davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Started a new job and attempted to deposit my first payroll check on XX/XX/2023. Since it was after XXXX XXXX XXXX XXXX XXXX  my time ) The check was processed on XXXX  XX/XX/2023. I then received an email from Capital one Bank which states that after an indepth review the deposit may be a risk for payment default. I had to wait 5 business days for my funds to clear and they only cleared it on the XXXX XXXX because I called and begged a manager not because of any structured automated system. This put an economic strain on my life because I had to ask for a loan which I now owe with interests thanks to the arbitrary decisicion that capital one took to withhold funds on my XX/XX/2023 deposit. 
I never the less gave them the benefit of the doubt, until this past week when I deposited my XXXX check ( XX/XX/2023 ) and Now in typical fashion my funds are being held until XX/XX/2023. The problem is this bank no longer provides service of physical ATM 's where you can deposit and do your banking they refuse or wont stop the " processing '' of my check so I can then open up another bank account with a more reputible financial institution. I am pretty much being held hostage by Capital one and its putting a great decline in my mental, physical health because I can not buy any living essentials and may lose my job because even after countless phone calls I can not get any funds released. I have already spoke at length with my job 's accouting and the funds have been taken out of my jobs account, meaning capital one is ruining me instead of " Protecting '' me like they claim. I can't even get to work in my own car or order any kind of service to get to work. Im broke not because I refuse to work, no Im broke because Capital one bank wants me to be broke, malnurrished, and depressed.
Consumer complaint received 2023-08-22
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: VW Credit, Inc (CA)

According to the Fair Credit Reporting Act 15.USC.1681 section 602A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15.USC.6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15.USC.1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15.USC.6802. ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure option. Not only that 15.USC.1681.C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which dates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S.Code1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12CFR1016.7 states that " A consumer may exercise the right to opt out at anytime. 
" I am opting out of your reporting services.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, the situation I am facing is, I have cashed a check back in XXXX. It has been well over a month that I have not received the funds. The check was deposited at an atm chase bank, the bank I had an account with. They put my check in a 7 day hold. During the 7 day hold, chase decided to restrict my account and then close it for no apparent reason or even explained why. They decided to keep the check as well and are saying they need to verify the funds. They obtained a number to call but the number is not verified on the system they use to be able to use the number to clear the check. I have spoke with the company who paid me the check and they confirmed that indeed the number is a company number and that they indeed are the department that can clear the check. Chase refuses to help and understand the situation and is refusing to release the funds to me. Like I said it has been a month and I am going through a financial crisis due to this situation. It has affected my living ability and is mentally affecting me. It is not right for chase to do this, especially for not giving a well explained reason why they are doing this. I call and have hope everyday this can clear and pass by it seems like the only way this will ever proceed is if I involve a higher power. I also went into branches and spoke with managers of the bank and they all just brush me off. I truly hope you guys can help. I hope i can speak to someone to explain what is going on.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I purchased a service on XXXX the XXXX and I was promised a guarantee with this service. After failing to provide that I opted out to cancel this service. The merchant declined with no reason. I then reached out to CITI to file a dispute. I provided them documentation showing the guarantee. I have tried multiple times to resolve this but the merchant has no interest in solving this dispute. 
Thank You!
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal prominently advertises its purchase protection service for instances when a buyer does not receive the item for which they paid. On XX/XX/2023, I purchased a smart phone for {$800.00} from a private seller on the mobile phone XXXX XXXX, induced by Paypal 's purchase protection promises. When the seller 's shipping partner misdirected the package and the seller refused to provide a refund, I requested that Paypal make good on its purchase protection promise. However, in case # XXXXXXXX, after a cursory inquiry in which Paypal refused to review my evidence, Paypal summarily closed out the inquiry and refused to provide purchase protection on the basis that the seller had shipped the item ( which is true, but ignores the fact that the seller 's shipping vendor misdirected the package such that I never received it ). Specifically, I have documented correspondence directly with USPS Consumer Affairs confirming that USPS mistakenly misdirected the package and apologizing for the mistake.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (VA)

I held a membership with XXXX XXXX, which was initially contracted for a 12-month period. However, I received communication from the gym 's cashier informing me of an outstanding balance. At that point, I explained that I had relocated to a different city and could no longer access the gym 's facilities. The cashier then clarified that, according to their membership policy, I was obligated to fulfill the full 12-month contract term, even if I was not using the gym. 

In an effort to resolve the issue, I inquired about the amount required to settle my contract. I was informed that my remaining balance stood at {$190.00}, to which I agreed and subsequently paid. To my surprise, I have now been contacted by a debt collection agency, First Credit Services, claiming that I owe them {$220.00}, and this matter has already been reported to major credit reporting agencies, including XXXX and XXXX. 

I am seeking to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) with the hope that they will investigate and rectify this situation. I believe there may have been an error, and I am more than willing to provide any supporting documents that may be necessary to demonstrate the resolution of my contractual obligation and the improper reporting to credit bureaus.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

in XXXX of this year, 2023, 4 fraudulent charges were made over a 7 day period against my credit card by the same unauthorized individual, XXXX XXXX, and shipped to his address in XXXX, TX. I live in XXXX, TX. I do not know XXXX XXXX, never shared my credit card information with him, nor in anyway authorized the credit card company, Marcus : by Goldman Sachs, to allow XXXX XXXX to make any charges against my account. 

Of these 4 charges, the first seller ( XXXX XXXX XXXX ) recognized the charge as fraudulent and returned the funds to my credit card. The second purchase made against my account with XXXX XXXX was acknowledged as a fraudulent charge by Marcus : by Goldman Sachs after we filed a dispute with the credit card company and they refunded the charge to my account. 

Eight months later the remaining 2 charges made against my account to seller, XXXX XXXX, made by the same Unauthorized User, XXXX XXXX and shipped to his address in XXXX, TX have not yet been recognized as fraudulent charges and we are still being held accountable for the payments.This is totally unreasonable considering the facts that XXXX XXXX XXXX XXXX  immediately recognized the charge by XXXX XXXX as fraudulent and refunded our funds and that Marcus : by Goldman Sachs also acknowledged the second charge with seller, XXXX XXXX was fraudulent and refunded our account but refuse to acknowledge the remaining 2 charges to XXXX XXXX made by XXXX XXXX and shipped to XXXX, TX are not fraudulent. 

Marcus : by Goldman Sachs original investigation appear to be inept, had errors, and did not include some pertinent information. We contacted the seller, XXXX XXXX, and obtain copies of the original sales orders and proof of shipping. These documents indicated that XXXX XXXX was the purchaser of the items in question and that the items were shipped to his address in XXXX, TX. These documents were provided to Marcus : by Goldman Sachs. 

Our complaint is that as of XX/XX/2023 we have not received an answer for why they are holding us responsible for the remaining two charges made by XXXX XXXX while the other 2 charges WERE determined as fraudulent. My second question is what right Marcus : by Goldman Sachs decided to allow an Unauthorized individual who had no connection with my credit card to make charges against my credit card and ship the resulting products to an alternate address that also had no association with any of my credit card information.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

XXXX  and identity theft issues which also led to the decrease in credit limited. Evidence was offered after the credit card limit was dropped. Police report, proof of settlement by 3rd party went ignored by Victoria 's Secret and XXXX all bills was being paid thru bank account. Payments stopped after unjustified credit decrease. Victoria 's Secret refuses to communicate on behalf of issues. I closed the account due to unfair treatment. All credit cards was paid out of 2022 tax check. All funds lost due to decrease in credit limits are increasing payments due to credit decreases which was never my fault.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (NV)

XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Credit plus did a hard pull on my credit report. Continues to do a hard pull without my knowledge or permission.on a monthly basis. 
XX/XX/XXXX XXXX XXXX did a hard pull without my knowledge or permission. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Xactus did a hard pull without my knowledge or permission. on a monthly basis. 
XX/XX/XXXX XXXX XXXX XXXX did a hard pull without my knowledge or permission. 

