davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

An Admin to a XXXX group posted items for sale. There were other members who responded validating that the seller was a legit and trustworthy seller. Reached out to seller and agreed on a price for a XXXX XXXX set ( {$400.00} ) to be paid via Paypal to XXXX. Sent payment ( transaction ID XXXX ). Seller mentions that he has a second set for sale which I also sent payment for ( transaction XXXX XXXX and XXXX ). Total payments sent was {$700.00}. Since sending payment, the posts on the XXXX group have been removed. I believe I was scammed.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (NV)

On XX/XX/XXXX, I received an email letting me know that a payment was coming for a payday loan. I immediately called Cash Advance Now and told them I did not have anything to do with taking a loan out. The representative told me he saw that the money went to another account that he could not identify ( after I identified the name of my current bank ). I asked him to email and mail me the contract that I supposedly signed, in which he stated he would. I never received the documents. 

On XX/XX/XXXX, I received a collections notice from them stating that the account was past due. I replied back to the email and spoke with a representative on XX/XX/XXXX and he informed to disregard as it had been taken care of. I asked for a letter telling me that it was taken and no other action needed before hanging up. 

On XX/XX/XXXX, I received another notice that said I was past due. I called customer service again and was told that I didn't need to worry and the letter will follow in 7-10 business, as soon as the account was closed. 

On XX/XX/XXXX, I received another email letting me know the account was still delinquent. I called and spoke to XXXX and he informed me that they never received the forms needed to research the account. I told him I'd never receive anything, in which he forwarded me the steps I needed to take, including creating and filing a complaint with ID Theft, which I completed on XX/XX/XXXX ( delay with the holidays, travel, and work ). I also sent a letter to them asking for details on the loan and proof that I signed it. I never heard back from them so I called them on XX/XX/XXXX and was told that they never received the documents requested. They resent me the email, in which I resent the documents to them. 

I emailed the team at Cash Advance and didn't back so I called them on XX/XX/XXXX and left a message. I have yet to hear back from them on this case.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC (GA)

Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights.

4. The Collection Agency has no authority to furni
sh any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.

2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

XXXX. XX/XX/XXXX discover sent me an email stating they wanted me to verify my identity. I didnt see said email. This email came from XXXX. XX/XX/XXXX I contacted them because my card didn't work. They explained to me about the email. They agreed to send me a new link because while they were on the phonebi searched for the email and the link wouldn't work. I've had this card for 4 years now. I waited all day n never recieved the email so that night I called back. They now told me they couldn't send a new email because the 42 day window was up as of XXXX  the night before and my account was scheduled to be closed. I do not believe for a second the window is 42 days very random number n I randomly contacted them the next morning. I have never seen any paperwork that shows this number or in any recent emails do they explain this arbitrary number. They then said it wasn't closed yet but would be and there's nothing I could do even though I was in contact with them and attempting to resolve it. I explained this would hurt my credit and I would suffer financial hardship from this. They explained it would hurt my credit less if I closed the account voluntarily. This also was a red flag. I have no balance on the card n they accepted no less than 4 payments in the time frame of said 42 days. Then I was told I could write to their complaint dept and ask to reopen the account that at the time of them telling me hadn't actually been closed yet. But at this point there was nothing I could do.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/2023 I wrote letters to multiply debt collectors XXXX XXXX XXXX, Portfolio Recovery Services, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-2
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Opened a capital one 360 savings account on XXXX, XXXX 2023. Unable to access my funds for withdrawal. Its been 7 weeks and still not able to access my funds. Called capital one and they said that they were going to close the account and did not provide a reason or a closing date. It is very poor service not having access to my funds for 7 weeks now. Please close the account and send a check to my mail box ASAP.
Consumer complaint received 2024-02-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (AL)

Refused refund or manager after being denied the " guaranteed '' activation on a prepaid card. When asked why, the scammers ( Netspend ) refused to answer and put me on hold for an hour. 

I was scammed out of XXXX . Bought card for my friend, but the account was denied and the money disappeared. 

The email is mine, but the name was hers, as I wanted to help her get on her feet. 

Now I cant even get this money back?!
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

