davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Specialty Northwest, Inc. (OR)

Creditors Specialty Northwest Inc. has sent me 3 written notices. None of which have included a statement describing my right to dispute the debt. The first notice instead states : " In your own best interest, we urge you to pay this account immediately. Please contact this office and make arrangements for taking care of this legal obligation. '' Put simply, they never provided a statement about my right to dispute. If anything, their first notice vaguely threatens that if I do not pay them, I will face legal consequences.
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I sent Capital One two Legal Notices, and two Promissory Notes, via Priority Mail, that they received on XXXX, 2017, Tracking Number : XXXX. 
The Legal Notices and Promissory Notes were for accounts ending in XXXX and XXXX ; I specified that the Promissory Note is Legal Tender, and a Negotiable Instrument in line with the Uniform Commercial Code, and the GAAP, ( Generally Accepted Accounting Principles ) which are the guidelines that banks are supposed to abide by. 
XXXX XXXX XXXX failed to take action on my Negotiable Instrument in the allotted time allowed by law and is refusing to except my Negotiable Instrument as Legal Tender to satisfy and discharge the debt that I had with them, in spite of what the law says. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by XXXX of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item. 
UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid 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. (FL)

On Sunday XXXX I called Citi Bank to report our card was lost while on vacation and there had been some high dollar transactions made on my card. An agent named XXXX called me back and left a message on Thursday XXXX asking to give them a call back. When I spoke with her she said some transactions were not reported, so we got that straightened out. XXXX then began asking me what happened, to which I told her i believe the card and my ID was left in a taxi I took while I was on vacation, she then told me my story was not making sense and asked why I did not file a police report, and then stated they need a police report and plane tickets. I don't know why this would be required, or why this has become such a more embarrassing issue than what it should be, as if I am to blame for these transactions. She would not answer my questions about the claim or the process and I asked to speak to a manager. I was told I would receive a call back from one today XXXX and I have not gotten a call back from anyone. She also told me she would be sending me an email with information they're requesting and I have not gotten that either. I am worried about these transactions still showing on my credit report and on my account and I am afraid I am not going to be given a chance to have this resolved. It was the most unacceptable encounter I have ever had with a financial institution and refusing to file a fraud claim or even delaying it once have already told them I lost my card is just horrible business practice.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX  XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XX/XX/XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME ''  account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MO)

In XXXX on 2022 I made a purchase from XXXX XXXX XXXX ( owner of XXXX XXXX XXXX XXXX XXXX XXXX ) for a pair of custom made pro wrestling trunks the purchase was made between XXXX XXXX and XX/XX/XXXX of 2022, for a grand total of {$180.00} fees included. I was given a completion date of 4-6 weeks after payment was made, over the course of 15 months, I was give excuse after excuse by XXXX XXXX on why my order was not completed or shipped, from seamstress issues, to travel and injury issues, to being told they were in progress, to being told he didn't have the material. At one point XXXX XXXX offered to send me " 3 bottles of the gas '' a reference to illegal injectible steroids for the year long dealy in my order, I asked for a refund, and was told no bc it would put XXXX XXXX out XXXX $ somehow on materials he never ordered. I escalated the issue with chim to dispute the charge as items not received. And over the past 2 months chime has concluded there to be no error, with each denial I requested an elevation to see what documents the used in their findings, and each denial reason has been proven false with the 10 documents I submitted to chime, with highlighted notations on information pertaining directly to the dispute case. Several times my dispute would be opened, denied and closed in a matter of hours, proving to me the disputes department at chime does not take the supporting documents into consideration when requested. In the last few months XXXX XXXX has stopped reading and replying to my requests of updates on my product, while posting to his social media looking for a wrestling ring ( XXXX cost ) and even sitting in airport lounges drinking the day away.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NY)

Emailed the loan representative, her manager, and manager 's manager about the unauthorized credit pull on XX/XX/22. Emailed them twice, and called once and left a message. No response from anyone.
Consumer complaint received 2020-12-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC. (TX)

XXXX XXXX from XXXX XXXX XXXX called on XX/XX/XXXX at XXXXXXXX XXXX  and XX/XX/XXXX at XXXX XXXX. I asked several times if he could send me my running balance with complete payment history and several times he said he didn't have it or couldn't provide one. I called Ally Financial the original debt collector and they weren't able to provide a running balance with payment history either. On both phone calls, XXXX said I would get charged more fees and interest, even though my credit report said it has been Charged off since XX/XX/XXXX. I feel like XXXX wasn't forthcoming or honest it took us going back and forth before he could send a partial history. It was not fair and it is my right to get this information since I'm questioning the balance due. I felt like it was hard enough to pay down my balance but then to be told that if I don't handle the balance right then, that I would be charged additional fees and interest is very disheartening and mentioned that I could also be sued for the balance.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: U.S. BANCORP (OR)

Someone has put my information out to home loan applicant U.S bank mortgage company as well as XXXX XXXX trying to pass off as me wanting a loan from them. They ran a credit check on me which impacted my credit score. All this was unauthorized by me. This credit check was made XX/XX/2023. I have already made a report to the local sheriff 's office as well as trying to contact U.S bank and XXXX XXXX XXXX When called I only got the recorded line and have yet to receive a call back. I called XX/XX/2023.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (FL)

