davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk  from there file. i sent the same letter to XXXX and Equifax. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the Bk from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with XXXX  and equifax. i received a letter from equifax XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called Equifax in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I went to the local bank in turlock to talk about a possible scam on my account. They sent me a. Letter saying that I had made that payment myself so they accepted the XXXX transfer to a different account.. I have been on hold multiple times by the bank and nothing ever gets resolved. I got scammed and he gained control of the online payments. And reversed them. So now I'm backed up in my payments after paying him in crypto and helping him get back. I realized he was lying about the whole thing and gained my confidence and friendship through out months. He was supposed to come back to the US in XX/XX/XXXX but is now demanding more money saying he dint Meet the agreement he had with the lawyers out there in that country. He sent me a picture of the demands. He was very demanding and was definitely a professional scammer. He made a bunch of transactions I was not aware of.
Consumer complaint received 2024-02-23
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: CITIBANK, N.A. (TX)

I am writing to you with the utmost urgency and a significant level of distress regarding the handling of fraudulent charges on my Citibank MasterCard ending in XXXX. This letter serves as a formal demand for the immediate reversal of XXXX unauthorized transactions amounting to {$99.00} each, which were wrongfully reinstated on my account following an investigation by your team. 

On XX/XX/XXXX, while attempting to purchase a XXXX XXXX online and using XXXX linked to my Citibank card for added security, my account was compromised, resulting in immediate unauthorized subscription charges from several suspicious entities. Upon noticing these transactions, I adhered to the advised protocol by first contacting XXXX and subsequently Citibank to report the fraudulent activity. Citibank 's response was to cancel my card and reassure me of the protection I was entitled to against such unauthorized charges. 

However, to my dismay, I was informed via a letter in XX/XX/XXXX that, after your investigation into these transactions, the decision was made to reverse the credits initially provided and hold me accountable for the charges in question. This decision is not only unacceptable, but it directly contradicts the assurances of fraud protection I was given at the time of reporting the incident. 

I must emphasize that these charges are fraudulent, and I neither authorized nor received any services or goods in connection with these transactions. It is imperative to understand that holding me liable for these charges not only constitutes a severe breach of trust but also neglects the consumer protection rights afforded to me under the law. 


I trust that Citibank values its customers and their security and that you will rectify this situation without further delay. Failure to resolve this matter satisfactorily will compel me to escalate this issue through legal channels and consider transferring my banking needs to an institution with a more reliable fraud protection policy. 

I expect a prompt response to this letter, no later than [ specific deadline, e.g., two weeks from the date of the letter ], detailing the actions Citibank will take to resolve this issue.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (AZ)

***PLEASE REFERENCE PREVIOUS CFPB COMPLAINT NUMBER XXXX FIRST PROGRESS RESPONDED TO MY ORIGINAL COMPLAINT DATED XX/XX/2024 ON XX/XX/2024 CLAIMING THAT A REQUEST TO EXPEDITE THE REFUND OF MY {$1000.00} SECURITY DEPOSIT WAS SUBMITTED, HOWEVER, AFTER SPEAKING WITH XXXXSUPERVISOR TODAY, HE ADVISED THAT THERE HAVE BEEN " NO '' REQUEST TO EXPEDITE THE REFUND OF MY SECURITY DEPOSIT AND THAT IT WILL STILL TAKE UP TO 10 WEEKS. 

I WOULD LIKE TO KNOW WHY THIS COMPANY PROVIDED A WRITTEN RESPONSE WITH A BLATANT " LIE ''?! 

I WAS ALSO INFORMED BY XXXX THAT A REQUEST MUST BE SUBMITTED TO THE CORRESPONDANT DEPT AT XXXX REQUESTING THAT THE SECURITY DEPOSIT BE REFUNDED. 

I WOULD LIKE FIRST PROGRESS TO PROVIDE ME WITH SPECIFIC DETAILS OF WHEN THE REQUEST WAS MADE - IE. SPECIFIC DATE AND TIME AND TO WHAT FAX # / EMAIL ADDRESS, ETC. THE REQUEST WAS MADE TO ON XX/XX/2024? 

ADDITIONALLY, FIRST PROGRESS STILL HAS NOT PROVIDED ME WITH A COPY OF THE AGREEMENT THAT I SUPPOSEDLY SIGNED ACKNOWLEDGING MY AGREEMENT TO ALLOW 10 WEEKS BEFORE I WOULD RECEIVE MY SECURITY DEPOSIT. 

AGAIN, I AM REQUESTING THAT CFPB PROVIDE FURTHER INVESTIGATION INTO THIS PRACTICE BY FIRST PROGRESS AS I BELIEVE IT IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. 

