davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

I opened the US Bank Business Leverage card on XX/XX/XXXX. The new member bonus at the time was XXXX points ( worth {$900.00} ) after spending a minimum of {$7500.00}. I completed the minimum spend in XXXX. My bonus did not post after the statement closed in XXXX. Then, I contacted their customer service in XXXX and the agent assured ( lied to ) me that the bonus would be posted after the statement was closed in XXXX. My statement closed on XX/XX/XXXX, but I did not receive XXXX points as promised. The statement showed that I earned only XXXX points. I spoke with an agent named XXXX over the phone on XX/XX/XXXX, and he was clueless as he was telling me it would another 120 days to receive the points ( you have to spend {$7500.00} within 120 days to get the bonus ). I checked the terms of the card ( picture attached ), and it states XXXX weeks after completing the spending requirement. It has been XXXX weeks, so the points should have been posted after the XX/XX/year> statement.
Consumer complaint received 2024-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX promised to provide refund for defective merchandise. They did not. Capitol One claimed that merchandise was received in good condition. It was not. Capitol Obe reversed dispute and claimed I did not provide them with information about defective merchandise when I did. They are an overdigitized unresponsive company with no real humans on the payroll.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (FL)

I contacted the debit collector in order to resolve the debt, I asked if I could do a pay for deletion, I was told yes. Once I made the payment to them everything changed, i called back to verify that the debt would be removed from credit report, I was told that the company does not offer that as an option. I informed them that, that was the reason for paying it and that I was lead to believe something different.
Consumer complaint received 2024-08-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

For over a year now, Ive had a claim open to reclaim my stolen funds. Im unsure how the theif was able to steal my money, but they did. I believe it was somebody working for BOA that was in on it because I dont understand how someone can activate a card and steal from it without me giving any of my information out to anyone. BOA keeps denying my claim and when I ask for proof they keep sending me bank statements although Ive requested better proof than that, such as atm footage. They are not doing a thorough investigation and it is causing further financial hardship having to keep reopening this claim. This is my final attempt before I seek a lawyer to help me with this. 

Claim number : XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The account was charged off XX/XX/XXXX. The company has been reporting " CO '' from then until XX/XX/XXXX and report shows a balance of XXXX $ continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Mercury Financial Intermediate LLC (GA)

I paid additional funds to put extra credit on my XXXX Mercury credit card to pay my mechanic plus cover travel costs. They blocked the account and I couldn't use the card. Transactions were getting denied. I called them on XXXX and was on the phone with them over an hour where they informed me that they blocked transactions due to suspicious activity. I asked them what the suspicious activity was and they said that it's because " a large payment was paid to the account ''!!!! 

They verified that it's me who made the large payment and sent their verification code to my phone and still they would not unblock my account. The total funds of {$1400.00} is tied up on my card & I can't use it even 3 days later. 

I'm on the phone right now with them again & they can't even connect to a supervisor to resolve my issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

After reviewing my consumer file I noticed a reporting from Barclays that was not correct, I reached out to them and sent them proof that I was in prison at that time and did not engage in that debt or authorized the debt. There were a lawsuit filed against me for the debt which was deleted after providing the proof of incarceration. Barclays sold the alledge debt to another company and both companies still reports to my consumer file. I contacted them and told them this is misleading, illegal and false and I want it deleted, as per usc 1692e this is a clear violation. They responded with a letter saying they believe I gave someone permission to use my credit.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

This my refilling of my complaint to WELLS FARGO BANK CAR for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

Macy 's account paid off on XX/XX/year> in full {$10000.00} prior to due date XX/XX/year> and cut off of billing cycle start date of XX/XX/year>. On XX/XX/year> Macy 's sent electronic bill stating on XXXX  balance that interest of {$190.00} was due by XX/XX/year>. 

Contacted Macy 's on XX/XX/year> spoke with Manager XXXX at XXXX XXXX who stated that he would remove the amount and resend an update bill showing that XXXX was due on the account, also stated that the system would update showing that XXXX amount was due within XXXX hours. The amount is still reflecting. 

How can you charge a customer on an account that has been paid off with XXXX  balance {$190.00} interest? 

Emails sent to : XXXX XXXX and XXXX XXXX with no response regarding urgent matter. 

Thank you for your assistance in this urgent matter.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> to remove all dispute remarks and comments from my credit and still hasn't been removed. Also, Equifax has dropped my credit by XXXX points as well. This causing me to unable to refinance my home. 

I've been given a confirmation # XXXX from them and the individual didn't remove the remarks. I received another confirmation # XXXX for removal and still hasn't been done. 

I've had no new late payments on account and they dropped my score. 

