davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/XXXX - I was unable to transfer money from my Marcus by Goldman Sachs savings account. I kept receiving an error message on their app. 

XX/XX/XXXX - I called Marcus and detailed the problem. They then said my account was closed and that they were not required to disclose why. I was then told that I would receive my funds in 7-10 business days, along with written correspondence on this. 

XX/XX/XXXX - I did not receive my funds, nor any correspondence. I called again and was told that the previous representative did not initiate the fund transfer. This representative said they just initiated it and I should receive my funds within 7-10 business days in the original funding account. 

XX/XX/XXXX - No funds nor correspondence. I called again, and they now said that I am under investigation and that they will hold my money until they conclude their investigation. I asked how long this would take, and why I was being investigated. The answer received was they can not say.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Account opened XXXX XXXX. 
First direct deposit XXXX dollars XXXX Second deposit XXXX dollars XXXX REQUIREMENT XXXX met to get XXXX dollars multiple direct deposits of XXXX dollars XX/XX/XXXX XX/XX/XXXX. 
Offer says bonus should post before 60 days after qualification periods ends XXXX XX/XX/XXXX I called XX/XX/XXXX, customer service said to wait XX/XX/XXXX. 
I called today XX/XX/XXXX and now they say to wait another 2 months. 

My husband also had to CFPB them for his saving account because they never paid the money. this bank is a nightmare and they never answer to the XXXX emails we sent.
Consumer complaint received 2024-10-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (MO)

Dear CFPB, I am filing this formal complaint against Hunter Warfield, a debt collection agency, for several violations of my consumer rights as outlined under the following federal consumer protection laws : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Hunter Warfield has not provided me with proper validation information as required by law. According to 12 CFR 1006.34 ( b ) ( 5 ), they are obligated to provide validation of the debt before placing a collection on my consumer report. However, they have reported this account to the consumer reporting agencies without providing any such validation to me.

2. Denial of Right to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I was not given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have the right to dispute the validity of this debt, but Hunter Warfield has failed to notify me of this right or provide me with the necessary information to contest the debt before reporting it to the credit bureaus.

3. Use of False, Misleading, and Deceptive Means in Collection Practices : Hunter Warfield is violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. Their failure to provide the required disclosures and the immediate placement of the collection on my report is both misleading and a misrepresentation of their legal authority under the Fair Debt Collection Practices Act ( FDCPA ).

4. Unlawful Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Hunter Warfield has no authority to furnish information to consumer reporting agencies without providing all required disclosures and allowing me the opportunity to dispute the debt. By failing to comply with the disclosure requirements outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), Hunter Warfield is in clear violation of federal law.

I request an immediate investigation into these violations and that the CFPB take appropriate action against Hunter Warfield for their non-compliance with federal consumer protection laws. Furthermore, I request that this collection account be removed from my consumer report until they provide proper validation and adhere to all legal requirements. 

Thank you for your attention to this matter. I look forward to a timely resolution.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Opportunity Fund (TX)

In XX/XX/XXXX, I received a XXXX form from OPPORTUNITY FUND, indicating that a debt of {$10000.00} had been canceled and should be reported as income on my tax return. I dutifully filed this XXXX on my XXXX tax return, acknowledging the cancellation of the debt and reporting it as required by law. 

Despite this, OPPORTUNITY FUND has continued to send me collection letters regarding the same {$10000.00} debt and has also reported this debt to the credit bureaus as an outstanding obligation. This is inaccurate and misleading, as the debt was officially canceled and reported to the IRS, meaning that I am no longer legally responsible for it. 

Since XX/XX/XXXX, I have received several collection letters from OPPORTUNITY FUND demanding payment for this canceled debt of {$10000.00}. Additionally, I have noticed that this inaccurate information is being reported on my credit report, adversely affecting my XXXX XXXX and financial standing. 

