davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Dear CFPB, I need your help and I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX regarding their collection practices in relation to my account with them, identified with an Capital One account. It has come to my attention that XXXX XXXX XXXX, XXXX has been violating my rights as a consumer under various provisions of federal regulations and statutes. Specifically, XXXX XXXX XXXX, XXXX is in violation of the following regulations and statutes : Violations : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation outlines requirements for debt collectors in providing validation of debts. XXXX XXXX XXXX, XXXX has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation pertains to the provision of written notice by debt collectors. XXXX XXXX XXXX, XXXX has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

12 CFR 1006.34 ( d ) : This regulation addresses the timing of validation of debts. XXXX XXXX XXXX, XXXX has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

15 USC 1681-S2 ( 7 ) ( A ) : This statute concerns the rights of consumers in relation to their credit information. XXXX XXXX XXXX, XXXX 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

Demands : Cease Collection Activities : I demand that XXXX XXXX XXXX, XXXX cease all collection activities related to my accounts. 

Delete XXXX : I demand the deletion of the reporting of the account to the credit bureaus. 

Certified Receipt of Notification : If XXXX XXXX XXXX, XXXX believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

Compensation : I request compensation of {$1000.00} for the violations of my consumer rights as outlined above. 

Request for CFPB Action : I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX, XXXX for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint.
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IL)

I setup autopay on my home mortgage immediately after getting the loan and after having it transferred to Mr Cooper. My bank records will show years of history of autopay including one XX/XX/year>. Suddenly in XX/XX/year> they did not run autopay. There was enough money in the account to cover the mortgage payment. They simply didnt run it. On top of that, they provided no notice to me that autopay was not processed until the payment was already late. Now they have charged me a late fee for a payment that is late only because of their failures and they have defamed my credit.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2024-01-16
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. (SC)

I have been requesting for months to opt out of the transaction history being reporting. I have the privacy policy and federal law and the privacy act of 1974 says I have rights to opt out.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00}
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against XXXX for their failure to initiate a proper dispute process in response to my request to correct inaccurate information on my credit report. Despite repeated attempts to rectify this issue directly with XXXX, I have encountered delays and evasive responses, resulting in ongoing inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to XXXX regarding XXXX XXXX  Account number XXXX and XXXX  XXXX XXXX Account number XXXX. XXXX claims to have initiated a dispute process in XX/XX/XXXX, yet the status of the account has not been updated since XX/XX/XXXX. This lack of update indicates that XXXX has failed to effectively investigate and address the inaccuracies on my credit report. XXXX failure to properly initiate and follow through with the dispute process not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of the credit reporting system. Specifically, Experians actions contravene the following provisions of the FCRA : Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to conduct a reasonable investigation of disputed information upon receiving a consumer dispute. XXXX failure to update the status of the disputed account since XX/XX/XXXX suggests inadequate investigation and resolution of the dispute, in violation of this provision. Section 611 ( a ) ( 5 ) ( A ) : This section mandates that if the information disputed by a consumer can not be verified, the consumer reporting agency must promptly delete such information. XXXX failure to update the status of the disputed account despite ongoing dispute and updates to the account since XX/XX/XXXX indicates that the accuracy of the information remains questionable, warranting its deletion from my credit report. Furthermore, Experians repeated failure to address my concerns and provide adequate resolution constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ). Therefore, I am demanding the following actions : The immediate deletion of the inaccurate and unverified account from my credit report. Confirmation from XXXX that the inaccurate information has been removed or corrected. Assurance from XXXX that they will implement measures to prevent similar errors and mishandling of disputes in the future. I am also requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that XXXX complies with the FCRA and CFPA. Enclosed are copies of relevant documents, including proof of my dispute submissions and correspondence with XXXX, for your review. Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. Sincerely
Consumer complaint received 2024-05-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Mortgage payment for XX/XX/2024 was made and deducted from our bank account. Carrington Mortgage sent us a late notice for our XXXX payment and stated they did not receive it. We provided proof from our bank that it was made by ACH and that it cleared our account on XX/XX/2024. After numerous talks and providing proof of payment Carrington still said they did not receive it and then proceeded to mark us late on paying and have since ruined our credit. The payment was made and as of this date, Carrington still says they do not have the XXXX payment. {$1400.00} of our money is at their office yet they still say they can not find it.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