Coinbase allows you to transfer any coins and funds into a XXXXXXXX XXXXXXXX. So XXXX in bitcoin was transferred I to this XXXXXXXX XXXX to now find out bitcoin is not supported by the XXXXXXXX XXXX and its an outside wallet that bitcoin is not able to recover and the funds are gone and not able to be retrieved. I do not understand why they would allow sending the bitcoin to this wallet to even be an option if its not supported by the app.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland funding LLC. XX/XX/2022 added {$1.00} to my account causing my score to drop XXXX pts. And starting a new time-line for the account. I disputed the charge and was given {$1.00} credit. I'm not sure about the time-line. Damage done XXXX will not return my score back to the original score. I also sent letters to Midland funding requesting all documentation on the account and to stop contacting me. No response. I feel both Midland & XXXX have committee fraud against me.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Case reference : XXXX Wells Fargo Bank which I has been a customer since 2017 lied to me over the phone telling me every time I called a different story First they told me they need to verify a transaction sent to me by XXXX XXXX on XX/XX/XXXX for XXXX $ they needed documentation when I called again they told me they needed a notarized document signed by XXXX on the third call they told me they needed a Bank Letterhead from the sending bank. Finally I was able to sent the contract made before the sell was conducted they told me arbitrarily that it wasn't enough evidence. 

Also they told me that the only account that was gon na be closed was the affected one and them they are closing my whole relationship So I putting on this complain because every time I call a different story it's being told to me PRIVATE XXXX video of XXXX XXXX declaration XXXX : XXXXXXXX XXXX Also this was a private transaction that I made for me I needed to sell some BTC I own and I do it privately sometimes with all the due compliance and verification needed for a transaction this size. 

Who are you guys to decide what documentation is valid or no?
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My mortgage is serviced by XXXX XXXX XXXX  - Loancare. I purchased my house in XXXX, have never missed a payment, and have put significant investment into the home, and there has been an increase in overall value in the surrounding area. When I took out the mortgage we only put 10 % down and then invested cash into the home to improve it, so we are paying PMI on our loan. After significant improvements, and the increase in value of comps sold in our area, we requested to have PMI removed in XX/XX/XXXX. After numerous delays and after me calling into their customer service over 10 times, I finally had an appraisal set up through the Mortgage company 's required appraisal company, that we had to pay for personally. 

The appraisal finally took place in XXXX and came in much lower than anticipated, which was obviously a shock to us. Since the number was so much lower than any other comps in our area, I paid another appraisal company to review the appraisal and conduct a new appraisal on the property. That appraisal came back much higher and where we were expecting the first appraisal to be, and the company highlighted numerous errors that submitted on the previous appraisal. 

After submitting the new appraisal to the mortgage company, along with a letter outlining the errors in the appraisal they provided, they are simply not responding and not moving forward with removing the PMI that I have requested in writing no less than 5 occasions over the past 2 months. This leads me to believe they are paying an 'exclusive ' appraisal company to value their properties much lower than their actual values in order to keep forcing their customers to pay PMI, even with loan to value ratios that are above the HPA required 80 %. This is fraud on a widespread level, I'm submitting this complaint to the CFPB in order to demand action be taken, however my next step will be small claims court.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX number is : XXXX My addresss is : XXXX XXXX  XXXX  XXXX XXXX  XXXX My employer is : XXXX XXXX XXXX My Date of birth is : XX/XX/1991 Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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 2018-01-08
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: Diversified Consultants, Inc. (MS)

Diversified Consultants Inc. was sent an initial dispute letter in XXXX XXXX of an incorrect reporting of a collections on my credit report. I have sent this company 3 letters with 2 of them being certified by mail letters in which Diversified Consultants never responded. Since they are a third party collection agency, I requested an original signed copy of this account with my signature validating this account belongs to me. This collection account that is listed as XXXX on my credit report does not belong to me. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last  Payment Date listed as XXXX/XXXX/XXXX is inaccurate and does n't exist. Diversified Consultants Inc. has not only violated federal and state laws by not replying to any of my certified letters, but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing this account belongs to me and is being reported accurately. I am requesting that they delete this from my credit file immediately.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

I had received notice of an attempt to collect the debt in the past, but I've been unemployed for 2 years and my spouse had been unemployed for most of the last year, so I held on to the information. I reached out to the debt collector on XX/XX/XXXX through their contact portal. I specifically told them that I was currently employed and would like to negotiate a settlement since I was currently solvent through email. I received an immediate verification that they had received my request and would respond back, via email as requested, to my request. I've not heard a word and my request was to only receive email communication. Since I'm willing to negotiate a settlement, I figured they would want to work with me quickly, but this seems to not be the case. I also require debt verification at this point according to Texas debt collection laws, which I've not received. The Texas laws can be found on the Texas Attorney Generals website.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX  account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME '' account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (VA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
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. (FL)

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference.

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.