Actions Taken : XX/XX/XXXX : Filed the XXXX from OPPORTUNITY FUND on my XXXX tax return, recognizing the cancellation of the {$10000.00} debt. 
XX/XX/XXXX- XX/XX/XXXX : Received multiple collection letters from OPPORTUNITY FUND regarding the already canceled debt of {$10000.00}. 
XX/XX/XXXX- XX/XX/XXXX : Discovered that OPPORTUNITY FUND is reporting this canceled debt of {$10000.00} to the credit bureaus as an outstanding balance, negatively impacting my credit report. 
XX/XX/XXXX : Despite my attempts to resolve this issue by contacting OPPORTUNITY FUND, the inaccurate reporting persists. 
Desired Resolution : I request that OPPORTUNITY FUND immediately cease all collection activities related to this canceled debt and remove all associated negative entries from my credit reports with XXXX, XXXX, and XXXX. Since this {$10000.00} debt was officially canceled and reported to the IRS on a XXXX, it should not be reported as an outstanding obligation on my credit report. 

I also request written confirmation that these actions have been taken and that this matter has been fully resolved. If OPPORTUNITY FUND fails to comply with this request, I will consider pursuing further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies to protect my rights and restore my credit standing.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX -Date Opened XXXX BALANCE {$0.00} XXXX  XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$8400.00} XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$7900.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX - BALANCE {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX BALANCE {$37000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX - BALANCE {$13000.00} XXXX  XXXX XXXX XXXX XXXXDate Opened XXXX BALANCE {$0.00} XXXX  XXXX # XXXX Date Opened XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - BALANCE {$6100.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (NC)

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XX/XX/XXXX CAF XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Request for Co-Signer Release from Auto Loan Agreement/ Goodwill late payments removal Dear Carmax Auto Finance XXXX I am writing to formally request the release of my responsibilities as a co-signer for the auto loan associated with XXXX # XXXX, held by XXXX XXXX XXXX XXXX Also I reached out to formally ask that this account be investigated for removal of late payments reporting on this account for XXXX : XXXX, XXXX, XXXX, XXXX During this time the original owner was facing financial hardships with her home, childbirth etc. However since then the account has been on time and up to date with payments. 
In accordance with the provisions of the Equal Credit Opportunity Act ( 15 U.S.C. sec. 1691 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. sec. 1681 et seq. ). 
Since I co-signed for this loan on XX/XX/XXXX, the primary borrower has made consistent and timely payments for the past XXXX months. As per our agreement, I understand that I may be eligible for release after the borrower demonstrates a solid payment history for a period of 6 to 12 months. 
Given the primary borrower 's adherence to this requirement, I kindly request that you initiate the process to remove me from the loan agreement. Please let me know if there are any additional steps I need to complete or documentation you require. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Personal Information : XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXXXXXX XXXX  XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX DIST XXXX, CA
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (MO)

I am filing this complaint against Jefferson Capital Systems for inaccurately reporting a debt on my credit report and failing to provide proper validation despite my request. Jefferson Capital is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below are the key issues : 1. Failure to Validate the Debt : - I requested debt validation from Jefferson Capital Systems in accordance with the FDCPA that shows they received on XX/XX/year>. While they responded by claiming they are the current creditor, they have failed to provide sufficient documentation proving ownership of the debt or an original signed agreement. 
- Despite my request, Jefferson Capital continues to report this unvalidated debt on my credit report, which is a violation of the FCRA.

2. Inaccurate Credit Reporting : - Jefferson Capital has been reporting incorrect and incomplete information to the credit bureaus. Their failure to stop reporting while the debt is in dispute constitutes willful and negligent noncompliance with the FCRA.

- This inaccurate reporting has caused damage to my credit score and has resulted in significant financial and emotional hardship. 

- The continued inaccurate reporting and lack of proper validation have caused damage to my creditworthiness, anxiety, and emotional distress. This situation has also created financial hardship for me.

I am seeking the following resolution : - Jefferson Capital must remove this inaccurate tradeline from my credit report.

- They must provide full validation of the debt, including proof of ownership and an original signed agreement.

- If they can not validate the debt, they must immediately cease all collection efforts and credit reporting related to this account.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

The customer experience for this company is beyond awful. 

I tried to make a XXXX purchase and received an error when doing so. I went to the limits page to check and I was nowhere near the limits. 

The customer support person ignored me when I said this and sent a giant wall of text telling me where the limits page was. 

