davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (LA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX L XXXX XXXX XXXX XXXX XXXX 
XXXXXX/XX/XXXXXXXX Account # [ XXXX ] XX/XX/year> Dear CFPB, I am writing to file a complaint against XXXX XXXX for violating my consumer rights. 
I allege that XXXX XXXX has : Failed to provide validation information as required by 15 USC 1681i ( a ), specifically 12 CFR 1006.33 ( b ) ( 5 ).

Placed a collection account on my consumer report with
out providing me the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Engaged in false, misleading, and deceptive practices in their collection efforts.

Furnished information to consumer reporting agencies without providing required disclosures as required by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). 
Continued to attempt collection of a debt beyond the statute of limitations for the state of XX/XX/XXXX 
I am disputing the entire debt owed to XXXX XXXX and revoking their authorization to communicate with me via email, text, or phone. I am requesting the original purchase agreement between XXXX XXXX and the original creditor, as wel as proof of XXXX XXXX licensing and bonding. 

XXXX XXXX XXXX im requesting the purchase agreement the original documentations I am requesting that the CFPB investigate these allegations and take appropriate action against XXXX XXXX. I am enclosing copies of supporting documentation for your review. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-01
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. (CA)

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.

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 2024-06-27
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. (NY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2024-07-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC (CT)

To Whom It May Concern- After speaking with Connecticut XXXX XXXX XXXX XXXX regarding a potentially fraudulent reverse mortgage, he suggested that I file a complaint directly with the CFPB. 

My parents, XXXX and XXXX XXXX are now deceased. It appears that my parents took a reverse mortgage on their primary residence at XXXX XXXX XXXX, XXXX, Ct XXXX in XXXX unbeknownst to me. They were both already quite elderly and in ill health and my XXXX passed early XXXX. I dont believe they had the required counseling nor did they have the required 50 % equity in their home. Im having a hard time seeing how this loan would have been approved. It appears that their first mortgage of approx {$300000.00} was paid off and some notes I uncovered indicate a {$69000.00} check issued. The appraised value at that time was {$520000.00}. I have found no evidence of any other financial benefit of this transaction, nor can I find any signed documents. In addition, my sister ( who has the same name as my mother ) was living with her at the time and her actions have proved to be fairly nefarious over the years. 

My wish is to keep our family home as I have lived here since XXXX with my husband and son, but this entire process has been very stressful and confusing. HUD recently had the house appraised at {$670000.00} and the only statement I received prior to my mother 's passing ( XX/XX/XXXX ) indicated loan balance well over {$700000.00}. How can that possibly be? 

Ive made several attempts to retrieve original paperwork from the bank as I have none in my possession. My calls and emails go unanswered and they have not been very forthcoming with information. This loan seems to have been serviced by several providers over the past. Currently, it is being handled by XXXX XXXX at XXXX. I was told that HUD is paying the property taxes from the XXXX XXXX XXXX but I received a letter today requesting the homeowner 's insurance renewal due in XXXX. 

We are hoping with your help, to access all of the paperwork as well as any counseling received to determine exactly what transpired and state of both their physical and mental health and to determine the path forward to keep the home. Thanks very much for your attention. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am writing to address an issue with the transfer of funds from my XXXX account to my Citizens Bank account. On Wednesday, XX/XX/XXXX, I requested an XXXX transfer from XXXX XXXX to my Citizens Bank account . Despite multiple checks on my account and follow-up calls with Citizens Bank on Thursday and Friday, there was no update. I was advised to contact the originator of the funds. 

On Friday, XXXX XXXX confirmed that the transfer was completed on Thursday, XX/XX/XXXX. However, Citizens Bank indicated that they had not received the funds. I was then informed on Saturday that my account had been closed in XXXX, and as a result, any incoming funds were automatically rejected. 

I have two other active accounts with Citizens Bank, on Monday I was told the situation was being reviewed. After extended wait times and multiple transfers, on Tuesday, XX/XX/XXXX, a gentleman stated that the funds were received, on XX/XX/XXXX. Citizens Bank had taken the amount of their fees that created the negative balance before they charged it off and then they placed my remaining balance on a twenty-day hold for verification, but did not try to contact me. I understand that procedures are necessary, but it seems unusual for an XXXX to take so long, especially given the use of FedACH or FedWIRE systems. I requested that the remaining funds be credited to one of my active accounts but was informed that this would be processed as a check refund, taking an additional fifteen business days. 