YOUR IMMEDIATE ATTENTION IS GREATLY APPRECIATED. 

XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

This company is trying g to collect a debt that I do not owe. They have purchased this account from another debt collector. Attached is a letter from the last collection company that was trying to collect a debt that does not belong to me.
Consumer complaint received 2024-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (AL)

I reached out to FLAGSHIP CREDIT ACCEPTANCE LLC for a deferment due to financial hardship. I was laid off as of XX/XX/XXXX. I called in to customer service at XXXX XXXX  XXXX requesting a deferment for my XX/XX/XXXX payment on XX/XX/XXXX. I explained to FLAGSHIP I did not have a job yet and would like to have a deferment. The next day I had collections from Flagship calling me for payment. I explained to the gentleman that I applied for a deferment and check his notes. Flagship collections stated nothing in notes, so he took my information to submit my request for deferment. I was denied on XX/XX/XXXX ( supposedly ) and email was sent to email address listed on my account. Now, I tried opening document to see this denial letter. It takes me to unsecured website and ask me to login with year of vehicle/zip code. I enter the information and receive an error message : login failed please try again. I inputted my physical and mailing zip code, no copy of letter. I spoke with their customer service 3 other times between XX/XX/XXXX thru XXXX, XXXX. I was told my deferment was denied because I did not have a job. I advised them that I was offered/accepted a job and was due to start XX/XX/XXXX, sooner if my background check comes back quickly. I was denied again. I called back XX/XX/XXXX, just started my job early due to background coming quickly and would like to resubmit deferment. Flagship wouldn't let me saying it was already denied 3 other times. So, I stated I did not understand. I was first denied because I did not have a job and needed a job for approval. Then, when I called back to inform then of my job offer/ acceptance ; I was still denied. I told them that I will not be able to make a payment until XX/XX/XXXX. I'm really frustrated with them, I just wanted a month breather to give me time to catch up. I've made arrangements for my other bills. I record my conversations with them.
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
MED DATA SYS I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Incorrect Information Reporting on Credit Bureau Dear Sir/Madam , I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a persisting issue regarding the incorrect information that has been reported by credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Despite my attempts to rectify the situation, the credit bureaus continue to report inaccurate details, including incorrect amounts and dates. 

I have recently taken steps to address this matter by contacting the credit bureaus and providing them with the necessary documentation and evidence to support the correction of the inaccuracies in my credit report. However, to my dismay, their response has been unsatisfactory, as the incorrect information persists on my credit report. 

The inaccuracies reported by the credit bureaus have had a significant negative impact on my financial profile and creditworthiness. This has proven to be highly detrimental, as it has affected my ability to secure favorable interest rates, obtain credit facilities, and even hindered my chances of gaining employment in certain sectors that require a thorough credit check. 

I kindly request the assistance of the Consumer Financial Protection Bureau in rectifying this matter. I believe that it is within your jurisdiction to intervene and ensure that the credit bureaus accurately report my credit information. I am confident that with your involvement, a resolution can be reached, and my credit report can be updated to reflect the correct and accurate information. 

Please note that I am available to provide any additional information or documentation required to facilitate the investigation and resolution of this matter. Additionally, I understand that certain personal information may be necessary later in the process for identification purposes, and I am prepared to provide such information when requested. 

I would greatly appreciate your prompt attention to this matter, as it has caused significant distress and inconvenience. I trust in the abilities of the Consumer Financial Protection Bureau to ensure that consumers like myself receive fair treatment and accurate reporting of their credit information. 

Thank you for your time and consideration. I look forward to a favorable resolution to this matter and appreciate your efforts in assisting me.
Consumer complaint received 2021-12-18
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A. (TN)

On XXXX XXXX subserviced by Flagstar Bank reported to the credit bureaus I increased my mortgage balance instead of showing my payment. This resulted in my total debt to rise and affected my credit score to incur a XXXX point loss. I had filed a dispute a week ago and tried to speak with the bank tonight who said they didnt have a person at the bank that handles situations like this. They advised me to print and submit a form I felt this was a runaround stall tactic so I informed them I would be reaching out to their governing body to file a complaint.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have a late payment on my Equifax from a company called XXXX dated XX/XX/2016. My loan was sold from XXXX to XXXX. I switched all my payments over and was never late or delinquent on any payments. XXXX reported to my credit that I was. I have a letter dated XX/XX/2016 from them saying it was reported in error and should have been removed in XX/XX/2016. It is still there and I am now unable to get preapproved for a new loan. We have sold the property associated with this original loan and the it is 100 % paid off, and shown accurately on my credit from XXXX. Ive been in communications with XXXX and Equifax and nothing has been resolved. Each company is blaming each other. I have been battling this for three years. I dont how to resolve this problem at this point. 
Thank you.
Consumer complaint received 2023-07-20
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. (IL)

