davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO Bank, N.A. (AZ)

Around the spring of XXXX I was notified that my Bank Of The West ( BOW ) credit card was going to be bought by BMO. Before the transfer date I contacted BOW to get some answers to some very important questions. i wanted to know if any of the terms would change. I was told they would stay the same. specifically asked about my promotional rate of XXXX % APR until XX/XX/XXXX. They told me it included balance transfers and purchases. Around XX/XX/XXXX I did purchase repairs for my spa for about {$500.00}. The transfer took place and I received my first statement from BMO for this credit card that was bought sometime in XXXX. There was a finance charge for the purchase on my statement. THIS IS CLEARLY NOT WHAT WAS REPRESENTED TO ME BY THE BOW ASSOCIATE. I contacted BMO and they reversed the finance charge. At this point I thought that this matter was resolved. A month or XXXX passed and when I checked my statement there were new finance charges. I contacted BMO to resolve this matter. It was at this time that they insisted that they were not going to honor BOW representation and they would charge finance charges on the purchase, I told them that I was not pleased that they would not honor the misrepresentation made by BOW employee. XXXX offered a suitable option. I toid them XXXX wouid like to send them {$500.00} to payoff the purchase in full. I would continue with the promo rate on my balance transfer. THEY TOLD ME NO. They said that if XXXX were to send {$500.00} it would go towards the balance transfer balance at XXXX % not the {$500.00} balance at XXXX  %. XXXX told them that if you were not going to waive the finance charges then you must allow me the option to payoff this balance. I feel cheated and scammed. They forced me into paying interest on a balance with a much higher rate. Any other Bank, XXXX, XXXX would always allow me to payoff a balance and have it directed to either a purchase, balance transfer or cash advance. In conclusion, the misrepresentation by BOW is fraud. All other disservice by BMO is unethical and immoral. I believe that when a bank purchases an account from another bank, they inherit the GOOD and the BAD. BMO did not want to step up and honor the representations made by an account that they purchased. Thank you for your help
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Denefits LLC (GA)

I attempted to have a negative item removed from my credit report that was the result of fraud. I searched online and found XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XXXX through a verified XXXX. I agreed to the terms of the service that he described and was forwarded to his case workers to proceed with the service of credit repair ( for the fraudulent account ). I was made to take out a loan/financing agreement with Denefits ( a financing company ) in order to begin my credit repair with XXXX XXXX  XXXX XXXX XXXX I agree to pay monthly for a service that was to include a case XXXX that I would actively work with to improve my credit profile through a tailored strategy from their credit expert/case managers all while they simultaneously cleared my credit report of any inaccurate information/fraudulant information. After a few months with no contact from anyone ( except on the week of a scheduled payment, Id receive a text informing me of my upcoming payment and a message saying they was still working on removing the same account ). I contacted someone from the credit repair company to see why I was not receiving any communication from my case XXXX to build my credit and why was they still saying that they was attempting to remove the same negative account for 3 months. I told them that I was not receiving the service that I agreed to pay for and was given excuses and told that I had to keep paying them or they was going to report negatively on my credit report. I then contacted Denefits ( the finance company ) to request that they void my finance contract because I was not receiving the service that I agreed to pay for. They told me that they contacted the XXXX XXXX XXXX and was told that they provided me the service ( when I have text messages from them confirming the opposite ). Denefits proceeded to report my account negatively to the credit reporting agencies causing my credit to plummet and resulted in me being denied credit lines as well as even insurance because of my lowered scores.
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (IN)

I was comparing mortgage loan opportunities for refinancing our FHA mortgage loan and Amerisave required of me a {$500.00} deposit for an interest rate lock and when I determined a competitor offered us a better business agreement Amerisave refused to refund the {$500.00} deposit. I am informed that such a fee is illegal and that Amerisave has settled a suit in the past for such illicit fee requirement practices.
Consumer complaint received 2024-04-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION (NY)

I HAD AN ACCOUNT WITH XXXX dollars in it, after some iddues with a check I was supposed to be sent the remaining balance, instead truist sent me a check for XXXX dollars and when I called could not tell me where my remaining funds had gone, additionally after filing another complaint earlier truist LIED saying they had reached out to me when they never did, trust STOLE almost a XXXX dollars from a person who actually works for a living
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

15 U.S.C 1681n civil liability for willful non-compliance with these accounts 15 U.S.C 1681o civil liability for negligence non-compliance with these accounts 15 U.S.C 1681e compliance procedures with these accounts 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 FCRA section 604 ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of.

15 U.S.C 1681S-2 Inaccurate reporting by all these companies listed below 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 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 2024-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2024 ( 3 months ago ) I sent {$1100.00} to a friend via Paypal. Paypal froze his account and wouldn't let him have the money. He reached out to them and wasn't able to resolve the issue. It sounds like they needed to confirm whether he was a fraudster, or make sure this wasn't some kind of illegal activity. I have been friends with his family for about XXXX years now, and they are definitely not criminals. This was just meant to be a gift to a friend. 
About a month later I opened a support case with Paypal, and they said there was nothing they could do. They closed the case. 
This week I reached out to Paypal 's support again, and they told me again there is nothing they can do. 
Paypal has suggested that I file a complaint with my credit card company to try to get the money back, which I might do, but that seems wrong since Paypal has my money and they are the ones refusing to release it or refund it to me. I believe I've gotten really substandard help from their support team. They've repeatedly said incorrect things about the transfer and don't seem to know what to do to reach a resolution, so I decided to open a complaint with cfpb first to see what guidance and advice you might have. Any suggestions or help would be greatly appreciated. 