Given my long-standing relationship with Citizens Bank , I find this situation concerning. I have also experienced disruptions in our family life, due to the preventable delay, including internet and cell phone service disconnections, which are impacting my ability to manage daily expenses, responsibilities and seek contact with possible resources. 

I have been provided with Case # XXXX and have been advised to follow up. I request your assistance in expediting the resolution of this matter, including the potential reallocation of funds to one of my active accounts or prompt processing of the refund. Additionally, please confirm the status of the refund process and provide any necessary documentation or updates.

Thank you for your attention to this matter.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off my credit card in full in the amount of $ XXXX on XX/XX/year>. I went online this morning to check the account and there is an additional {$250.00} interest charge on the account. I immediately called Capital One to respectfully request that they reverse that charge, off all interest, and they have refused. I have been a customer of Capital One for years ( XXXX? ). This is unacceptable. People are trying to make end meet. I am not questioning the fact that I used the credit card. I am angry that they have made plenty of money off of me already and they can not reverse that interest fee. 

Highly unprofessional!!
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (OH)

I called to close my credit card because they were raising the interest to an unreasonably high amount and charging a monthly fee. I have paid it off and there is {$0.00} balance. Without any type of verification or checking, the rep immediately said " OK, it's closed '' it seemed suspicious so a couple days later I checked and can still login and the account appears open. I called back and the new rep I got was asking how they could help etc. When I said I wanted to verify it was close, he immediately said, " Yes, your account is closed. '' he never took any time to look things up and before that point was treating it like the account was open. 

This has made me very nervous. They never even said I would get a verification in the mail, which seems to be the norm. The whole thing seems shady and makes me not trust them. But they won't actually close the account. 

Indigo credit card with concora services.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (FL)

In 2023, I sold a property and promptly notified XXXX XXXX XXXX of the sale, explicitly informing them that the new owner would assume responsibility for the utility account. I communicated this on multiple occasions and received assurances from XXXX XXXX XXXX that I no longer needed to concern myself with the account, as the new owner would be billed accordingly. 

Despite these assurances, over a year after the property sale and without any communicationsuch as letters, phone calls, or billing statementsXXXX XXXX XXXX have sent these bills to collections companies who are now demanding payment for an accounts that I no longer own. 

XXXX such collections agency being The CBE Group Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, IA, XXXX ; phone number XXXX demanding {$1100.00}. The second being the collections agency being XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC, XXXX, phone number XXXX, demanding {$800.00}. This account has been sent to collections without any prior outreach to me, resulting in a detrimental impact on my credit score at a crucial time when I am in the process of securing a home and mortgage rates. 

The actions of XXXX XXXX XXXXXXXX have caused significant harm to me and my family. We are now at risk of losing the home we have put an offer on and are in the final stages of closing. This situation has created substantial financial and emotional distress for us. 

I kindly request that XXXX XXXX XXXX immediately remove all derogatory notifications related to this account from my credit report and restore my credit report to its proper standing. This action is necessary to allow myself and my family to progress with our home purchase and mitigate the harm caused by this oversight.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had a credit card and a checking account with Bank of America. The credit card had an option to link it to checking, so as to act as a fee free way to cover overdraft. In the past two years, I went to self employed, so this was great to keep the account positive, and make sure my ACH 's were always funded.

About two weeks ago, Bank of America decided that they were instantly going to be decreasing my credit limit to {$300.00} more than the balance was on my credit line, effectively cancelling the overdraft protection. The credit account balance was {$5400.00} with a credit line of over $ XXXX ( I think it was XXXX ). They decreased it to {$5700.00}, when they knew I had ACH payments coming up and could see them consistently drafting every month. 

This infuriated me, so I moved money form another account to pay this one off, and move solely to local banking. I submitted a payment from my other local bank as the checking account was negative, and was assured it would close once the deposit hit. That was XX/XX/year>. 

Today it is XX/XX/year> and the account is still open. Despite me not having a mobile banking login anymore, I am still receiving emails that my account is overdrawn. ACH debits are still being taken from the account ( forgot to move student loans over ) and the account is anything BUT closed. 

I spent XXXX minutes on the phone with bank of america customer service today, being transferred 7 times, and being told conflicting information. I just kept needing to speak to another department and they would help me close the account and take my {$53.00} payment so the thing would close. 

The last rep informed me that the only way for me to close the account was to go to a branch to pay the {$53.00}, after XXXX reps on the phone told me I could ACH over the phone to settle it. 

After reading horror stories on XXXX, I'm not the only XXXX. 

It is infuriating that there is no closing a bank account the way there is closing a credit card. I told them this account was to be closed. I paid the money ( I'm now having to get the XXXX transaction that DID go through, reversed ). I have been told conflicting things locally, multiple occasions on the phone, and this will now be my third payment after " closing the account ''. 

This is my last ever account with a large bank. The CFPB needs to look into this, because not everyone has the time to spend on the phone while some banker on a yacht uses the never ending fees on my account to pay his wait staff and fuel his motor yacht. 

DO SOMETHING.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DISCOVER BANK XXXX
Consumer complaint received 2024-07-28
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: AMERICAN EXPRESS COMPANY (MI)

XX/XX/XXXX and XXXX my wallet was taken from me and charges were put on 4 of my credit cards. American Express Has XXXX dollars of fraud on this account. They said i would have to pay for these charges since there is not enough evidence of fraud. I did not authorize these charges. XXXX  is the creditor that charged my card. would like these charges dismissed.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

XXXX Credit Bureau removed a couple files, that were not mine, that I disputed, but are refusing to take off the remaining collection files. These accounts are not mine and I asked for them to be removed immediately. The company is claiming that the collection accounts are mine and the collection company says they purchased the debt from the original creditor. I asked for them to simply show me proof that the debt is mine and to date, they still have not. Please hold both XXXX, LVNV and XXXX XXXX XXXXResurgent responsible for refusing to follow the laws that protect consumers from having inaccurate information on their credit files, thank you.
Consumer complaint received 2024-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Paypal banned my account. I comply with their legal agreement. but they shut down my account instantly. I dont have any dispute with my transaction. Then Last XXXX XXXX they just Permanently Limit my account and hold my funds for 180 days. my account in Paypal is same email : XXXX XXXX
Consumer complaint received 2024-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/year> Americollect Inc XXXX XXXX XXXX XXXX, Wisconsin XXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

I noticed a collection being reported on my consumer report by this company with account number being XXXX. However I have never received an initial communication from this company at all which violates both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In order to furnish information on a consumer report, a debt collector must first have verifiable information and they must verify this information with the consumer to whom it relates by first providing an initial communication or else they would violate the FDCPA. I however did NOT receive such notice making this information unverifiable and the furnishing of this information unjustifiable. I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I noticed two collections being reported on my consumer report by this company. The first account # is XXXX and the second account # is XXXX. However I have never received an initial communication from this company at all which violates both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In order to furnish information on a consumer report, a debt collector must first have verifiable information and they must verify this information with the consumer to whom it relates by first providing an initial communication or else they would violate the FDCPA. I however did NOT receive such notice making this information unverifiable and the furnishing of this information unjustifiable. I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Around holiday times ( XXXX XXXX XXXX XXXX ). My account was constantly being g hacked. Which caused me to get a numerous amount of new cards. An d according to then because it was so many in a certain time frame it made me a liability so they had no choice but to close my account. And at the time was at least over XXXX. But when they closed my account and canceled my current card. They told me I would receive a check in the mail for my balance. And they allowed me to dispute XXXX previous transactions that weren't authorized for over XXXX. But when they canceled my account those were just tossed out I guess. But they allowed my account to get debited by whoever or whatever. And then I wound up receiving a check for literally XXXX XXXX XXXX XXXX  I called and they would give the the run around. To the point of not even talking to me at all. By either getting disconnected ( them hanging up ) or just leave me on hold until I would eventually get frustrated and hang up