15 U.S CODE & 1681 C 2 - BLOCK INFORMATION Regarding identify theft. 

accounts # XXXX  XXXX XXXX  {$28000.00} XXXX XXXX  # XXXX {$5400.00} XXXX XXXX {$430.00} XXXX XXXX  # XXXX {$73000.00}
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Three times I have tried to pay my credit card debt. Twice,  CapOne  has been unable to process payment. There is no response to the third attempt. This page summarizes the events. Numbers in brackets refer to documents, a ttached. All dates are in 2017.  I trust you can help resolve this situation.     First Attempt On  XXXX   XXXX  I mailed a check for {$9100.00} to CapOne [  XXXX ,  XXXX  ].  CapOne  acknowledged receipt [  2 ]    The check was drawn on my  XXXX   XXXX   XXXX  Account (  XXXX   ) . I have used that account for years to pay major bills ; e.g.  Federal, State, and Municipal taxes. I also use it to p ay my  XXXX   XXXX   XXXX  card in full every month. Never a problem -- until  Capital One.      On  XXXX   XXXX , I phoned Capital One to inform them I would be in  XXXX   XXXX   XXXX . From the recorded message, I learned that my account owed {$9100.00}. I called the credit card assistance number. The representative informed me that my check had been returned for insufficient funds.     I stated that couldnt be true. The representative then initiated a conference call to my broker,  XXXX   XXXX   [  3 ].  XXXX   XXXX  stated no check had been presented by  CapOne  to  XXXX . Furthermore, he stated there was plenty of cash available to cover the amount. The check would not have been returned for insufficient funds. The CapOne representative referred the matter to Research and stated it would take  2-3 wee ks.     Upon my return from  XXXX  on  XXXX   XXXX , I received a report [  XXXX ,  XXXX  ] stating my check had been returned for insufficient funds.. But there is no evidence of submission to   XXXX   or return.     Second Attempt While in  XXXX , I checked my email on  XXXX   XXXX . There was an email demanding payment by  XXXX   XXXX   [   5  ]. I immediately phoned and offered to pay the full amount by wire transfer to any bank Capital designated. The representative insisted they couldnt do that. The best I could do was pay {$91.00} in interest [ 7 ].     Third Attempt On  XXXX   XXXX , upon my return from  XXXX , I wrote to  XXXX   XXXX   XXXX , Vice President of Customer Management, and enclosed a check for {$9000.00}, my debt less the interest paid [ 1 ]. Again, I used my  XXXX  account since it has sufficient funds. I have received no reply. Meanwhile,  Capital One  has demanded that I make a minimum payment by  XXXX   XXXX   [ 6  ].     Conclusion   1.I want to pay my debt in full. ( It was a single transaction by the way. ) 2.I do not want my credit damaged.
3.I do not w  ant to pay interest and penalties since the problems appear to lie within  Capital One.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery associates do not have a license to collect a debt in California. If they do they continue to fail to provide the proof. According to XXXX consumer access XXXX XXXX XXXX  said license in Caliornia. Their if is as follows XXXX ID XXXX please confirm their California license and right to collect here! Simply buying a debt doesn't not transfer the right to collect!
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I received a call that showed up on my caller ID as USAA. 
( XXXX ). This wasnt USAA. This was somebody who spoofed their number making me believe it was USAA. I ended up losing XXXX dollars.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CO)

I cashed a paper check from my employer on XX/XX/2024 for {$2600.00}. Initially it appeared that the check was properly deposited, then I got a phone call yesterday ( XX/XX/XXXX ) from fraud management at citibank saying there was an issue and to call them back. I called them back immediately and waited on hold for at least 20 minutes. Then I was told that the check I tried to cash was deemed to be fraudulent so a hold was placed on both my checking AND my savings account. I was told the only way to fix this issue was to have the maker of the check call and verify it. The following day, I had both a representative from my finance department and a representative from the county commissioners office that I work for reach out to Citi. They still have not removed the hold. I have called them several times and no one answers ; no one even speaks good XXXX. I have been hung up on both times I have asked for a supervisor. The veracity of the check has been proven by two individuals from my office and yet all of my money is still frozen. I was also told to go to a local CitiBank office to meet with someone in person but there are no citibank offices in the state of Colorado where I live.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.