davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (SC)

XXXX FTC XXXX NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices. 
Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting. 
I request immediate steps be taken to halt any unauthorized sharing of my personal data. I also require a full account of how my information has been used and evidence of the companys compliance with the GLBA.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

Coin base complaint : Case # XXXX As a precautionary measure, to protect you against potential loss, we have limited your ability to send crypto until XX/XX/year>. Please try again after this date. 
Actually, dates but I started in late XXXX trying to send XXXX to my wallet for my control. I received the " As a precautionary '' message. I was required to wait until XXXX and tried again but all I got was the same message " As a precautionary ''. I do not want to wait anymore because I am very worried that you actually are holding my XXXX as collateral for someone else. I feel Coinbase has become another XXXX 
I received a message telling me I can send XXXX " Coinbase has launched XXXX Coinbase XXXX XXXX  an XXXX token that is backed XXXX by XXXX ( XXXX ) held by Coinbase. With XXXX you can now securely send and use your XXXX on XXXX and XXXX. '' I do not want a XXXX XXXX held by Coinbase. I want my coin sent to my Wallet. 
This is the second time I have tried to send my crypto to my wallet. The first time I had to wait until early XXXX. Once I tried to send XXXX I got another message. " As a precautionary measure, to protect you against potential loss, we have limited your ability to send crypto until XX/XX/year>. Please try again after this date. '' I want this resolved ASAP. I am beginning to believe the press that COINBASE does not have access to all the XXXX coins required to send my own coin.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX MTR - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ODE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MI)

Hello, I opened my US bank business checking on XX/XX/XXXX, At that time, US bank has a promotion to open a business checking account. 

These are promotion requirements : Earn your {$800.00} Business Checking bonus by opening a new U.S. Bank XXXXXXXX XXXX XXXX  with Interest, XXXX, or Business Essentials ( Only available in certain markets ) Business Checking account between XX/XX/XXXX and XX/XX/XXXXXXXX You must make deposit ( s ) of at least {$25000.00} in new money within 30 days of account opening and thereafter maintain a daily balance of at least {$25000.00} until the 60th day after account opening. 

I deposited {$25000.00} on XX/XX/XXXX, and kept the money until XXXX I have met all promotion requirements, but I didnt receive {$800.00} bonus. Please investigate what happened and deposit {$800.00} bonus into my checking account. 

Thanks XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

FCRA 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This collection agency has violated FRCA 15 USC 6802. I was never given the opportunity for non disclosure option in any shape or form. Not only is GM Financial continuing reporting inaccurate information AGAINST MY WILL.This has completely violated of my consumer privacy rights when they allowed a 3rd party ( FMA Alliance ) to obtain my confidential personal information.This collection agency has engaged in false and misleading practices violating FDCPA 807 and providing misleading forms violating FDCPA 812.This matter has effected my privacy and cause defamation of my character. This Agency had repossessed my car violated my rights under 15 USC 1692F. When They released my information and privacy to a repossession company. This agency recently had been in a lawsuit for violating 15 USC 1692 F.I asked for this to be resolved by removing this negative remarks OFF my credit report with all 3 credit bureaus as I the " consumer '' have NOT authorized XXXX XXXX to report ANYTHING on my credit report.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is harrassing me. The call 5+ times daily, WEEKENDS included AND they call before XXXX and after XXXX - regularly. It's really annoying and inconvenient - as they are a 3rd party and VERY AGGRESSIVE with their approach. I have spoken with them and asked them NOT to contact me, and the representative HUNG UP while I was making my request - because they do not intend to stop. They have multiple lawsuits, resulting in MILLIONS of dollars in payouts- and I'm trying to avoid having to go that route, but I'm very close to seeking a PAYOUT which will be MUCH MORE than they are calling me repeatedly about. Needless to stay, please make it stop. I really can not take it anymore. I've used verbiage like " Seize and Desist '' - doesn't work. I have been on the DO NOT CALL list since XX/XX/year>- AND whatever " debt '' they are harrassing me about, is more than likely from XXXX - A LONG TIME AGO- we are past the statue of limitations - they should NOT still be able to do this.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

I had an open dispute with Home Depot for approximately two years with a carpet install that was purchased on my Home Depot credit card CITI BANK after getting nowhere with them for a very long time I filed a dispute with the credit card for the amount of the carpet purchase this went on for months with many issues telling me different things back-and-forth When they eventually told me it was resolved in my favor multiple times phone calls should have been recorded and there should be plenty of proof of that they also told executive relations from Home Depot that they would be removing the interest from the credit card and then change their mind and said they were not doing it as well After months of them telling me it was resolved in my favor and not to make any payments they said that no late fees or interest would be added during that time they continued to add late fees and interest and then randomly sent me a letter in XX/XX/year> stating that too much time has passed and they were not going to be resolving it in my favor despite telling me for months that it was resolved in my favor Home Depot executive relations knew that Citibank was all over the place telling different stories so they sent me a check finally for a refund to pay off the credit card Citibank is refusing to acknowledge a receipt that was sent to them multiple times showing that a refund was done and a new purchase amount was made for a different product none of it was ever reported to the credit card therefore they added 24 months of interest to the credit card They are now refusing to remove the interest along with the interest in late fees that they have added during the dispute I have called in many times asking to speak to people and escalations I give them all of my information they tell me theyre opening another case and I hear back from nobody they send me a general email stating that they standby their decision and they will not remove anything They also reported all of the late fees and nonpayment during the dispute to my credit bureaus and have destroyed my credit they told lies and when I tell them that the phone calls shouldve been recorded and they should have proof of their employees telling me for months that it was resolved in my favor and they refuse to do anything about it I want to pay off the credit card but with the proof of my receipts along with the dispute I should not owe the interest I have had very rude employees disregard everything that I tell them and just make up excuses and refuse to help Home Depot the company has done everything on their end that they can The store itself refused to fix any wrongdoing on their end with reporting the refund and new purchase amount to Citibank Citibank has flip-flopped back-and-forth for months and are now refusing to do anything and wanting all payment including late fees and interest despite them telling me not to make payments and that no late fees are interest would be put onto the account
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I received an email from Chase bank that they are forcefully and WITHOUT my consent and permission are enrolling " eligible Chase credit and debit cards to XXXX ''. 
I did NOT authorize, or give Chase permission to do so. 

They are making me have to OPT OUT of this.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (TX)

Applied for student loan forgiveness several times thru the department of education within the last two years and also thru my new loan servicer aidadvantage formally known as XXXX  and every application has been denied without providing sufficient information as to why i did not qualify for forgiveness. My loans have been in the repaye program but are still reporting as late payments on my credit reports even though my payment amount is {$0.00} per the repaye program that I'm enrolled in. I'm also showing on my credit reports that my loans are now deferred which I did not request to be placed in.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

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've disputed these accounts. 

On XX/XX/XXXX, I noticed unauthorized accounts on my credit report. I immediately contacted the companys customer service and credit bureaus to dispute the charge and was assured that it would be investigated. However, despite multiple follow-up calls and emails over the past six months, the accounts has not been removed, and I have not received any updates on the status of my disputes. Additionally, the company has continued to report this inaccurate information. This has negatively impacted my credit score and caused significant financial stress. I am seeking the removal of the unauthorized accounts showing on y credit report.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IL)

I applied for a Caesars Rewards credit card and was approved with a {$14000.00} credit limit. I received the physical card on XX/XX/XXXX. I created accounts with Bread Financial and Comenity to confirm receipt of the card. I verified receipt of the card and immediately tried to use it on a Caesars ' website. The purchase I tried to make was declined. I tried it on another website and it was denied again. 

I called the bank to see what the issue was with the card. I confirmed receipt of the card and verified all of my background information without any issues. They then stated I must email XXXX copies of the front and back of my social security card, my driver 's license, and utility bill, and a bank statement. I could email the materials or mail them. I asked why I must complete this when I applied for the card and was approved. I was informed that the bank is requesting additional verification from me. I ended the call to consider what was being requested. 

I tried using the card on XX/XX/XXXX, and XXXX. All attempts were unsuccessful. 

On XX/XX/XXXX I called the bank and again asked why I had to send such confidential information over unsecure channels. They said it is being requested by the bank and there is no way around it. I confirmed with them that I would like to close out the account. The bank stated due to the status of the account I could not close it. 

Now I am left with a hard pull on my credit that I was approved for, and an inability to use a credit card unless I send the most confidential information a person possesses over unsecure channels. This is beyond unreasonable and I need assistance to be able to use my card or close the account. 

Thank you.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (PA)

My Chase bank account was closed on XX/XX/2023. I did not receive a refund for my remaining money. It has already been almost 10 months. I want to get my refund. Besides, my mailing address has changed. Since my account was closed, I can not change my address online. If you send me the check, please allow me to submit a new address.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MS)

I have had Citi credit cards for close to 20 years, maybe longer. Its ThankYou rewards system no longer works, it appears to be intentional deception. You can not access it to use points online or through its app, and if you can you get error messages that prevent you from utilizing points. If you call, you can not get a representative on the phone to utilize your points, and you get stuck in a foreigner-driven doom loop on the phone. 

If this happened just once, no issue. It has happened repeatedly to me and can not be a simple oversight or technical issue that was temporary. This is such poor performance for such a large institution that it is nearly impossible to believe it is mere incompetence.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX made a deposit to an Chase Bank atm on XXXX for a check of {$21000.00}. On XXXX I called Chase Bank to see why didn't the check clear. I was then told by Chase Bank that my account is on hold and was being handled by a prevention protection team. The prevention protection team informed me that the only way that my account can be released from restriction is if the check of {$21000.00} can be phone verified through their system. I have giving Chase multiple numbers to verify the check, but have been told that all the numbers giving do not match with their system and can not be used to verify the check.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CT)

Connecticut | Discover Card Services | Compliance Issues | Protected Statutes | Fair Credit Reporting Act ( FCRA ) and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) Discover Credit closed my account XXXX months after approving my secured card, citing my use of a consolidation service called XXXX XXXX as the reason for this decision. This action raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ).
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (VA)

The last I used my card was a a XXXX to load money to pay my mortgage. That Monday my card was closed along with all of my four childrens sponsored accounts. I arrived at the XXXX and they proceeded to load money onto my card. They kept having computer issues so they attempted to load my card on another register before sending me to another store because the transaction wasnt working. My app then popped up a message saying deposit limit reached. The store manager and four associates were present as this occurred. I do not know what happened that day but that was the last time my card was used and closed that Monday. I want my account reopened as I am a XXXX XXXX XXXX XXXX XXXX and community member. I am honest and have doing nothing to violate laws or terms and policies and I feel violated as a consumer as I use my XXXX XXXX card for a lot of things for my children, business and family.