davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In loan agreement page 1 states, If all or any portion of a payment is not paid within 10 days of due date, there is a late charge of 5 % of the monthly payment or {$25.00} and this finance company has failed to abide by its own terms and has made a fraudulent report to the credit bureaus and has made harrassing texts and threats to take my vehicle without it being late or in repossession status.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aargon Agency, Inc. (TX)

I sent by certified mail a debt validation request to Aargon Agency for reporting XXXX different collections on my report. It is XXXX  days later and they have not provided debt validation and XXXX and XXXX are both reporting collection and/or charge off accounts for these XXXX inaccurately. I have reached out to both reporting bureaus and they have still failed to removed the items in question which is thoroughly hurting my credit score. I need this inaccuracies removed immediately.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (MO)

In 2022, I applied for a job, XXXX English in XXXX. I got an email from XXXX XXXX, XXXX. ( XXXX ), a school in XXXX, XXXX with a job offer. The head of the school XXXX XXXX is XXXX XXXX. I made an employment agreement with XXXX XXXX, XXXX. After that, I was instructed to transfer a certain amount of money, the purpose of which was to speed up the process of receiving a work XXXX. According to the instructions, I had to make payments not directly to the bank account of the school, which would be the common practice, but to a third party, named XXXX XXXX ( hereinafter referred to as the Beneficiary ) holding an account with WISE US INC . I made wire transfers for the benefit of the Beneficiary amounting to a total of USD XXXX ( US DOLLAR XXXX  XXXX XXXX XXXX AND XXXX AND XXXX CENTS ). My legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressed a letter of demand to Wise US INC., trying to resolve my issue and claiming a feasible compensation offer. Wise US INC. responded that they can not be held liable for the scam. Such a way of handling consumers complaints is not acceptable to me and I think that it does not handle the raised issue fairly and impartially, nor does it match the ethical and professional standards of a diligent payment services provider as these are known in most of the modern countries.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/24 Capital One did it hard inquiry on my credit I went online to check about the promotion and they automatically did the hard inquiry on my credit and started to ship me out a quicksilver Capital One credit card without Me accepting the offer.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

I contacted support whenever I was unable to see my care report, and after clearing my cookies 18 times I kept telling the support professional that it did not work however, he just kept telling me to do the same thing over and over. They would not furnish me with my credit report I described how it had an accuracy, and I needed to make disputes, and I was unable to do so.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (MN)

US Bank Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file bankruptcy ( XXXX XXXX  ) in XXXX. Our mortgage was not included in the bankruptcy discharge filing and we signed a reaffirmation agreement US Bank. We have not missed or made any late payments during the entire duration of our loan. I have requested for US Bank to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (WA)

I was transferred to Roundpoint at the beginning of the new year without my knowledge. I was unable to obtain any information about the new account, who my account manager was or even how to pay once I found out in XXXX 

They immediately put me into pre-forclosure after repeated attempts at remediation/repayment and assistance. 

I am now having a mental leave of absence from my job and this is partially responsible for my stress and anguish.

I finally got a 'payment ' plan which is {$1000.00} more than my normal mortgage I am expected to pay even with limited income. They are reporting me as delinquent and I an unable to get any assistance from Roundpoint or any creditors due to this. 

Phone calls to the company end up with them constantly talking over me, telling me it's my fault and they don't want to do anything. I can not speak to management or get a call back. 

Do all companies have this broken model?
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (ND)

My student loans have been forgiven. My loans were consolidated through Mohela. I received a letter from Mohela on XX/XX/2023 that my loans had been forgiven as part of the XXXX XXXX XXXX one-time account adjustment. The letter stated that the forgiveness was effective as of XX/XX/2023. 

It is now XX/XX/XXXX and my loans are still listed on my credit report as not being paid in full and/or closed. The full balance still shows with Mohela as the servicer. 

Mohela states that they update their information to credit bureaus every 30 days and that the adjustment to my credit report could take up to 90 days. It has been much longer than that. 

I attempted several times to speak with someone at Mohela to talk about this issue and was unsuccessful. 

The balance listed on my credit report with Mohela is {$42000.00}. It also says that Mohela last reported on this account on XX/XX/2023. The balance listed on my account on the Mohela website is {$0.00}. The balance listed on the Department of Education website for my account is {$0.00}.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

One day ( XXXX XXXX XXXX a transaction of {$2000.00} appeared in my account that I did not authorize. The merchant was international and I had never heard of them before. I opened a dispute online thinking that the dispute was to report fraudulent activity. 

I later was told by Discover that they had received my dispute " as goods not received ''. This was completely wrong and I fixed the issue with the customer service by fixing the dispute XXXX XXXX XXXX XXXX XXXX XXXX Everything seemed to be okay. I got a letter in the mail XXXX XXXX XXXX XXXX  saying the investigation was over and I was not responsible for the transaction. 

However, Discover months later reinstates the transaction in my account even though they told me the investigation was over and I was not responsible. This is not legal nor transparent. Discover wouldn't give me their " evidence '' on how they reached to the new conclusion after firstly telling me I was not responsible. 

I am guessing they were hoping I would be careless and just pay the balance without noticing. How can I be charged something I did not approve? I will close my account with Discover, they say they have customer protection but they by far are not doing anything to protect their customers. Worst experience ever.
Consumer complaint received 2024-04-16
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)

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 2023-12-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Modern Mortgage Financial, LLC (VA)

We were told to go through with the closing process by a broker and if anything needed to be changed it could be done after closing. The broker insisted we close immediately before rates changed he would not take no for an answer. We closed on Friday XX/XX/2023 at XXXX XXXX. the closer did not go over the paperwork with the exception of one form titled Notice of Cancellation of affidavit, she said that was the form we needed to fill out to cancel. I told her we were going to do so and I read that we had three business days to submit. My husband and I proceeded to our XXXX store on Monday XXXX 2023, we signed the cancellation notice and had it notarized and we faxed the form to XXXX XXXX with the fax sheet provided. The following Fri day we received checks from XXXX XXXX XXXX, I called immediately to ask why they sent those checks because we cancelled the person I spoke with said to call our broker and I did many many v times to no avail. Then I called XXXX XXXX and was told after speaking to numerous people that they received the notice and it was the wrong cancellation notice! Me or my husband are not lawyers, brokers or closers, we only knew what was told of us to do in order to cancel the refinance and that is what we did. My husband is a XXXX veteran and I myself am retired, we were trying to find a way to lower our monthly bills, after looking at the numbers we could not afford to do this, we talked to the broker about this and they would not take no for an answer. I feel like we were lied to and I was told there was nothing they could do about it. Before the closing they had all the right answers and after the closing the wouldn't answer the phone and finally when they answered the said sorry that could not help us. This has been a nightmare for me and I just want to give the checks and untouched money back I was told they could change things until they got what they wanted. The broker is with Modern Mortgage his name is XXXX and XXXX.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XXXX XX/XX/2024, I looked up for Coinbase contact information to report issues with my account. I found the link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is public and should be known to Coinbase. A XXXX XXXX, who claimed to be from Coinbase Technical support answered. He gave his name as XXXX XXXX and his direct number as XXXX. He got me to download XXXX, for him to remote into my computer. XXXX generated a login ID XXXX XXXX XXXX for me and a new password for every session for several days of contact with XXXX XXXX. I had to log in to XXXX and give him the new password for each session for him to gain remote access. 

XXXX XXXX moved funds from my account to a Bitcoin wallet and gave me the wallet address, which I still have and Coinbase does too. On the morning of XX/XX/2024, I called Coinbase on another number only to discover that it was all a scam as the initial number and XXXX XXXX were not affiliated with Coinbase. 