I then sent a screenshot to prove I hadnt hit the limit but they provided zero help and just closed the complaint. This happened with multiple customer service agents. It was terrible beyond belief.
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I took out a loan for XXXX dollars and I have paid over XXXX. The APR is 59 % which should not be in compliance with any state or federal laws. This company is being sued for going over the interest cap in several states. I was living in the state of Georgia at the time.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Current Address ( es ) : XXXXXXXX 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 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 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Confirmation of Removal of Fraudulent Account Dear Midland Credit Management, I am writing to formally acknowledge and confirm that this account is not accurate, and I want the fraudulent account in the amount of {$1200.00} associated with my name and Social Security number. This account was disputed under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, and I appreciate your cooperation in resolving this matter. 
I understand that this account is fraudulent and needs to be removed from my credit report. I would like to request confirmation in writing that this account has been deleted from all credit reporting agencies and that it will not be reported in the future. 
Please consider this matter resolved, and do not hesitate to contact me if you require any further information or documentation regarding this issue. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/year> I filed a complaint with the CFPB against XXXX, XXXX and XXXX, due to fraudulent accounts listed on my consumer report. I was notified that the accounts in question were verified as accurate by the alleged creditor, however nothing I requested disputing these alleged accounts was returned to me. I requested that validation and proof of claim of the disputed debt was requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I specifically stated that this is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I have yet to receive such request and the information has not been blocked from my report and is still fraudulently reporting, damaging my reputation greatly. Amid submitting this complaint, I also submitted a copy of my FTC report as well. Delete these fraudulent accounts
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently received XXXX  XXXX XXXX and opened a bank account with Capital One a few days ago. My son made three  deposits into my account through XXXX ( {$1.00}, {$500.00}, and {$500.00} ). Shortly after, I received an email stating that my account had been restricted, and I was unable to withdraw any money. 

I contacted customer service to resolve the issue, but they informed me that I would need to visit a nearby branch to unlock the account. The problem is that there are no Capital One branches nearby in North Carolinathe closest one is in XXXX, which is at least a three-hour drive from me. Despite explaining this, they did not provide any alternative solutions to unlock my account. 

This feels like a trap. They encouraged me to open an account, only to freeze it without a valid reason, and now they're asking me to drive several hours to resolve the situation. This is completely unreasonable and unacceptable.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ascent Holding Co (CA)

I started receiving some mail related to student debt refinancing ( from XXXX - a firm I have never heard of ) and was suspicious about it since I do not have any student debt. I then checked my XXXX credit score and noticed an account that wasn't mine - An open student loan account from ASCENT FUNDINGXXXX XXXX XXXX phone XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ) with balance {$53000.00}, 7 year term opened on XX/XX/year> that appears to have 'Paid Satisfactorily ' Payment History. There is also a previous closed account with the same start date that has a balance of {$0.00}. 

I did not take out this loan ; I was doing a fully funded XXXX XXXX XXXXXXXX at the time and had no need for student loans. 

I called the number listed for ASCENT FUNDING on the credit report and found it to be a robo-call that said 'you have been selected for a free gift ' and dropped the call ; searching for XXXXXXXX XXXX phone number on XXXX gives me a different phone number XXXX ( ie 54 order was swapped in the credit report entry ), which appears to belong to XXXX but will not let me proceed until I enter a phone-number corresponding with my account, which I obviously don't know since I didn't create an account or take out a loan with them. 

I disputed the account on XXXX ( the credit reporting company that produces XXXX scores ) and am yet to hear back. Looking deeper into the credit report metadata, I found an erroneous mis-spelling of my name : XXXX XXXX XXXX and two addresses in XXXX, NY that I have never lived at. I disputed the two erroneous addresses as well and they were promptly removed from my credit report. 
Based on this information, I found a person named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was a graduate student at XXXX XXXX in XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX lab. It is possible that the loans were taken out by this person and were erroneously attributed to me. 
My name is spelled XXXX ( with a trailing a in my first name ) XXXX and I have never lived in XXXX, NY or interacted with Ascent. I am unsure how this managed to appear on my credit report seeing as they should not have access to my social security number. 

Finally, I also checked my credit report on XXXX and XXXX. Neither have this fraudulant account listed in my credit report. This leads me to suspect that this may have been a record linkage error where a loan granted to a different person got erroneously linked to me. If it is an honest mistake, this points to sloppy actions on Ascent/XXXX XXXX part ; if not, it is outright fraud.