency. And before you think this is an empt threat I am a XXXX XXXX XXXX. I will 100 % seek legal actions. 

Further dont call it a validation notice. Ive NEVER once requested validation of a debt. The only communication Ive had with your agency is the communication telling you to stop harassing me. 

Its not hard. STOP CONTACTING ME
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MI)

It has come to my attention that whenever funds are deposited into my account on your platform, Cash App, notifications are sent to companies to initiate charges on my card. Furthermore, despite the issuance of a new card after reporting it stolen, unauthorized individuals have managed to make charges using the previous card number. Additionally, it appears that companies continue to charge my card whenever I make a deposit. 
{$2.00} XX/XX/XXXX XXXX  {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XXXX XXXX XXXX XXXX  {$3.00} XX/XX/XXXX XXXX  {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XX/XX/XXXX XXXX  {$8.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Going back into last year. I will give rest of dates going back into XXXX upon request. 
I have reached out to Cash app several times. They do not answer phone and nothing is getting done. I am ready to take this issue further.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (WA)

A debt owed to XXXX XXXX XXXX XXXX in my name was sent to Transworld systems Inc/ for collections. The debt is in relation to an unpaid energy bill for a property in Texas. I have never lived in Texas and do not own property there. 

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 Transworld Systems Inc/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander Consumer Credit has stated that the account information on my XXXX report is correct. However it should been removed as of XX/XX/2023. I have tried to resolve this matter with both Santander Consumer Credit and XXXX.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, The information contains my XXXX Report and LexisNexis Report, the credit reporting agencies is not reporting accurate information. As I call the agencies it was stated they do not reach out to the creditor they use whats in there database to confirm from each other ( LexisNexis feeds off XXXX and XXXX Feeds off LexisNexis ). Inaccurate way of doing things and a fraudulent way to keep thing on my report. I am asking for these agencies to do a full investigation with the creditor or a full deletion. This is not ethical at all and what the agencies is doing is fraudulent Please read all information. Thanks You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen XXXX  and experian lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC (TX)

My mortgage is approximately {$13000.00} past due and I owe a five-month payment. 
Shellpoint Mortgage Services requires at least a three-month payment to bring my account within 60 days. 
I have scheduled a payment of {$8100.00} on XX/XX/2023 to bring the account within 60 days thus avoiding a foreclosure. 
I am asking Shellpoint Mortgage Services not to refer my loan to a foreclosure between now and XX/XX/2023. 
Alternatively, I can make two monthly payments right the way and one payment on XX/XX/XXXX. 
My objective is to avoid my loan going in the foreclosure. 

Shellpoint Mortgage Service is not taking two-monthly payment now plus a third payment on XX/XX/XXXX. 
Shellpoint Mortgage Company is not putting on hold sending my account to foreclosure until the scheduled three payment clear on XX/XX/2023. Then revisit the situation. 

Shellpoint Mortgage Service is keeping me nervous and hanging which is a clear malpractice.
Consumer complaint received 2024-10-28
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. (PA)

The fraudulent entries on my consumer report remain despite multiple disputes. These unauthorized items are the result of documented identity theft and were never authorized by me. Your continued reporting of this information violates federal consumer protection laws.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (IL)

Equifax failed to provide my credit score. This inaccurate reporting is concerning. I have maintained a credit score for years, yet they now show it as negative or non-existent. This misreporting not only violates my consumer rights but also has a detrimental effect on my life. I demand the immediate correction and reinstatement of my credit score
Consumer complaint received 2023-10-20
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Credence Resource Management, LLC (WA)

Today XX/XX/2023 I received a call from someone claiming I owe a debt to XXXX XXXX they said they were with credence resource management but both phone numbers provided to me did not belong to this company. The name given was XXXX XXXX and XXXX XXXX. They gave me a number to call XXXX and called from XXXX both numbers unrelated to credence resource management. He knew my address and name then said I owe XXXX XXXXXXXX dollars he then stated two phone numbers associated with the att account that I never had.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify. 

Thank you
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

I received a statement in XXXX about an overdrawn account at XXXX XXXX. I never heard of the bank prior to this. I called them and they stated it was opened online. I made them aware I sis not open it and they told me they don't have a fraud department and that I would have to write them stating it wasn't me. I sent the email XX/XX/22 stating that it was fraudulently opened with my maiden name. I kept getting statements and then a collection company called and I informed them as well. I called the credit bureaus to see if it was on my credit and explained everything so if it does I can start the dispute. I got a notice a few weeks ago that it hit my credit report. I started the disputes and XXXX shows it as valid. I did not create this account. I want this off of my report please. How is it possible to open an account online without having to upload an ID or show any proof of identity? I'm working in my credit and this will set me back. Please help.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (UT)

On XX/XX/2023, my home loan transferred from HomePoint Financial to Mr Cooper. 
During the service transfer, there was an error in the payment data. An old and invalid payment method was set as the favorite/primary. 

On XX/XX/2023 I attempted to make a payment using the online portal, the check was returned and a fee of {$20.00} was assessed due to " returned check ''. After further research within the portal and payment details, i discovered that the invalid payment method was set as the primary. This should not have happened since I have been making successful payments using the accurate details prior to the servicing transfer. 

On XX/XX/2023, i called the customer service line to request the fee be waived. The associate advised that the fee can not be waived unless it is due to fraud or a fault of the servicer. I attempted to explain the situation with the servicing transfer and the incorrect payment details being applied as part of that transfer, however the associate continued to advise that the fee will not be waived as it is not their fault. 

When asked to speak with a member of management, the associate advised there is no management available. I inquired as to if there was anyone else available to assist the individual with escalation, and the associate advised there is not, they work from home and can submit a request for management to call back within 24-48hr.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-27
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. (IL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-20
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

Barclays Bank issued an XXXX XXXX credit card. XXXX ID is XXXX for card ending in XXXX card was charged {$1200.00} for services not provided. The card was used to book a week long hotel stay in XXXX. The card was issued for XXXX which found a local hotel The hotel was unsatisfactory, unsafe, with open drug usage. We canceled the reservation after XXXX night and paid the merchant separately. We contacted Booking.com multiple times but they had, transferred the money to a foreign country. It landed in XXXX and XXXX didn't have the money to return. This is an outright theft of {$1200.00} for no services or product provided. 

Barclays Bank should have provided protection for this fraud. But they claim they were not " provided the true nature of the dispute. '' This is a lie. We discussed this with them in detail.This is a large amount of money that Barclays wants us to pay them for nothing.