Coinbase promised to " escallate '' the incident. Several days later, I received email from Coinbase to the effect that they were going to close the incident because they had not heard from me. I responded that I had been waiting for the findings of Coinbase 's investigation, given that Coinbase had control over the wallet and my account as of the time I filed a report with Coinbase on XXXX XXXX I still have not received a reply from Coinbase.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute several unauthorized credit inquiries listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 609, I have the right to request the validation and verification of any information listed on my credit report. Upon reviewing my credit report from your bureau, I discovered multiple inquiries that I did not authorize nor consent to.

The unauthorized credit inquiries occurred on [ Date ( s ) of Inquiries ], and I have counted a total of [ Number of Inquiries ] inquiries within the span of a single day. It is imperative to emphasize that I did not initiate nor authorize any agencies or institutions to conduct these inquiries on my credit report. As a responsible consumer, I am vigilant about my credit activities and take great care in managing my credit profile. 

The FCRA provides clear guidelines regarding permissible purposes for accessing consumer credit reports. Any inquiry made on my credit report without my explicit authorization is a violation of my rights under this act. Furthermore, such unauthorized inquiries can adversely affect my credit score and financial standing. 

I am formally requesting the immediate removal of these unauthorized inquiries from my credit report. Additionally, I expect a thorough investigation into the circumstances surrounding these inquiries to prevent similar occurrences in the future. As per FCRA Section 609, I request that you provide me with written documentation confirming the removal of these inquiries from my credit report within 30 days of receiving this letter. 

Failure to comply with my request within the stipulated time frame will leave me with no choice but to pursue legal action to ensure my rights under the FCRA are upheld. I trust that you will handle this matter with the urgency and seriousness it deserves. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries for your reference and investigation. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these inquiries from my credit report. 

Sincerely, XXXX XXXX Any additional supporting documents ( Police Report )
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Against Capital One Credit Card XXXX- Case # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One Credit Card XXXX in connection with severe mismanagement of my West Elm Capital One credit card account ( ending in XXXX ) and ongoing unresolved Case # XXXX. Despite repeated communication attempts, Capital One has caused significant damage to my XXXX XXXX and failed to provide timely resolution or adequate customer service. 

Summary of Key Issues Unexpected Account Restriction : On XX/XX/2024, my West Elm Capital One credit card was unexpectedly declined though my account showed available credit. Investigation revealed an undisclosed restriction stemming from pending legal action on a separate Capital One card. This restriction was never communicated to me in advance, causing embarrassment and preventing me from utilizing Key Rewards and cash-back incentives. 
Inconsistent Information : Capital One 's website showed available credit while its automated phone system and customer service team indicated otherwise. This discrepancy is unacceptable and caused significant inconvenience. 
Unresolved Issue and Credit Score Impact : Despite XXXX letters ( dated XX/XX/2024, and XX/XX/2024 ), Capital One has provided no response, explanation, or resolution. My credit score has dropped by XXXX points, likely connected to this matter. 
Missing Replacement Card : I have not received a replacement XXXX XXXX Capital One credit card as promised by a Capital One agent ( call recorded ). 
Desired Resolution I request the Consumer Financial Protection Bureau 's assistance in compelling Capital One to : Investigate and Resolve : Thoroughly investigate and resolve the account restriction issue, address its impact on my credit score, and reissue my promised replacement card.

Provide Clear Communication : Explain the reason for the severe delay in response and outline steps Capital One will take to improve its customer communication practices. 
Compensate for Damages : Offer compensation for the embarrassment caused, the lost rewards and cash-back benefits, and the potential financial consequences of the damaged credit score.

Documentation Urgency I have been a responsible customer and deserve timely redress. Capital One 's actions have negatively impacted my financial standing. I urge swift action by the Consumer Financial Protection Bureau to resolve this matter. Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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

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

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

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

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

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

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

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

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My account was closed and I have no idea why. The card had fraud on it and the new card was on the way. They told me they would update the address and send the card to me in the country of XXXX and they closed my account without my request. I want my card reopened.