davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear sir/ms, Here is the thing. I have a BOA XXXX XXXX credit card with XXXX whose expiration date is XX/XX/year>. Around this XXXX, I received message in my BOA app saying that a replacement card has been mailed to me, which have the same card number and with a updated expiration date. However, I have never received that card. 

On XX/XX/XXXX, I noticed that there are XXXX fraud charges a total of {$350.00} which are made on XX/XX/XXXX and XXXX. So I immediately report this to BOA. I explained to BOA that it I did not make those purchases, and my BOA card XXXX is always with me and it is not stolen and no one else used it. I also mentioned to BOA that since I never received that updated BOA card, it is possible that USPS mistakenly put my mail in other people 's mail box. That bad person opened the mail and used my card. That is how come there were XXXX charges made using my XXXX card. This is the only way I can think of why my card is used by some one else. Then BOA issued my a refund of {$350.00}, and send me a new card with a new number ending with XXXX. 

However, on XX/XX/XXXX, BOA reversed the refund of {$350.00} and charge this amount on my replaced BOA card ending with XXXX. I found this and I called BOA around XX/XX/XXXX about why they denied my fraud claim of {$350.00} which were made using my XXXX card. They told me that it is because they found that the chip of XXXX card is physically read when some one is making the XXXX fraud purchases on XX/XX/XXXX and XXXX. 

I told BOA that, I really did not use my XXXX card to make those XXXX fraud purchases of {$350.00}, and all I can think of is that since BOA mailed me an updated XXXX card and I never received the card, it is possible that USPS driver mistakenly put my mail in some XXXX else 's mail box, that bad guy opened my mail and used the card. Also, BOA is the only credit card company that, when the customer received the replacement card, the replacement card does not require activation. This is extremely stupid. That means in case some one received my new card by mistake, he/she can just use my newly arrived card without activation. In such case, of course the new card can be physically presented in the store, and used by some one else. But this is really fraud purchase which are not made by me. If BOA card requires activation, such fraud purchases could be prevented. 

BOA told me and they have re-opened the case and ask me to wait 45 days. At the mean time I won't be charged the {$350.00}. However I still see this amount is on my XXXX statement balance. This is indeed ridiculous. I sincerely wish CFPB could please help me get my refund of {$350.00}. Those are really fraud purchases and are not made by me. Many thanks! 

Best regards, XXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (PA)

XX/XX/year> # XXXX XXXX  {$120.00} sent to wrong person. 
I was told to ask them fornit back directly. I couldn't being that I had only one option if communication which was the refund Button. Please keep inund that I contactedbsuppoetbwithin XXXX secs. The cashapp user known as XXXX XXXX XXXXeclined to return my money. My email is XXXX and my cashtag is $ XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (RI)

I received a copy of my credit report to find the following items to be incorrect ; which this account was fully settled on XX/XX/XXXX. According, to my records the information you are reporting on this account is inaccurate. I demand that you remove all information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that all items be investigated and deleted from my credit report. In the event you fail to verify this data, or fail to respond to my request altogether, the disputed data must be deleted in its entirety.
Consumer complaint received 2024-10-29
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (SC)

On Thu, XX/XX/XXXX at XXXXXX/XX/XXXX I hired XXXX XXXX Debt Specialist with National Debt Relief to help me with a way to get mt debt under control. I had got over my head with personal loans. so, I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. and was to pay them on Draft Date Draft Amount Status XX/XX/XXXX {$460.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Also includes with this was XXXX XXXXwhom I entered into an agreement on a payment schedule of XXXX - XXXX Current Balance Owed to Creditor - {$8700.00} Proposed Settlement Offer - {$6300.00} Number of payments - XXXX Monthly Payment XXXX XXXXXX/XX/XXXX$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} Total Savings - {$2400.00}. on XX/XX/XXXX I was served a summons to be in civil court at XXXX XXXX, South Carolina, because I was being sued by XXXX XXXX. I received this email from my Attorney : To : XXXX XXXX, This is to inform you that XXXX Has gotten a JUDGEMENT against me and my wife XXXX XXXX, on XX/XX/XXXX. I received a notice of JUDGEMENT on XX/XX/XXXX. I thought your office had an agreement with XXXX to make payments and I did not need to show up for the hearing on XX/XX/XXXX XXXX. SEE FOLLOWING NOTICE. 

On Thursday, XX/XX/XXXX at XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX Our office represents you in your XXXX matter that is currently in litigation. I am the paralegal assigned to your case. 

Please be advised that you DO NOT need to attend your court hearing on XX/XX/XXXX. 

Please do not hesitate to reach out to myself or your attorney for confirmation or clarification. Our office hours are : Monday - Friday XXXXXX/XX/XXXXto XXXX XX/XX/XXXX Thank you in advance for your prompt attention to this matter. 


Respectfully Yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX, NY XXXX Local Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (SC)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, I PRESUM THAT NO PROOF OF THE ALLEGE DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS UNDER 15 USC 1681 GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

Subject : Account Closure Inquiry Unable to Provide Account Number Due to Account Lock I am writing to formally document the recent developments concerning my Marcus by Goldman Sachs account. 