Thanks!
Consumer complaint received 2024-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

XX/XX/year> I sent XXXX Eth from personal wallet to Coinbase and bought XXXX btc. As soon as traded, I sent {$100.00} XXXX to same personal wallet as test transaction without problem. Then proceeded to send the remaining XXXX ( approx $ XXXX ) to the same personal wallet. That withdrawal was immediately blocked. I received this message : As a precautionary measure, to protect you against potential loss, we have limited your ability to send XXXX until XX/XX/year>. Please try again after this date. 

As a victim of the XXXX XXXX bankruptcy, I have no desire to leave my funds on a central exchange for a day, much less 2 months. 
XXXX XXXX reached out to Coinbase support and was told I would get a response in XXXX. 
I did receive a request to verify my identity which I did the same day. I had also previously completed XXXX  verification with Coinbase XXXX XXXX I reached out again and was told my case ( # XXXX ) had been assigned to a specialist and would be given priority. 
XXXX XXXX again reached out to Coinbase support and again was received this response : we're sorry for the frustration this has caused. We see that your case is still pending review. Our specialists are working diligently to resolve this issue as soon as possible. Your patience is appreciated, and we'll notify you as soon as we have an update. 
Every day that my crypto is left on Coinbase exchange, I am at risk for getting caught in another bankruptcy fiasco. The wallet address was used initially to receive the XXXX and has been used previously to send crypto off the Coinbase exchange without incident. It seems very suspect that Coinbase is withholding my XXXX in good faith to prevent fraudulent transfer.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (NC)

Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter.

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law.

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference. 

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made. 

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-02
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. (MA)

I opened an account with Coinbase in XXXX because it appeared to be a *responsible* platform for my virtual currency and based in the US. 

On XXXX XXXX, XXXX, I created a XXXX wallet and since then my account has been under review. Except for the email that states that my account is under review, I have received no communication from the company whatsoever. 

I am fine not using the Coinbase platform but I am requesting immediate access to my funds. I am happy to provide whatever documentation is required to prove my identity.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc. (NC)

Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter. 

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law. 

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : OXXXX 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 I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference. 

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made. 

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/XXXX, I purchased a {$500.00} Amex gift card to send to my boyfriend who works out of state. He uses disposable phones when he goes to some of these rural states since our local cellphone provider doesnt good coverage in other areas. I texted pictures of the gift card and the receipt to what I thought was his new cell phone. It was not until he later asked me why XXXX XXXX sent them that I realized Id sent them to a different number. I immediately panicked thinking the person who received the pictures in error would be able to use the card. I called the number on the back of the card and was told the current balance was {$3.00} after a {$490.00} purchase on XX/XX/XXXX. I called the American Express gift card division on XX/XX/XXXX to report this as a fraudulent transaction. They opened a case on it ( case number XXXX ) and told me there would be a full investigation. I told them that Id be happy to supply pictures of the receipt that proves I purchased this with my debit card, as well as pictures to show the card is still in my possession, and any other documentation they required. They told me that someone from the investigation team would email me with instructions on submitting documentation ( this never happened ). They also told me on this original phone call that a resolution should be made in XXXX business days. I went over a week with no reply. Finally I called back on XXXX at which time I was told it would take XXXX days. I asked again if I could go ahead and submit documentation to expedite the review process and was told it was not necessary. Today I received a email notification that my dispute had been denied. I replied to the email requesting an explanation. I have not yet received a reply. I also called the gift card customer service dept and asked to speak with someone on the investigation team. I was told this was not allowed. I then requested to speak with a supervisor and was transferred to the supervisor of the dept that answers the phones. He told me he could not do anything about this and told me to just reply to the email I received. I then notified him via phone and the company via email that I intended to file a complaint with CFPB.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (OK)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with XXXX, a credit reporting agency. Recently, I discovered that XXXX has deleted an account ( JPMCB Auto account number : XXXX ) from my credit report without my authorization or consent. What is more alarming is that XXXX has sent me alerts indicating that I disputed this account, which is entirely falseI never initiated such a dispute. This erroneous action has had a detrimental impact on my credit score, which has dropped to XXXX without a valid reason. Despite contacting XXXX for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. Thank you for your attention to this matter.
Consumer complaint received 2024-04-17
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: ENCORE CAPITAL GROUP INC. (CA)

Around XX/XX/2023 I was notified via email that changes to my XXXX information had been made. When attempting to log-in, I had found that my username had been changed. Unable to manually rectify that as I was unable to gain access to the account, I tried getting a hold of an XXXX Representative. They were the ones who confirmed that my User Name had been changed, but that I was currently locked out and that I would need to wait a few days before I could resolve anything. This happened a couple more times, before finally a competent representative was able to get me access to the account. Not seeing anything, I then just placed a Freeze on it. 

Not too long afterwards, I received a number of mail notifications for accounts that were attempted to be opened under my name through use of Identity Theft. I was able to get most of the accounts closed except for two, a XXXX and a XXXX XXXX  XXXX Eventually the XXXX one was resolved after it was sent to collections and I provided them with relevant information that the account was opened fraudulently, they never impacted my Credit. The XXXX XXXX  one however, is still showing as a hard inquiry on my XXXX Credit Report and impacting my score. 

I have attempted multiple times to get this resolved, I've even hired a Identity Theft Restoration Specialist through XXXX XXXX to assist. In late XXXX, I was notified that the account had been sent to Midland Credit Management, a collections agency, on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Speaking with them, I explained the situation, mailed them relevant information, and they have since closed the account and ceased collections. However the hard inquiry remains and after speaking with someone at XXXX, they claim that Midland is the one who needs to remove, but Midland is also saying that they don't. Regardless, the account is no longer valid and someone needs to do their job and remove it from my report. 

Please assist.