davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Financial Corp Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX US RE : Fraudulent Transactions/Identity Theft OF Account number XXXX To Whom It May Concern, On XX/XX/XXXX and XX/XX/year>, deposits were made into my account amounting in the total of {$7700.00} since then - there have been multiple unauthorized transfers and charges made on my account. On or about XX/XX/XXXX, I contacted your fraud department about this. Nothing has been done. Since then, multiple attempts have been made to contact and dispute charges on my account due to identity theft there has still been no resolution. I have not had any access to my account since XX/XX/year>. Unfortunately, this has left me no choice but to file a complaint with the Consumer Finance Protection Bureau. 

To resolve this problem, I would like to demand a refund of the XXXX that was taken from my account. I would also like for my account to be secured in any way, as well as any negative remarks removed from that may have possibly incurred from this act of fraudulent activity. I have enclosed copies of my corresponding documents. 

I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/year> before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Visited Regions and disputed the {$5.00} charge they said wasnt paid from overdraft account. I went in person to bank and they said they would remove and update my credit report. They did not. I can not get XXXX or XXXX to remove this " late payment " account on my credit file or update. I paid the account off in whole when I heard about this problem. No notice from Regions and they could have taken out of my checking account which had {$200.00} in it. Can't get XXXX XXXX XXXX XXXX to update and remove late payment notice. All seems senseless over {$5.00}. Now have a late payment on my credit reports. 



Report Created On : XX/XX/year> File Identification Number : XXXX Provided by XXXX XXXX Relations Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Last Payment Made ; Past Due ; Pay Status ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NV)

I am writing in reference to the charge-off account listed on my credit report, identified by the account number XXXX. Upon reviewing my credit report, I noticed that this debt is being reported as a charge-off, despite the fact that it has been discharged. As I understand it, once a debt is discharged and a tax write-off has been taken, it is considered taxable income, and the reporting of this account as a charge-off on my credit report is not only misleading but potentially illegal. 

After consulting with the IRS, I was informed that it is unlawful for you to continue reporting this debt as a charge-off or attempting to collect on it after it has been discharged and reported as taxable income. Such actions could be considered tax fraud, and I will report this matter to the IRS. I have been advised to file IRS Form XXXX to report illegal tax violations by your company. 

I demand that you immediately remove this account from my credit report and provide me with a copy of the Form XXXX that should have been issued to reflect the discharge of this debt. This is necessary for me to audit the information and ensure that you are in compliance with tax laws. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure that the information you furnish is accurate and up to date and fair. By reporting this account as a charge-off without considering the discharge, you are in violation of this provision since reporting income on a report is inaccurate and unfair Any violation of the FCRA entitles the consumer to actual damages and monetary compensation. 

This account must be removed from my credit report immediately. If you fail to comply, I will have no choice but to pursue legal action to seek compensation for each and every inaccuracy. 
Please consider this letter as a formal request to resolve this matter promptly. I expect confirmation of the removal of this account from my credit report and a copy of the Form XXXX within 30 days. Failure to comply will result in further action.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. ()

I called Citicard on XX/XX/XXXX regarding an international transaction I was attempting online. My card had been declined for potential fraud reasons and the fraud department said they resolved the issue and to wait XXXX hr for the system to update to retry the transaction. I waited XXXX hour and the transaction declined again. When I called the fraud department a second time they said I could not clear the block because I did not have a XXXX phone in my name to send a verification code. The only solution given was to send a letter in the XXXX mail that would take weeks. This was unacceptable as I need to get the transaction made the same day. They said I would not be able to use the card again until the fraud alert was cleared, which could not happen until I got a XXXX phone in my name or received the letter the mail. I am currently living overseas so not being able to use my credit card online is a huge problem and they offered NO solutions.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

According to 15 U.S.C 1681i Section 1A states the FCRA bank system is dependent upon accuracy and fairness. Any inaccurate reports directly impairs the efficiency of the banking system. Also a investigation must be conducted.

Also 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX and XXXX acct # XXXX, has violated my rights. 

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.
Consumer complaint received 2024-08-07
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: CREDIT ACCEPTANCE CORPORATION (SC)

I purchased a car back in XXXX through Credit Acceptance and made my payments on time in which I also had full coverage on my car at the time, fast forward to XXXX in which I hit a deer in my car, they totaled it but I was told I had prior damage in which I did not, so I think my insurance company and Credit Acceptance at the time placed blame on me and didn't pay the car off in full and now Credit Acceptance is saying that I owe them over XXXX XXXX XXXX if someone could please help me resolve this issue, I would greatly appreciate it because now their on My Credit report with false accusations after calling them numerous times to try and resolve this issue, it's like talking to a brick wall, I want Credit Acceptance off my credit report with these false accusations. They have been a thorn in my side, and it's really messing with my livelihood.
Consumer complaint received 2024-08-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SF VAGO, LLC (LA)

I was paying my car with XXXX XXXX as an automatic payment debited from my bank account month by month since XXXX. In XXXX XXXX XXXX for some reason stopped collecting my car payment even though my bank information and personal information are the same. I never received a notification saying that my payment was late. I realized when my credit score dropped too much, I checked my credit report and saw that my car was in collections. I was never notified by XXXX XXXX or the XXXX company. This brought me health problems due to stress. I contacted XXXX XXXX and they told me that my account was already sold to the collection company. I contacted the collection company and was able to settle the debt immediately. However, this negative item is on my credit report, negatively declining. I request to remove this negative item from my credit report. Thank you.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Equity LLC (FL)

I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to XXXX XXXX XXXX. I am writing to appeal that you block the non authorized information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This company is reporting fraudulent inaccurate information such as my name on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2700.00}
Consumer complaint received 2024-08-14
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 (KS)

To whom it may concern : This letter is a formal XXXX  under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) XXXX XXXX XXXX et seq. that you are reporting inaccurate credit information. 
After a careful review of my XXXX XXXX it has come to my attention that there are several inaccurate listings contained in my XXXX XXXX The accounts listed below are incorrect and several are outdated. The following accounts need to be investigated immediately to reflect my truthful credit history. If any accounts listed below can not be verified they should be deleted from my XXXX XXXX  as soon as possible. 
I was very upset when I discovered that you have included the information I have specified below in my credit profile which has resulted in my XXXX XXXX being negatively impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt XXXX. I am sure that the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
Because of the mistakes on my XXXX XXXX I have been wrongfully denied credit recently which was extremely XXXX  and has negatively XXXX  my lifestyle. 

My rights were violated under Laws : XXXX. XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I, XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) and XXXX XXXX XXXX. 


I was NEVER given the option to opt out from having my information to third parties which include but are not limited to the following entities and I did not receive Form XXXX from any XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC (CO)

I have recieved various, threatening, partially recorded voicemail messages stating they are trying to locate me and repeating that it's the 2nd or 3rd attempt to reach me but leave no details of how to call back or what the contact is in regards to.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

I opened a citi bank account and placed funds in their from my work prepaid netspend card. With hopes of depositing more money until my funds were automatically frozen soon as I put them in they were pending then finnaly released I tried to get gas the card declined Tuesday the XXXX of XX/XX/year> I called they said the account is under review I made the deposit XX/XX/XXXX to fund my new account. So my funds have been frozen since XX/XX/XXXX XXXX. Ive called Tuesday, Wednesday and Thursday everybody keep saying the back office is doing their review they told me XXXX hours. So today I call and was told the same thing. I have utility bills that are at risk for shut up. And every supervisor from their department is telling me thats its under review and they keep changing the time frame.
Consumer complaint received 2024-08-07
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (WA)

I ordered an item from Nordstroms a merchant online in XX/XX/2024 that was suppose to be delivered to my home address. When I was later notified it was delivered when I was not home I could not find the package. I then contacted the merchant about the problem and they did an investigation. I was then emailed that since it was delivered to the right address regardless of whether I was home that they are not responsible for a lost or missing package and would not provide a refund or replacement. 
I then contacted Nordstrom credit card services and filed a dispute as a billing error since the package was missing. After 30 days I received a letter stating that my dispute was denied and I am still responsible for the bill ( {$270.00} ).
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (NC)

I contacted Wells Fargo to ask if they would extend my APR of 0 % on purchases and balance transfers. Per my most recent bank statement, it indicated that my introductory APR would expire XX/XX/XXXX. Two representatives indicated that they extended it until XXXX due to a good payment history. I stated that it was not visible online and to show me where it stated that. No one, including the first representative or the one dealing with the Wells Fargo website could do that. I told them that I wanted it in writing so that if it did not get extended then I could show it was offered. The representative stated that they could not do that until the most recent payment was paid. I told her that it was paid ( {$0.00} due ) therefore, all the conditions have been met so could she put it in writing. Initially she indicated that she could fax me a letter, then while I waited, she said that she could not, only mail it. I said " ok, go ahead and mail it ''. Then she proceeded to say it would take 15-20 days for me to receive it? So again, I might not receive it until XX/XX/XXXX when my APR could potentially go to a XXXX interest rate or higher. Doesn't this go against the Fair Credit Act whereby the customer is suppose to be notified of the APR? This isn't reasonable since I have nothing in writing and will not get anything until the day my 0 % APR is over. Please assist if you could. Thank you
Consumer complaint received 2024-08-07
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: RFNA, LP (GA)

Dear Republic Finance, This letter is a formal notice to cease any and all unauthorized hard inquiries into my credit report and a formal request that you remove from my credit file the inquiry dated XX/XX/year>. To my knowledge I did not give written permission to have my credit pulled. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ). Furthermore, I did not get a loan from Republic Finance and do not plan to get a loan from Republic Finance. 
Please contact the institution and credit bureaus, where your organization has made inquiries into my credit history, to have your inquiries removed. 
Finally, since you do not possess written inquiry authorization, I request that, after removing your inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
If there is another company that I must contact in order to have them removed, please feel free to inform me. Thank you! 
Respectfully, XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX has violated my rights. 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 2024-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

It is a scam ; I have never owned a XXXX XXXX shop card! 
I've voiced my displeasure! 
It states, I open the card? 
XXXX XX/XX/year> ( 1 year, 4 months ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have reached out to XXXX on multiple occasions, via phone, mail, cfpb etc to no avail and have yet to get my issue resolved. The list of negative items have yet to be removed even in providing the necessary documents requested of me! This is not right and If not expedited I will be suing for monetary relief as well.
Consumer complaint received 2024-08-15
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: Payfare International Inc. (NC)

I use DasherDirect provided through XXXX XXXX. I asked to file a chargeback and to make a dispute because I deposited {$260.00} into my account and I have the receipt from the atm and I called the atm and they told me to call my DasherDirect but they were telling me there wasnt anything they could do because it wasnt showing up on their end so now I have {$260.00} that I put into my account that isnt showing up
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one credit account has been dismissed in a court of law in my favor. 

Dismissed in XXXX XXXX XXXX XXXX XXXX California case # XXXX
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

The company I am dealing with is Coinbase a public company. I own digital assets on Coinbase. In XXXX of 2024 I attempted to send my crypto assets off of Coinbase to my personal crypto wallet of which I have done before. I send a small amount and all was fine. I then tried to send the balance of my assets and I was given a 60 day restriction. I spoke to and chatted with numerous agents and was told all they could do was escalate my complaint and I would receive an email. The email never come. The 60 days went buy and again I went through the process of attempted to move my assets off the Coinbase exchange and again a 60 day restriction with no explanation and only the same empty promise of escalation and an email. At this point it is costing me money as I would like to move my assets to my preferred custodian and receive a yield. I have read many similar stories online and I find it disgusting a publicity traded company treats their clients in this manor. