davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question.

5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (GA)

I have been disputing the fraudulent inquiries with Equifax to remove them in my report yet they keep on invalidating my documentations that i sent. I do not know what is in their system but i have the right to a fair credit reporting. I have been calling them and sending them documents since last year. I want those fraudulent inquiries to be removed as soon as possible. I have the right. I know i followed every instruction that the FTC instructed me to do. So Equifax should better remove them. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (SC)

On XXXX XXXX, I purchased {$6000.00} in XXXX through XXXX and it was deposited same day into a Kraken account. There is an automatic 7 day hold on new account transactions. After 7 days, I attempted to withdraw from my account and was denied. No error messages, no explanation. I tried to withdraw in dollars to return to my bank, denied. I contacted Kraken support and have been repeatedly stone walled at every request for what the problem is. Kraken support has been zero support. Kraken has kicked me over to what they call email support. Email support has not responded to any of my emails about what is going on with my account. I got a couple of emails the first day and at the bottom it says my inquiry is pending which means they are waiting on me to provide something but it doesn't say what I am supposed to provide. So, I have sent several emails to Kraken support asking what is it they need. Nothing, no response. So, I go back to the regular support/Live chat and they basically say its Kraken 's Email Support job and they can't do anything. I have the transcripts of one live chat. I asked for the transcripts of my second live chat and they said I would get a copy, which, of course I haven't received. I was told that making inquiries would only delay action on my account and to not keep inquiring about the problem. What?? They said give them some time to work on it. I asked how much time should I give them before inquiring and they said they can't give me a time frame for response. In the meantime the value of my XXXX has increased but I can't do anything with it, and Kraken essentially refuses to release information even the simplest nature of what they are doing or what the problem is. One live chatter did say had been kicked up to Senior Management> What? Senior management needs to get involved in a new, small {$6000.00} account, I can't believe that is possibly true. Their organization would grind to a halt if Senior personnel had to get involved in such a minor case
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On XXXX of XXXX I had requested that Wells Fargo provide me online access to my account as well as set up the option that when transactions are made I get a text the banker told me she would do it and never did Sometime in XXXX Wells Fargo changed my address on file without my permission as well as updated my phone number and my mailing address. 

On XX/XX/XXXX I found out that there was about XXXX missing from my bank account when I called Wells Fargo I opened a claim for some of the transactions I still wasnt able to get online to see my transactions and I havent got a statement from the bank at this time I requested that I get a print out of all my transactions so I can see what was going on Wells Fargo denied my claim saying that I made the transitions when I didnt authorize the transactions On XX/XX/XXXX I got my print out of all my statement and I find them more transitions opening another claim however they are saying that I made the transactions using my XXXX XXXX i spent 4 hours on the phone with XXXX trying to figure out what was going on and how these transactions were made XXXX  XXXX me that my XXXX  XXXX didnt make the transactions and they were not able to see a record of them I called Wells Fargo back and told then that happened and they told me the claim was denied I am completely frustrated with Wells Fargo because they have denied me access to my account they have allowed somome to take my money and they have also done everything that they could to let somome take my money without me knowing and I am hoping that Wells Fargo is able to give me back my money if not I am and will be moving forward with hiring a lawyer and will have to get my money back that way because Im not just going to let Wells Fargo take about XXXX from me and say theres nothing more they can do about it
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I call Equifax weekly as they do not have an email address or a specific case manager to speak to. The people who answer the phone have no information to provide. And can not transfer you to anyone. They have no one to help. This is a disservice and unlike any other credit reporting agency.

I have provided the necessary information to remove additional files from my credit report as a result of XXXX XXXX.

I keep getting an email saying I need to get all my information. And not email them back because the email is not monitored. 

I do have all the information, and it was determined in XXXX that I did and had other information removed due to this. 

They have no process by which to handle XXXX XXXX adverse information removal.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account from all three credit reporting agencies due to the violations : CAP ONE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank XXXX XXXX XXXX XXXX  XXXX NY advertised a bonus for offering a credit card. When I went to apply for the card, I filled out the necessary forms. When I was denied the credit card, I learned that I must unfreeze my credit reports .... which I did for 7 days. However, Citizens Bank insisted that I must unfreeze for 30 days. I don't understand why 7 days isn't enough time for Citizens Bank to learn about my credit history.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

Thank you for having the client resolution team contact me yesterday. I spoke with XXXX XXXX on XX/XX/XXXX. 

I have been a stockholder for over 25 years and an account holder since XXXX. 
I was concerned how XXXX XXXX on behalf of XXXX XXXX responded to my concerns. 

I am concerned that she was dismissive of inconsistent policies that could be a tantamount of racism. 

She gaslighted me and said she was sorry I felt that I had been mistreated. She needs to be trained on this as it does not show sensitivity. I was in tears and traumatized when she said this as she minimized my experience which again was based on race due to inconsistent policies. 

She refused to acknowledge that a consistent policy for making deposits should be posted visibly for customers. She said the policy was internal. I note lack of transparency. 

