davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disputed a charge from a hotel. That I did check into but did not stay in and checked into another hotel the same day due to the cleanest of the room. The room smelled had rust. I was scared to leave my items in the room better yet my body. I complained to the hotel. To the hotel chain made XXXX  complaints no response from the hotel. I disputed the charge with captiol one. They sent me an email in XXXX asking for proof of cancelation I called and asked what proof and I also responded to the email asking what info what details is it that they are looking for that I have not already provided. I never received a response back from the email. Then I received a email saying the dispute was denied and the transaction was correct that I did not provide the info. I called again and spoke to a supervisor in claims named XXXX XXXX. I asked her what proof is it that they are looking for she said she does not know she does not have any examples. Per the email it is asking for details and I asked what other details is it asking for since I already provided it she was unclear she had no clue. I asked repeatedly what info do capital one want from me. She could not tell me. So how can I provide info if capital one can not tell me what to send?
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

There was a XXXX payment for {$260.00} that I did not authorize on XX/XX/year>, and I had to dispute it three times because it was filed incorrectly the first two times and the agents noted that I authorized the charge when I never told them I did, so I could understand why it was denied those times. However, it was filed correctly the third time and the agent noted that the transaction was unauthorized, but the Disputes department still denied the claim. If they paid attention, they could see there was a security issue with this and the transaction actually went through twice. I was automatically refunded for one but not the other. There was no way I was able to authorize that payment because the only way Im able to authorize it is if I have access to my phone number ( XXXX ), which I did not have access to during that time and as much of a time consuming pain it will be I can obtain proof of that from my phone provider if they request this information. 

I just recently closed my credit card that I had with TD for 7 years all because of the Disputes department and how they started mishandling claims about two years ago, and I will not hesitate to do the same with my checking account that Ive had for literally 24 years if I have to. This is no way to treat a customer
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Debt Amount : {$1900.00} Date opened XX/XX/2023 All of this above information is false, inaccurate and this is my second complaint. I have disclosed that I did not live at the residence the XXXX  account is associated with. The house was sold to XXXX and XXXX XXXX. I will be attaching the deed title to show proof. This debt belongs to the XXXX not XXXX. I have reached out to this company and they continue to state this is my debt and it is verified which is a LIE. 

I have not lived at that residence in years and this account is from XX/XX/XXXX of XXXX. This information, date, debt, address, is all false and incorrect. You are violating my fair credit report rights.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I was " paid '' {$3200.00} by XXXX XXXX for used camera equipment ( Trade-In Number : XXXX, Payment Method : Direct Deposit, Account Info : XXXX, Amount Paid : {$3200.00} ) This amount was deposited with their " transfer '' bank - XXXX ( XXXX XXXX XXXXXXXX ). This bank was to create a transfer of these funds to my bank, USAA ( XXXX XXXX XXXXusaaXXXX XXXX  ). 
This transfer " occurred '' XXXX XXXX, 2024. However, the amount " Sent '' was never deposited into my account at USAA. USAA disputes any problem/error on their part -- as does XXXX. Since then the XXXX bank has sent an " LOI '' letter to USAA, but no-one, at either bank, can provide any information regarding its sending, receipt, of action taken. 
Everything is " unknown '', and awaiting response from USAA. 
I have contacted XXXX XXXX at XXXX regarding this problem ( XXXX ), who is verbally supportive -- but claims there is no way available for direct contact between the banks to resolve this problem. 
I consider this absurd ... and very convenient for institutions which earn interest on " suspended '' funds. 
Please help???
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

After reviewing my XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2018-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (CA)

On XX/XX/2018, I sent XXXX XXXX Peso through World Remit wire transfer. The recipient did not receive the funds in their account. I filed a complaint three times and did not receive a response. The World Remit transaction number is XXXX.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (IL)

On XX/XX/year>, I contacted the servicer Shell Point Mortgage to inquire who the Investor was for my loan from 18 years up til now. 

I also requested a deferment for three months which I was told I qualified for.

I also informed the servicer this is a investment property and the tenant is not paying rent and I had to pay the taxes and the tenant can not afford to pay.

So I applied for a 3 months extension to pay theses mtg payments.

Now, I had not heard from Shell Point so I decided to call them to request the servicet number again since the number that was given to me on a recorded line was incorrect.

After speaking with them today I was told by phone that my request was denied because I needed to be 60 days behind in XXXX  payments to qualify.

Now, I have owned this property for 18 years and I owe even more money then first originated. 

I am requesting to release of mortgage certificate I have no idea who the owner is of this loan and I want out. 

I have paid over {$300000.00} for a loan that was sold to a car lot for {$20000.00}. 

I feel I have paid more than my share for a loan that I should not be still owing the balance of. 

I know their was and advance of {$10000.00} that was paid to the HOA and I took a fall for that because I have been acting as a servicer for 18 years and was not told I had to pay this debit back but I did not have to pay this debit back.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

See complete explaination and timeline attached. 