I switched both my checking and savings account over to our XXXX XXXX on XX/XX/XXXX. I provided the notarized XXXX of XXXX XXXX and watched the banker upload the agreement to Wells Fargo. 
A letter dated on XXXX XXXX, XXXX, Wells Fargo informed me that due to anti-money laundering laws I was required to bring a Certification of XXXX XXXX, notarized to a branch office. It warned that in 20 days ( if you have direct deposits for your account, which I have multiple direct deposits ) that it would close my accounts. 20 days from XXXX XXXX is XX/XX/XXXX. 
I got the required form from the bank on Wednesday, XX/XX/XXXX. I filled out the form and got it notarized at another bank because Wells Fargo doesn't have a notary on staff and turned it in on XX/XX/XXXX. That same day both my Checking and XXXX accounts went to {$0.00} without warning. There was never an email, or a phone call. I spoke with the same banker, he gave me another form to fill out to reopen the account and get it fixed. Friday XX/XX/XXXX I received an email saying both accounts are closed. Not able to get ahold of the banker and not answering emails. Multiple calls to Wells Fargo I elevated it up to the XXXX and the best they can tell by their information is that a check is being sent, takes XXXX to XXXX business days to send the check and to allow XXXX business days after that to get your check due to speed of post office. They can't tell me if or when the check was sent, a tracking number to know when it's getting here. This is XX/XX/XXXX, still a day before the deadline in the letter that they said would close out the accounts and after I went in the bank and submitted all the required forms and information. It is downright criminal to close out an account and take this long to get the funds back to me without knowing if or when it is coming. I have checks written for paying off bills that are bouncing and need to make payments and feed my kids. I'm just supposed to wait by the mailbox for XXXX business days + XXXX business days for it to arrive which could be a total of 22 days since the account was closed. Downright criminal theft.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Per capital one policy, billing cycle ends on at XXXX on the closing day. Capital one decided to end my billing cycle a day early even though they admitted it supposed to end today ( XX/XX/19 ) per company policy. The manager accepted this but could not give a clear reason why this happened she also tried to take back her statement when I said I was going to report this to your company. Banks are required to follow policy but capital one has breached their own policy and this is going to really affect me. I dont know but I believe the representative I called yesterday to file a dispute may have ended the billing cycle early. This is going to affect my credit score and cause me pain and suffering for the next month because Im not going to be able to do a lot of things I need to do.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

Coinbase has my money on hold the total of XXXX $ even though they took the money out of my account. They said I have to wait 60 days which is illegal I want my funds release I will not be using Coinbase anymore I will be opening a law suit too if my funds arent release I have already submitted all document for proof of funds like my ID and ssn
Consumer complaint received 2024-05-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is an add on to Complaint against BOA XXXX XXXX provided them a tolltag statement, which BOA finally provided to us. Mind you XXXX has never provided us 1 piece of proof. 

BOA told me in short they were permanently dismissing the charges out of " courtesy '' and my problem is THIS IS FRAUD and if their fraud department isn't any smarter than this they need to be fired. 

In all the data we have sent you, 1 ) the agreement number is not the same as our rental agreement ( XXXX ), 2 ) the dates of the charges are XXXX XXXX and the reason we disputed documented our rental was XX/XX/XXXX. You don't need to have special training to figure this out so my problem is " out of courtesy '' is XXXX they never reviewed the materials. How many people give up because BOA doesn't do their due diligence? 

NEXT, HOW IN THE XXXX IS OUR CREDIT CARD BEING CHARGED FOR TOLLS ON A CAR IN TEXAS ON DATES THAT ARE NOT ASSOCIATED WITH OUR AGREEMENT. WE HAVE TOLD BOA THEY BETTER BLOCK ANY AND ALL FUTURE CHARGES FROM XXXX OR XXXX. THIS REQUEST NEEDS TO BE REINFORCED. I HAVE SEEN OTHER PEOPLE COMPLAINT THAT XXXX JUST KEEPS HITTING PEOPLES CARDS. YES, WILL BE UPDATING FTC COMPLAINT AS WELL AS ATTORNEY GENERAL.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I made a mobile deposit into my WellsFargo account using a XXXX XXXX transfer check in the amt of {$2700.00}. Being that the funds were not available to me I contacted XXXX on XX/XX/XXXX and I was informed that I could not use mobile deposit and I needed to go into WellsFargo to deposit the same check. On XX/XX/XXXX I went into Wellsfargo to deposit {$2700.00} in person. As a result, the same transaction was credited to my account twice. Once I became aware of this I notified WellsFargo and XXXX and WellsFargo debited my account on XX/XX/XXXX for {$2700.00}. Since then XXXX has been harassing me due to the transaction posting twice even though Wellsfargo had debited the funds. Wellsfargo could not explain where the debited funds went or where they were sent. Since this error I have continued to be harassed and have received debit notifications from XXXX for double the amount totalling {$5400.00} and transfer fees. I only received benefit of {$2700.00}
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

Wells fargo closed my account in XXXX Virginia XXXX for over 3 years in I never got my money my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1983
Consumer complaint received 2024-08-21
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. (WI)

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks XXXX 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 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. And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items account names and phone number from my credit report.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One ( 3 late payments ) and XXXX XXXX Bank ( 4 late payments ) reported late payments on my credit cards during 2019 Coronavirus Pandemic under the Cares Act Law enacted by Congress there should have been some type of forbearance given and lenders should have refrained from doing so.
Consumer complaint received 2024-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX received an email to my work address which is not linked to anything about Capital One. 
This is a scam website trying to steal login information
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint against the Bureaus a month ago, but the inaccurate information on my report remains unchanged. Surprisingly, I have not received any response or acknowledgment from them, and my complaint has already been closed. I am seeking clarification on why my complaint was closed without addressing the issue or verifying my dispute. I need assurance that they have thoroughly investigated the inaccuracies and validated the accounts on my report.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

I previously had a cfpb case initially concerning this issue. I was advised to contact the company directly with any further questions or concerns. Case # XXXX I sent them a certified letter to the address advised on XX/XX/XXXX but as of today, I have yet to receive a response. XX/XX/2024 2024
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.