My other complaint is with XXXX. They haven't raised my score in months. No delinquencies
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (NC)

In 2018 I discovered an account ( CONNS APPLIANCES INC ) on my credit report that does not belong to me. I have never resided at the address listed to this account nor have I ever made any payments on this account. Any debit or credit card information utilized to make any payments on this account has to be by the person who victimize me. I have tried several times on many different occasions ( approximately 10 ) to dispute this matter and every time they report back and say that the information is accurate when it is indeed false. I have also filed an identity theft complaint with Federal Trade Commission. I need this nightmare to be over it has been years and I refuse to let this person get away with this and I just want my life back
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MA)

Company identifying itself as Hunter Warfield notified me that my previous landlord ( XXXX XXXX XXXX ) was pursuing collection of remaining rental fees after our move-out of our apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX. My husband and I contacted XXXX XXXX and received confirmation that we were paid up in full of all final rental fees related to our tenancy there, and that they had NOT initiated any debt-collection proceedings against us. 

I have continued to receive calls weekly from a " XXXX XXXX calling from Hunter Warfield '' and requesting a callback. My phone is set to screen unfamiliar callers and with each phone call I blocked the number it was coming from. But the calls have continued from a new number each time. Most recently ( XX/XX/XXXX ) I received the call from XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' Experian 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 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) 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 who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates 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, Code 1681s-2 ( 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services This is my second complaint however I was told to contact another complaint regarding this matter
Consumer complaint received 2023-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I moved from XXXX XXXX XXXX XXXX XXXX XXXX ) about a year ago. I was notified that the offer of a free safe deposit box since I am a Veteran is being canceled. I really don't mind because I haven't ever used it. On XX/XX/2023 I was charged {$55.00} for the safety deposit box claiming that I set up automatic payments for it? I never did, it was provided as a " gift ''. I've tried to resolve this, offering to bring the key to a local branch due to distance issues, willing to sign a notarized statement removing liability or accountability for the contents in the box which there isn't anything in the box. The efforts to resolve have been met with unwillingness. I understand that this branch may want to save monies and change or remove their offer. I don't understand in our digital remote age that we can't resolve this equitably, not let 's make it as difficult as possible, forcing me to drive half a day to close a box that they no longer want to provide. This recanting of one of their offers when I joined their bank isn't the problem, I'm trying to comply with them but my situation prohibits being in person to relinquish a safety deposit box that I've never used and have nothing in the safety deposit box. So they are charging a fee that I didn't authorize and refusing any common sense to resolve, possibly to continue to charge for a box I don't need or use. I shouldn't be treated like this when trying to resolve while being charged in addition.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, our organization XXXX XXXX transferred XXXX. XXXX through XXXX in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX US dollars. The transfer was returned by the recipient 's bank, but was not received by the sender.

The transfer was seazed by JPMorgan Chase Bank with no reason on XX/XX/year>. Till now JPMorgan Chase Bank refuses to return this money to us/ Our Company XXXX XXXX is not associated with any sanctions associated activities or organizations. 
Since XXXX is under sanctions and can not accept payments in dollars please issue permission to return this money to our account in another XXXX Bank.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (IN)

On XX/XX/year>, I tried using a feature in cash app to add paper money to my account. I have been doing this for months now and I have never had an issue. However, when I tried to do it on the XXXX, I was met with an error message, saying that my account access for that has been revoked. When I reached out to the company via their official social media channels, They simply said they reviewed it and will no longer let me do it, and when I ask for more information, they refuse to give it to me.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I filed bankruptcy XXXX years ago Ive been making a car payment to XXXX XXXX for XXXX XXXX years. I reaffirmed my debt with XXXX XXXX XXXX years ago. when a company called XXXX took over payments for XXXX XXXXThey took it upon themselves to put that my car was discharged in my bankruptcy which basically means they rebuild it and my credit score think it took me two months and two disputes to fix this yes its off my credit report but my Phico score hasnt changed which has hindered me and getting the interest rate I should get one buying a new vehicle now that my old car is paid off when I try to call Experian all you get is not automated to option service you can never speak to anybody about any of this
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (TX)

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 2023-10-04
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: EQUIFAX, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Dear Fair Collections & Outsourcing, The XXXX  XXXX, I am writing to formally dispute and demand the removal of an alleged debt that has been inaccurately reported on my credit profile. This debt is not mine, and I have no knowledge or association with the account in question. Despite my prior efforts to resolve this matter, the erroneous information persists. 

As such, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and request immediate validation of this debt. Specifically, I require the following documentation to substantiate any claims against me : Evidence of your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to pursue collection of this debt.

Legal basis for your claim, including all relevant statutory authority.

Proof of your authorization to conduct debt collection activities within my state of residence.

Verification of the alleged debt, including any contractual agreements bearing my signature and the original creditor 's details.

Complete account history, detailing all transactions, charges, and any collection-related fees.

Additionally, I must inform you that your actions may constitute violations under several key sections of the FDCPA, including but not limited to : 15 U.S.C. 1692d : Prohibition of harassment or abuse in debt collection.

15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations.

15 U.S.C. 1692g ( b ) : Obligation to properly disclose my rights.

15 U.S.C. 1692f : Prohibition of unfair or unconscionable practices in debt collection.