I explained to her that at different branches that some tellers make allow a cash deposit with a deposit slip alone, some request your debit card and some request your debit and ID. I will provide whatever is requested as long as it is consistent from customer to customer. I have even had tellers to tell me that they dont ask for ID if they know the customer. This puts the bank at risk for liability when policies are not consistent. 

At the ATM, when a cash deposit is made, only a debit card is required and not a drivers license. 

XXXX XXXX and all employees at the bank need diversity, equity and inclusion training to address their biases. XXXX XXXX sounded like she had antiquated views about diversity and failed to understand that biases do exist. She did not want to acknowledge this. 

I note the tellers that treated me differently and the resolution team members that have contacted me on behalf of XXXX XXXX are not people of XXXX and insensitive. It was clear that XXXX XXXX does not understand concerns of people of color. 

XXXX XXXX went on to read every group listed in the non discrimination statement and said Truist does not discriminate. She simplified the issue of diversity and inclusion and made it out that just because this statement exists that discrimination does not exist at the bank. 

I am dismayed that someone at her level on behalf of the ceo would be so insensitive about my concerns. Thank you again and I do hope the bank develops consistent visible policies. 

Thank you so much, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NC)

I have been under doctors care therefore the payments has been made after the XXXX of the month. But, the payments has always been made before the grace period. I understand that payment made after XXXX XXXX  is processed the next. My payments has been held for three and four days to process. Most payments are made at XXXX XXXX, an still takes the payments three and four days later. I have called the office without any resolve. Then the company place between XXXX XXXX to my account. 

I have called for a payment plan and reason for additional charges since XXXX. I also try to setup {$200.00} bi monthly auto pay to avoid the problems. This is in addition to my payments with resolve. I believe the government have came across evidence the dealership and maybe the financial company has employees that being paid to cause problems.

When additional purchasing the vehicle the salesman made remarks that my daughter or someone had approval rights. I have asked for clarification but refused. It amazing how the seat covers was supposed to be stain resistant but has stains. I have been making complaints about the trunk sensors and lock been off from the beginning of the loan. I've also been complaining about the emergency parking, driving stabilizer and the tbs monitors not working correctly. I also has had the gas gauge malfunction in the last 3 months. Lastly, I had to change my tire. I was told that the car contains wheels locks. I never received wheel lock keys and from my 14 plus visits at the dealership no one ever mentioned wheel locks.

I never received wheel locks. That's odd, the individual who purchased the care never received the wheel locks for the car. I spoke to the dealership, once again no return call. I have experienced lemon law, car malfunction problems without any help but the payments are still made. 


I also have federal cases involving private entities in XXXX. I believe the dealership and the company is entangled in this case to cover their back by charging fees and hold payments to access misdirect fees. The company knows the car tech and safety features had been malfunctioning. 

Lastly, I reply to a trade in request. The company had the salesman making an announcement that errors was made on the account. I have paid the note responsible. I was trying to get a safer car and ignore the misdirect fees, malfunctioning car, car repairs error just to start over. But, the company tried to make embarrassing statements.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX no acct # becase none is on my consumer report if this accout was charge off since XXXX i never recive a XXXX showing any imfo on this 15 US 1681-s
Consumer complaint received 2024-05-20
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: SYNCHRONY FINANCIAL (AP)

The company hadn't sent a card, nor any type of communication stating that I had a due balance. There was no way for me to pay without knowing my account information ( card number ), nor was I given any notification until they'd already penalized me and reported it, which I didn't authorize. I immediately closed the account after this incident and synchrony denying their role, however, the account didn't reflect as closed until months later. They also put a new XXXX  day late notice on my transunion account last month ( XX/XX/2024 ).
Consumer complaint received 2023-08-07
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me.

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report.

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX  days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

This is Navient, and considering that they have one of the worst scores as a student loan company, it's not surprising. I am enrolled more than half time in school. They argued with me that I wasn't until I guess they were pushed into the wall. They have used my voluntary forbearance and deferment before while I was in school ( for months and months before ), even though I was clearly on the clearinghouse ( I checked ). They are now refusing to clear a late payment even though it was their issue to try to intentionally default the loan. I believe they need to be audited in how they are handling forbearance and deferment. I think they are cheating students out of theirs.
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: Freedom Mortgage Company (MA)

The mortgage bank reported my name to the credit bureau for late payment in XXXX. However, I had made the payment seven days before the XX/XX/XXXX bank statement to prove it. Then, on XX/XX/XXXX, my name was reported again due to insufficient funds. However, my financial institution denied that allegation. Later, on XX/XX/XXXX, my financial institution contacted them regarding the funds they took on XX/XX/XXXX. They had reversed the payment because they claimed they never received it. Despite this, my name is still reported to the credit bureau. And now, in XXXX, my name has been reported again for late payment. However, the payment was made on XX/XX/XXXX, and the bank statement and account activity letter prove it. If you need proof, I can send all of the statements from those months. statements.
Consumer complaint received 2024-05-20
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: M&T BANK CORPORATION (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

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Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC Acct # XXXX Collection account. {$1000.00} past due as of XX/XX/year>. 

I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.