davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

deposited check into new Capital one savings account. was notified my deposit would be on a 5 day hold and set to be available XXXX the XXXX. which is very fair considering this is a brand new account. 

few days later, see i am now unable to withdrawal funds from this account. 

call capital one and they say they need me to verify an external bank ive linked. i verify and am told that the restriction should lift. 

days later i am still seeing the notice on my account. i call capital one and am told that they need to verify the check with issuer- okay. i provide the mobile number i have and am told that the number is non verifiable. its the only number we have for them and i suggested the issuer call capital one to verify. was told that is not possible. 

XX/XX/XXXX arrives and funds are available- yay! now i can pay rent, right? nope! still a restriction on my account. 

i call capital one today to attempt to verify the check again only to be met with the same response- we can not verify with this number. 

i dont see why it is my responsibility to verify check with issuer, especially since the check has already been cleared and made available. and even if so, why can they not just call up to capital one to verify any information needed?
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates XXXXXXXX XXXX XXXXXXXX for account # XXXX, and dates XXXXXXXX XXXX  XXXX for account # XXXX, this should not be late send proof now. 

Also, please pass this along.

15 USC 1681s-2 ( F )
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/2018. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( XXXX, Equifax, and XXXX ) how stressful this is and its impacting my ability to obtain credit. This is also in violation of 15 USC 1681, furnishing information to my account without my permission, and as a result of identity theft. 
The accounts that are listed on my credit profile are : XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX The inquiries listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXL, XXXX, XXXX OF XXXX Again I have no knowledge of the accounts
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

The company was a scam. PayPal refunded the XXXX incorrect payment but not the other XXXX incorrect payments. I proved that the company was a scam despite the shipping information. The shipping information was provided but no delivery in was provided because there was no delivery and no REAL shipping.
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (CA)

This " TrueAccord '' debt collection services prior to this incident I'm going to outline has contacted contacted me before and I'm not too sure how. 
Essentially, my car loan was in the air as it's no longer on my credit report. However, this debt agency had messaged me with a " 95 % '' off to resolve my debt, so to go from $ XXXX to {$790.00}. Obviously no one in their mind would do that so it was calculated. Nor do I know how they were able to obtain my information or how they knew of the circumstances before and during this. 
As well as, when I had initially clicked the link to view it about XXXX minutes after the fact, the same person representing this company resent another email. I'm not too sure if clicking on it triggered them to send another one but it was sent shortly after just viewing the image.
Consumer complaint received 2024-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (VA)

I have been working with a HUD counseling agent who has been present with all phone conversation with mortgage management company Shellpoint since XX/XX/XXXX to arrange for an extension on an existing forbearance. 

On that call we spoke with customer service representative XXXX XXXX after failing to reach my assigned case XXXX XXXX XXXX directly. We were advised to call no later than XX/XX/XXXX to ensure that a forbearance extension request was honored. 

On Wednesday, XX/XX/XXXX I contacted Shellpoint again with my HUD counseling agent. This time we spoke with XXXX XXXX agent id # XXXX after again failing to reach XXXX XXXX on their direct extension. They placed the request for forbearance extension and advised us that I should receive an answer from XXXX XXXX via email or formal letter of status of forbearance extension we should wait to call again after XX/XX/XXXX. 

Today is Monday, XX/XX/XXXX and again had a conference call with my HUD XXXX with Shellpoint to check on the status of my forbearance since I had only received one letter dated for XX/XX/XXXX that did not include a forbearance extension as one of my solutions. My hardship has not changed and I am still unemployed and can not move forward with anything other than a forbearance. Again we were unable to directly contact XXXX XXXX and spoke to agent XXXX XXXX who also failed to reach XXXX XXXX multiple times. They placed an escalation on my request and were told that an answer would be provided in 3 business days and to contact them again on Friday, XX/XX/XXXX. I am concerned because previous conversations that my forbearance would end on XX/XX/XXXX. My assigned agent has not contacted in quiet a long time and they have contacted me on at least XXXX different emails and has refused to communicate several times unless I included their Loss Mitigation team making it very hard to have a consistent and reliable form of communication.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CAPITAL ONE AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX ; XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IL)

Robinhood sold all my account stocks. Closed my account, transferred the amount of cash I funded the account. But didnt transfer the profit my account made. I can not withdraw {$320.00} of profit from my account as Robinhood closed my account and disable withdrawal. Ive been waiting for over 15 days for all of the money to be transferred to my checking account. But to no avail, the profit has not been moved in the 15+ days.
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

I am writing to file a complaint against SELF Lender and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX is reporting the wrong names, addresses, and account information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong addresses Wrong account information- account that are over 10yrs old and closed, reporting late payment on closed account, reporting late payments on account in deferment.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK (MN)

I had an online savings account with Vio Bank. At some point, this account was closed. 