Background : Account Opening Date : XX/XX/year> Current Status : Locked and closed as of XX/XX/year> Timeline of Events : 1. On XX/XX/year>, I attempted to access my account via the Marcus mobile app and received a message indicating that my account was locked, requiring me to contact customer service. 
XXXX. I called Marcus customer service on XX/XX/year>, and spoke with four representatives. After discussing the issue, I was transferred to a specialist who informed me that a business decision had been made to close my account. The reasons provided included possibilities such as fraudulent information or illegal activity, but no specific details were given. 
XXXX. Unsatisfied with the initial response, I made a follow-up call on XX/XX/year> and spoke with a specialist named XXXX. I requested to speak with a supervisor and was informed that supervisors are available XXXX  through XXXX, and a request for a call-back was submitted. 

Concerns : Lack of Transparency : I have not been provided with specific reasons for the closure of my account, which is concerning. This lack of communication has affected my trust in the institution.

Financial Impact : The closure of my account without prior warning or notification has the potential to impact my financial standing. 
No Prior Warning : I did not receive any warning or notification before the closure, which is not only unsettling but also unfair. 

Requests : XXXX. I am requesting a detailed explanation regarding the closure of my account, including any specific activities or information that led to this decision. 
XXXX. Please provide written confirmation of the account closure and the reasons behind it. 
XXXX. I also request the full refund of my {$500.00} deposit, as previously mentioned by your representatives. 

I would appreciate a prompt response to this letter, ideally before my scheduled supervisor call. This will allow me to have a more informed discussion and seek a resolution effectively.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (PA)

I have been using this company since XXXX. I've been a loyal customer making my payments and worked my credit line up to {$13000.00} over the years. We've had a rough couple of years with inflation and did have to max out the card. I made a large payment of {$8000.00} to lower my credit card usage and increase my credit score. They took my payment and lowered my credit limit to {$9000.00}. Meaning I won't have any improvement to my credit utilization and my total credit is now lower. I made the responsible choice to get this card paid down and they punished me for it.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC. (IL)

I purchased a car from XXXX XXXX XXXX  in XXXX IL. I brought the car back because it was smoking. As soon as I got out of the car with my XXXX year old son the car blew up in flames. This has caused me a world of trauma. The car company has since placed a {$10000.00} collection on my credit which I want removed. This was not my fault that this company sold me a faulty car. I have tried to get this removed from my credit by filing a dispute with the credit bureaus and nothing has happened. I need assistance with this matter. I have not been able to get this account removed. I am going to seek an attorney to file a law suit. I wanted to try this method first.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (TX)

Concora Credit wanted me to send my Driver 's license via mail or fax. I responded I did not feel comfortable as it is not a secure way of sending private information. The representative stated there was no other way to send the information more securely.
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

I was sent a collection notice from TRASWORLD SYSTEMS INC dated XX/XX/year>, and received on XX/XX/year>, which identified them as a debt collector. I responded to the letter on XX/XX/year>, via XXXX Certified mail XXXX XXXX XXXX XXXX XXXX XXXX requesting that they, as a third-party debt collector, do not contact me again. 

On XX/XX/year>, I received another debt collection letter from TRANSWORLD SYSTEMS INC for the same debt that I had demanded that they not contact me for.
Consumer complaint received 2024-10-29
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. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to Privacy and Confidentiality under 15 USC 1681. 

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 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 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 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( a ) ( 5 ) Section states : 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 antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) 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 in accurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had a Credit Card with this Company for many years and I have literally one been late on one payment and they have refused to increase my Credit Line. The present Credit Line is {$6300.00} and I am requesting an increase to {$10000.00}. Are there no rules that govern how a Credit Card company treats it's best customers?
Consumer complaint received 2024-10-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

, the account is open but I'm am unable to login to my online banking and all of my online banking information my name is XXXX XXXX XXXX my social security number is XXXX birthday is XX/XX/year> mother maiden name is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX has ask clarity services to unfreeze my clarity report. I have written 3 letters with all verification documents to remove freeze and issue me a new PIN number seeing as I misplaced my old one. This is an affecting my credit worthiness an has caused me to miss employment opportunities because clarity services will not remove freeze..
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NC)

I am writing to formally request your assistance in addressing and rectifying an issue with XXXX XXXX, who is unlawfully and illegally reporting false information on my credit report. These inaccurate reports are significantly diminishing my creditworthiness and causing substantial harm to my financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to report accurate and verified information to credit bureaus. In my case, XXXX XXXX is reporting false information related to the debt at hand. 

Furthermore, I would like to emphasize that I have never signed any written agreement or contract with this company. The reporting of this account and any associated obligations without a legally binding agreement is in clear violation of my rights under the law. Without a valid contract or written consent, XXXX XXXX has no legal grounds to report this debt or any related information to the credit bureaus. 

I have attempted to resolve this matter directly with XXXX XXXX, but they have failed to correct this erroneous information. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the reporting creditor is obligated to investigate and rectify these inaccuracies. Their continued reporting of false information violates the law and is causing unjust harm to my credit. 

I respectfully request that the CFPB investigate this matter promptly and require XXXX XXXX to remove these unlawful entries from my credit report. The presence of this inaccurate information is causing significant hardship in my financial life, and I am seeking immediate relief. 

Please let me know if you need any further documentation or information to support your investigation. I appreciate your time and attention to this urgent issue and look forward to your prompt response.