davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick K Willis Company Inc (VA)

XXXX XXXX XXXX is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.

( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX  who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B )
Consumer complaint received 2021-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (VA)

Have been emailed on XX/XX/21, XX/XX/21, XX/XX/21 to collect a debt that my father owes. They keep message me as if I am my father XXXX XXXX. TrueAccord account number is XXXX. The company is TrueAccord at XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. And they say it's for a XXXX account ending in XXXX. They also refer to an XXXX XXXX XXXX in the email too. Plus when I called to resolve this situation with their company I was hung up on and had my phone number blocked.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

Hi CFPB, For chase credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (TX)

I was sent an unsolicited Brink 's Money Prepaid Mastercard. I did not apply for this card. In the mailed letter sent to my address, it has a bank name ( that is not Brink 's ), an account number, and a routing number all associated to my name and address. This letter also included the Brink 's Money Prepaid Mastercard with my name on it. On the back of this card, the logo for netspend reload is present. I looked online to review these companies listed in the letter and on the back of the card. I contacted the bank first to cancel the account but they said they could not do so because they did not have my information and it was best for me to contact Brink 's Money. I called the customer service number to Brink 's Money and was unable to speak with a live customer service representative. The call had only an automated voice. I either had to enter the card number or my social security number. For more options I pressed star key which prompted to press 1 for lost or stolen card or 2 to request a refund. I was suspicious of these options so I did not enter any card information or ss #. I noticed another number to " OPT OUT '' of future mail offers and proceeded to call. I was not able to speak with a live representative and was forced to enter the card number as my only option to cancel the card. The automated voice said it canceled the card and that it opted me out of future mail offers but I did not receive any confirmation number for this call to cancel the card. I sent an email to XXXX to ask for confirmation. I did not put my personal information, bank information, or card number ; only signed my name at the bottom of the email because they already have my information and did not want to disclose it in the email I sent to them. I am waiting for any kind of confirmation number or letter that it was closed and canceled.
Consumer complaint received 2020-05-07
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: Nelnet, Inc. (MA)

I can't believe what I saw on my credit report.. It says late 120 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history. 

DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Hi CFPB, For XXXX XXXX XXXX XXXX my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and Experian credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am closing on a home in a week and need to transfer funds to my title company. Capital One 's system will not authorize the transfer and I can not do it in person. I've had the same phone number and account for over a decade, no issues in the past and they will not authorize me to make a wire transfer.
Consumer complaint received 2020-05-07
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: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (FL)

I paid off my mortgage on XX/XX/2020 in full. On XX/XX/2020 Arvest Central Mortgage reported my account in foreclosure well after the account was paid off. This has been and still is affecting my credit during a pandemic. I have tired to resolve this issue but Arvest refuses to help and calls this complaint frivilious. This has affected me and my family for a very long time. They have ruined my life and my credit.
Consumer complaint received 2021-01-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

Carrington Mortgage company settled with me, a XXXX veteran, on a short sale buyer in 2019. They have now filed a 1099-C form illegally by seeking the benefit of a 1099-C and a guaranteed loan by the VA. Please help us get the 1099-C revoked.
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: SLM CORPORATION (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I mailed a dispute to Experian the beginning part of XXXX and I received the results today Report # XXXX and nothing was done other than updating with incorrect information and this has caused a tremendous drop in my credit. It is the Agency 's  responsibility to provide the consumer with validation and verification of these debts and this hasn't been done as of yet. You updated my report with the following incorrect information : XXXX saying it was charged off in XX/XX/XXXX, I DON'T HAVE A XXXX CARD SO THIS IS FALSE INFORMATION XXXX XXXX XXXX UPDATED THIS WITH CHARGE OFF INFORMATION SINCE XX/XX/2018 AND AGAIN, I DON'T HAVE OR HAD A XXXX XXXX CARD XXXXYOU UPDATED THIS TO BEING CHARGE OFF AS OF XXXX, L XXXXI DONT HAVE A XXXX CARD SO THIS IS FALSE INFORMATION YOU CAN'T JUST PUT INFORMATION ON MY CREDIT FILE WITHOUT PROVIDING VISIBLE PROOF OF VERIFYING AND VALIDATING. THIS GOES AGAINST THE CREDIT LAWS FCRA ALSO THE FOLLOWING CREDIT INQUIRIES NEED TO BE DELETED ALSO AS THEY WEREN'T AUTHORIZED : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX THE FOLLOWING ADDRESS DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DO NOT SEND A BOGUS RESPOND BACK SAYING I DIDN'T SUBMIT THE COMPLAINT WHEN IT IS COMING DIRECTLY FROM MYSELF. IF YOU DONT CORRECT THIS HUGE ERROR, IT LEAVES ME NO CHOICE TO PURSUE A LAWSUIT AGAINST EXPERIAN FOR NOT FOLLOWING THE LAWS
Consumer complaint received 2020-02-22
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. (FL)

2017 I opened. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. After I paid the accounts off on time they were removed from my credit report.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened an account with XXXXXXXX XXXX XXXXXXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