US Bank attempted to charge a card linked to a checking account. When the amount wouldnt go through due to no funds in the account, US Bank overdrafted the account and then closed it. They then sent a letter on the XXXX, that I finally received on the XXXX, that they were closing the account and may report this to a credit agency in order to collect the requested funds. The overdrafted amount is around {$100.00} and after fees, they are requesting {$240.00}.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Original contact date : XX/XX/XXXX. Contacted Capital One regarding check paid to medical office. Proof payment needed ( copy of my paid check ). Claim number XXXX. Told it would be emailed to me in 3-5 days. Didn't happen. Called again a few days later. Told it would be mailed to me in 5-7 days. I was patient. XX/XX/XXXX : called again. Spoke to " XXXX '' a Supervisor. Said it would be emailed to me in 3-5 days. I requested escalation as now I'm in collections with my doctor 's office regarding this payment. Said nothing they could do -- had to wait on the " back office '' to respond. Said it would be emailed to me in 3-5 days. XX/XX/XXXX : called again -spoke to XXXX ( manager ) and then XXXX ( Supervisor. Gave me a new number to call : XXXX. Said they would escalate with the back-office and to call back if I dou n't get it by XXXX. Provided a new email address ( my work email ). XXXX called again. Spoke to XXXX  ( supervisor ). After almost an hour on the phone going in circles she said I need to call back before XXXX as the back office closes at XXXX ( it was now XXXX ). XXXX called again. Didn't get the name of the supervisor. She said that they have emailed it to me 3 times and that they will mail the proof of payment to my home address. All this for a check of {$36.00}!! I can afford to pay my doctor twice ... by why should I have to? Capital One is able to take my money in .002 seconds when I'm paying for something, but after SIX WEEKS I can't get a copy of a paid check? I've been in the tech industry for 30 years. I've had email since email was created. I know how to check my inbox, spam, junk, search by vendor. I don't believe for one second they have bothered to assist with this request.
Consumer complaint received 2023-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

send me proof that you Community paid my taxes in 2018 sending a debit in my escrow account does not prove anything you state Community disbursed a county tax payment in the amount of {$1700.00} if thats true send me a copy of the check front and back otherwise remove the erroneous debit to my escrow
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (IL)

I recently pulled my credit report from XXXX on XX/XX/2024 and I also got a notification a new collection is reporting on my credit report. My credit needs to represent the truth according to FCRA the credit report agencies are responsible for making sure its 100 % ACCURATE, VERIFIABLE AND COMPLETE. Jefferson Capital System LLC flagged my profile deemed a negative item reporting as being late or past due. I see its a FDCPA violation to report a collection with a past due balance and I also seen on the Illinois Secretary of State theyre not licensed and bonded to collect on a debt in Illinois . They also so re-ages the debt as a new account with its inaccurate which violates FCRA regulations that this account is in fact inaccurate. The original creditor charge this account off and wrote it off as a bad debt I check with the IRS and will be sending in proof of this for this complaint. I need to see where I have proof you send me a contract barring my write signature that I owe this alleged debt to you. I need all the business transactions leading up to me owning this debt to Jefferson capital system LLC. I feel like they trying to coerce a payment out of me I need to see how all documents validating this debt not verification.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I submitted a complaint to CFPB on XX/XX/year> because I wasn't getting any updates on my credit card application from XX/XX/year>. Immediately following, I received a denial letter on XX/XX/year> from Capital One stating I was denied because I hadn't provided additional information requested/missing information on my application. 

This is false. They didn't ask me for additional info other than copy of my driver 's license which was provided. 

The letter suggests it was an issue with my credit score which was XXXX out of a possible high of XXXX. Ridiculous! 

The denial seems retaliatory for filing the complaint.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IL)

This is related to CFPB complain - XXXX. 

Money is not deposited in receiving account. 

I demand to know telegraphic transfer copy ( XXXX XXXX ) or a XXXX in the standard format of electronic communication for transfer You can not close out the case simply writing money was delivered when there is no money in my account at destination. 

It is your job to prove money was delivered as instructed.
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

This debt popped up on my credit account today I never received notification that this debt existed or to verify by law creditor is to A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered Also, if you have received a validation notice about a debt from a debt collector, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies.
Consumer complaint received 2018-09-10
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: NATIONSTAR MORTGAGE LLC (TX)

I have tried disputing with XXXX there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company MR COOPER and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.
Consumer complaint received 2023-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  THESE ARE ALL FRAUD HARD INQUIRIES
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MI)

I always paid my balance in full on or before the due date which is normally the last day of the month. 

In XXXX, I changed my Bank information. On XX/XX/XXXX, I got a notification from Goldman Sachs ( GS ) that my bank information was incorrect. 

Firstly, I tried to resolve this issue online to make the payment. Which did not work due to some technical issues. 

So, I called them and paid them on the phone by giving them the same information that I put in at the end of XXXX. 

GS charged my interest of {$72.00} because the payment was made on XX/XX/XXXX instead of XX/XX/XXXX. 

Then they gave me a credit of {$25.00} but did not waive the interest charges completely. It was not my fault that their system did not find it that the payment did not go through. 

Then they charged me {$45.00} in. the month of XXXX. Which does not make any sense. Please see the attached statement of the account.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-01
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: SYNCHRONY FINANCIAL (MN)

Purchased an item on XXXX. Seller committed mail fraud and did not send the item. It shows as delivered but it was fraud. Uploaded evidence and a letter from USPS stating it was fraud.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.