I called them to get information on the last transaction or disposition of the account, and they told me that they could not provide me with that information. I tried logging into my online account, and gave them my username, which then has a popup to verify my account by texting me at my mobile phone. I received the account code and tried to log in and it said that I needed to check my cookie setting. Which is wrong. 

So I called them to see if I had closed the account, or if it had been closed because of inactivity or something. They verified my information, but then told me that I had no account and they could not tell me when my account was closed or how it was, but that they would never close an account if it had a balance in it. I told them that wasn't true, there are state escheat laws that could require them to forfeit an account to a state under some circumstances. They said nevertheless they had no information and could not retrieve anything, but were sure I would have gotten my money from the account. 

it is possible that I even closed it, but in order to ensure that the money came to me, I want to be certain.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (OK)

No letter received to verify debt. If they " think '' this debt is valid, they must send me the following : copy of their purchase agreement, copy of original contract, name of original creditor, payment history, and debt validation. They put this account on my credit reports, WITHOUT notifying me, or sending letters.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kinum, Inc., Indianapolis, IN Branch (LA)

I emailed Kinum Inc at their provided email address ( XXXX ) on XX/XX/year> at XXXX XXXX XXXXXXXX to revoke my authorization for them to charge my credit card on file. I have been trying to rearrange my funds so that I could pay it with a different card, but that card hasnt arrived yet. They did not honor that request and still continued to attempt to charge my credit card. After failed attempts to reach them on the phone ( the line just kept ringing ) I emailed them again on XX/XX/year>, forwarding my original email, and reiterated that my authorization had been revoked back on XX/XX/year>, but still no response and my card was still attempting to be charged. I finally got in touch with someone on XX/XX/year> and they forwarded me to a manager who wasnt there and went to voicemail. I called back, and was transferred to XXXX XXXX who admitted, on a recorded line, that they received both emails, but that only today did they finally cancel payments on my credit card. I requested for that information to be sent to me in writing and she refused. She said she was going to transfer me to her manager, then she hung up on me. I called back and asked to actually be transferred to her supervisor and thats when I spoke with XXXX XXXX who also confirmed receipt of my emails, but also refused to provide any documentation stating that they received these emails, but that the cancellation of payments wasnt done until today, XX/XX/year>.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

XX/XX/year> - noticed phone and wallet missing, Later on same day I recovered my phone and not wallet, didnt notice I had a unathorized withdrawls from my bank depositing XXXX dollars from my bank onto cashapp till I recovered my phone. 
Disputed charge, same day told them what happened they denied my dispute, disconnecting my bank from cashapp, The process of disputing with cashapp is confusing and repetitive, I thought I appealed the denial, they still wont refund me saying this was a transaction from me, again my ohone was stolen with my wallet XXXX, I didnt notice it was gone till the next day im already having enough trouble in my regular life to keep up with disputing this, I told them the informaTION requested and they keep denying it
Consumer complaint received 2023-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am filling this complaint to formally dispute the information contained in my credit report, specifically regarding XXXX XXXX XXXX and XXXX. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX 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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sunbit, Inc. (MD)

On XX/XX/2023 I received a notification from a credit monitoring app that my XXXX  credit score went down XXXX points. After researching I found this was done by XXXX for a loan I took out on behalf of my brother. After calling them they told me he missed XXXX payments. I asked them why I wasn't informed this and the agent informed me that they did send warnings but to the wrong email. No notifications were sent to the email, phone number or address I entered when I applied for the loan. I did not authorize any of this information to be changed. The only notification I received about the payment was a letter to my address dated XX/XX/XXXX, which was over 3 months past due date. When I spoke to the agent over the phone he assured me that if I made a payment for one of the past due months and set up a payment arrangement for the remaining payments I would not be reported anymore. A few weeks later I was reported again to lose XXXX more points. I continued to call the company while recording our calls as they do and I was lied to several more times, hung up on and even found out the original person I spoke with no longer works with the company. I was also told by my brother that he did attempt make payments but they were taking too long to take the money out of the account so he thought it was already paid when he continued to spend from that account.
Consumer complaint received 2023-09-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.