I have given two companies permission to pull my credit. XXXX XXXX and XXXX XXXX XXXX XXXX as I was in process of buying a house when my score dropped XXXX points due to this and I was no longer able to carry out the purchase of a home. 

In addition to this my ex husband has been allowing his wife to use my name on medical bills and to sign my name again with out my permission or knowledge. I am getting medcial bills of his and they are counting against my credit report.
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

I have never been to XXXX XXXX XXXX Alabama.. I live in XXXX tx... XX/XX/2021 is not me. Someone is using my social.. I never been period.. I don't owe anything. Hastened Financial keep trying to collect money and I never been
Consumer complaint received 2019-07-23
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: SYNCHRONY FINANCIAL (PA)

SYNCB JCP. Account No. : XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Has my account as reported to XXXX as a revolving charge account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by SYNCB JCP does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
Consumer complaint received 2023-08-18
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: Nelnet, Inc. (FL)

The Department of Education is, has been, and continues to violate my consumer rights. The Department of Education is not complying with the FCRA. This company continues to ignore the Gramm-Leach-Bliley Act. In addition The Department of Education has stolen my identity.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Credit Karma (NY)

I have a savings account thru Credit Karma with them using MVB bank to service those accounts I've learn.. I had {$6000.00} in the account {$28.00} is interest i received. On XX/XX/2023 around XXXX pm I check my account as I always do time to time and to my surprise I saw someone had stolen all my money. the day before on XX/XX/2023 someone had made a full unauthorized withdrawal and closed the account. Now the way Credit Karma is set which i learned the hard way is they do everything possible to avoid customers from talking to corporated just basic chat helpers. so i open a chat and he or she found was a request for a paper check which I said I did not request a paper check and that makes no sense because my Chase account checking is link up and transactions are almost instant if I wanted money. So they request my mailing Address and said they need to send it to the higher ups. XXXX later I did find a number to call but its just to basic support so I call anyway just to confirm with a live person and I got the case number they said they ( Higher Ups ) will contact me thru email. Now its been XXXX business days past. All of a sudden I check Credit Karma to see my savings account history which even if the account is closed you still see the history of all transactions. Guess what, the saving account page is now blank and I mean blank no letters, icons just white. Its been like that for two days and i check the mobile and PC website to confirm that its not a glitch on my end as if XXXX. is trying to hide something. I was going to take a snapshot for my records but of course they beat me to it and covered their tracks. but my bank statement with XXXX shows my money going in credit Karma anyway. My end result is I want all my Money. They Claim all over the place their FDIC insured but I get not update thru my email, their is no number for corporate. I im hoping CFPB has any access their curtain of secrecy and see whats going on. I work hard as a small bus driver simple life. and $ XXXX in this economy is a whole lot of money. I need help let me know what I can do for you to do that please. 
I have include picture on my statement straight thru to see all deposits and im sincere XXXX and XXXX. these date show I deposited a total of {$7500.00} withdraw a total of {$1500.00} leaving {$6000.00} in Credit Karma. 
Also their Address according to the website is : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel # ( XXXX ) XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Four years ago, in 2019, I asked Capital One to close my XXXX Money Market checking account ending XXXX. CapOne has nevertheless kept my account open all this time, while preventing me from accessing my balance. I complained to CFPB previously ( see Complaint ID XXXX, attached for reference ), to no avail. Recently CapOne had the gall to notify me that due to lack of account activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance hostage, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I used this company to try and purchase something from someone I assumed was a reliable vendor. They allowed this company to steal my money and not return it. Furthermore a lot of other people have been filing fraud claims on this company and PayPal isn't doing anything but freezing this account. While they are freezing the account they should be returning the funds of the consumers. We as Consumers are  suppose to be protected from things like this. It's sad I have to go through such desperate measures to reach someone in the Corporate Office. I want and need my money I have children to support and can't afford to have over {$150.00} stolen from me! PayPal needs to have better protection for their consumers or just leave the Business to others who actually care.