In short, XXXX XXXX issued a refund to a cloased Citibank credit card. Citibank has acknowleded receipt of the refund but can not or will not expain why they have not issued the funds to me.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

Well did a balance transfer from our XXXX XXXX credit card on XXXX it was a check to American Express for {$4000.00} - it was deposited in their XXXX  XXXX XXXX XXXX that XXXX office in XXXX XXXX XXXX on XXXX. American Express is stating that XXXX XXXX requested the funds back in which they did not - we have a letter from XXXX XXXX showing that funds were not returned- we have sent information certified XXXX and faxed to American Express with same results.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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
Consumer complaint received 2023-08-03
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. (CA)

My credit report shows late payments to XXXX XXXX XXXX XXXX  XXXX & XXXX - XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX Equifax updated a listing ( XXXX  XXXX XXXX : XXXX ) with new information. However, according to the documentation I have attached from the creditor, the payment history is incorrect. They are reporting 2 consecutive months of 180 days late ( XXXX XXXX ), when that isn't possible if 30 days passed after the initial 180 days late was recorded. There is also no record of payment history for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX as well. The amount of late payments are also wrong ; Equifax is reporting 7 late payments on this account to my credit report, but that does not align correctly with the reported payment history. 

Also, in accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, which happens to be the case for every month after XX/XX/XXXX to today 's date, where Equifax proceeded to update each month with a " charge-off '' status ; practices deemed illegal per the previously referenced law. 

It has now been another 30 days since they received my letter detailing this issue, and I haven't even gotten a notification that they processed my dispute. Due to the negligence, a response/resolution within 15 days is now required per the FCRA. This means they didn't contact the creditor, and violated my rights as a consumer.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear CFPB, I am writing to formally file a complaint against Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX, XXXX, VA XXXX. Their actions have resulted in numerous violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Massachusetts state consumer protection laws, which have significantly impacted my creditworthiness and caused undue distress. 

Complaint Details : XXXX. Failure to Provide Debt Validation : Portfolio Recovery Associates , LLC, has failed to provide proper validation for the alleged debts associated with account numbers XXXX and XXXX, despite my formal requests for validation in accordance with the FDCPA ( 15 U.S.C. 1692g ). They have not provided : A complete payment history.

The original purchase agreements, including all terms and conditions. 
Documentation of the date of last activity. 
Proof of their authority to collect this debt within Massachusetts, including a valid and non-expired license. 
XXXX. Continued Collection Efforts Without Validation : Under 15 U.S.C. 1692g ( b ), Portfolio Recovery Associates , LLC is required to cease collection activities until the debt has been validated. Despite this, they have continued collection activities, including reporting to credit bureaus, without providing the requested validation. 

XXXX. Reporting Inaccuracies and Re-aging of Accounts : Portfolio Recovery Associates , LLC has reported inaccurate information to all three major credit bureaus ( XXXX, XXXX, and XXXX ), violating FCRA ( 15 U.S.C. 1681s-2 ). Specific violations include : Incorrectly listing charged-off accounts as open. 
Reporting the accounts as derogatory without validation. 
Re-aging the accounts to show recent activity, misleadingly indicating late payments. 
XXXX. Violations of Massachusetts Consumer Protection Laws : Their actions constitute unfair and deceptive practices under Massachusetts General Laws Chapter 93A.

Impact on My Creditworthiness : These actions have deliberately and negatively impacted my credit profile, affecting my financial standing and opportunities, and have caused undue stress and anxiety. 

Request for CFPB Assistance : I request that the CFPB investigate these violations by Portfolio Recovery Associates , LLC, and require them to : Cease all collection activities and reporting on the disputed accounts until proper validation is provided. 
Correct all inaccuracies reported to the credit bureaus. 
Comply with all applicable laws and regulations regarding debt collection and reporting.Thank you for your attention to this matter. I trust that the CFPB will ensure that Portfolio Recovery Associates , LLC is held accountable for their actions. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-13
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: Chime Financial Inc (TN)

On Friday XX/XX/XXXX I visited XXXX XXXX in XXXX Tennessee to use their chime ATM. I used the chime credit builder card to withdraw {$360.00} from said card using funds transferred from my savings account on chime. The transaction was successful, but when the money was dispensed, I failed to grab it on time, causing the ATM to retract said dispensed money. I immediately contacted chime and gave them all of the details regarding it. I was told I needed to wait for the transaction to " settle '' in order to dispute it and get my money back. Saturday following, the transaction settled and I started the dispute process. I described the incident the way I have here and was reassured the money would be returned. The following Monday I realized that chime had denied my dispute. I requested all information collected during the investigation, their response was an email containing 2 files which were photos of the 2 ATM receipts I had sent them for documentation. I asked for a reason for denial and was given none. I asked for the case to be re opened and was told that it would be, but was given no further response since. I am just a simple working man and losing XXXX dollars has caused much financial stress. I don't know what else I can do.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Card Visa Platinum card Number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Back in XXXX of XXXX, I informed capital one credit card that my phone had been stolen. XXXX stole it used my credit line then attempted to pay my credit card off with a fraudulent account, more than likely to pay off the card with fraud than use the card or credit line. I wound up having to repay whatever had been charged to the card to get my payments back on track and informed them not to charge that other account it wasnt mine and it was fraud. I went on making my minimum payment or alittle above and than without my knowledge Capital one continued trying to pay my account above my normal payments with the account I told them was not mine. After two or three more months of this out of nowhere they close my account stating it was from them being denied from the account I told them was fraudulent. No money was ever paid from that account because of coarse it wasn't mine. I had no idea that Capital one was still trying to charge that account after I told them it wasn't mine and it was fraud. So in XX/XX/XXXX Capital one closed my account due to their own mistake. I wrote them a letter and called twice with them insisting I must cover the payments they tried to make without permission and then try to open a new credit line. I should of never lost my credit line because they messed up. I continued to make my minumum. They are victemizing me twice. They should of never continued to charge an account I told them was not mine. I should not be effected negitively at all from any of this and my line of credit should be continued or at least not effect my credit report in any negitive aspect.