EQUIFAX HAS NOT FIXED THIS ISSUE. I am requesting EQUIFAX VERIFY PURCHASES with ORIGINAL WRITTEN DOCUMENTATION OF ITEMS ORDERED FROM MY IP ADDRESS SIGNATURE ITEMS WERE DELIVERED INTO MY HANDS WITH ORIGINAL WRITTEN SIGNATURE DELIVERIES ACCEPTED. I AM A DISABLED VICTIM XXXX XXXX XXXX XXXX OF ID THEFT FTC case XXXX. Reported to XXXX XXXX  XX/XX/XXXX XXXX FIVE NEW CARDS ISSUED from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX AFTER I REPORTED THE FRAUD. See attatched XXXX  letter dated XX/XX/XXXX. ** These transactions CLEARLY WERE reported timely. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION POSTAL INSPECTION SERVICE USPS DELIVERIES NOT MADE ZIP CODE AREA XXXX. ** XXXX  REFUSES TO PROVIDE ORIGINAL WRITTEN DOCUMENTATION DELIVERIES ACCEPTED ie picked up post office orignal signature PURCHASES WERE MADE BY ME ie WRITTEN ORIGINAL DOCUMENTATION MY IP ADDRESS & DELIVERED INTO MY HANDS WRITTEN SIGNATURE OF RECIEPT. Proof of burden XXXX  needs to CONFIRM I RECIEVED THESE GOODS. THESE ARE UNAUTHORIZED TRANSACTIONS. I SWEAR UNDER OATH TRUTH WHOLE TRUTH NOTHING BUT THE TRUTH. XXXX   COLLECTS ON ID THEFT WHICH IS ILLEGAL. These provided to XXXX XXXX  corp office FRAUD PREVENTION & ONCE REFERRED TO BRANCH OFFICE AFTER A YEAR IN CORP OFFICE ** ( XXXX ) FIVE BANK BRANCH OFFICE XXXX XXXX EMAILS UPON REQUEST CONFIRM 12 PAGES OF DOCUMENTATION RECIEVED ** DISMISSED. WAITING RESPONSE CORP FRAUD PREVENTION. XXXX  CLAIMS ALL COMPLAINTS I SUBMIT TO CFPB ARE DUPLICATES. THIS ONE PROBABLY WILL BE DISMISSED AS DUPLICATE ALSO. NEVER RESOLVED. I DEMAND EQUIFAX VERIFY DELIVERIES ACCEPTED INTO MY HANDS WITH WRITTEN SIGNATURE DOCUMENTATION.
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (MN)

I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. There are 2 bills with this company Phoenix Financial Services and they are causing me bad credit ratings.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (WI)

On XX/XX/XXXX my account was closed by Pnc they froze all my funds I called them to see what was going on they told me it was up to the bank to end the relationship so I went to the branch where I opened the account I spoke to the banker that opened my account he spoke to one of the departments and he was told It was an issue verifying my information he explained it was a typo on his end asked if he could fix the issue and have my account remain open or release my funds to me they also told him no so on XX/XX/XXXX I spoke with XXXX XXXX from retails she acted as if she could help me or better assist me but then she turns around and says sorry its nothing more she can do my account is closed I have to wait 7-10 business days for a cashier check then on XX/XX/XXXX I spoke with some from the retail department because I had a XXXX sent to that It was for XXXX $ and it says pending so I called and they were like your account isnt closed its on hold and Im like last week I was told it was closed and he reassured me it wasnt so at this point Im seeking a lawyer because my account was closed because of error made by the bank also my funds was taking away from me during a pandemic and Im a mother of three and I have bills to pay also I was told my funds couldnt be released to me because it was closed then to find out its not is wrong because when I was at the branch they could have given me a cashier check then
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

Dear CFPB, My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL XXXX cell : XXXX I would like to complain about Coinbase ; a company registered with XXXX. 

Coinbase , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX is not regulated in the United States where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes. I had opened an account with Coinbase to purchase and hold my cryptocurrencies. While Coinbase accepted my deposits, they completed transactions with a company called XXXX. This company took my cryptocurrencies and disappeared. I have attempted to contact both XXXX, Coinbase, as well as : Legal Department / Complaint Department Date : XXXX Coinbase XXXX, XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
mailto : XXXX All attempts to communicate with these entities are ignored or denied accountability. The institution ( s ) has been silent on the issues raised in the letter and refuses to respond after several attempts of communication. 

I would like to have my deposits returned to me. 

Attached, you will find a copy of my deposits and transactions, along with the account numbers ( wallet numbers ) involved in the scam. 

It is my hope that you can assist me in recovering my stolen funds. Thank you. 

XXXX XXXX
Consumer complaint received 2020-05-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Catch Financial Inc (CA)

I have been banking with CatchXXXX off and on for the last couple of years, I logged in this month, and my balance showed as {$24.00}, and I started depositing into the account. It's an automated savings program meant for XXXX, so they automatically pulled money from my account, and now I'm being told they can't find it. 

Apparently my account was garnished in XXXX of 2019 by the state of California. Catch never notified me of this. In addition, it appears I'm overdrawn in the account, but they can't tell me the fees involved, or why I've overdrawn. I have over 400 dollars that I have no idea where it is. I desperately need this money, XXXX of it is from the Stimulus check
Consumer complaint received 2022-03-29
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. (MD)

In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX to a hostile zone ( orders attached ) during that time XXXX XXXX XXXX reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to active duty armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a combat zone, aboard a U.S. vessel, or away from their usual duty stations. I had requested through XXXX XXXX XXXX to remove the item and through XXXX and XXXX and transunion however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what XXXX XXXX XXXX had reported to them.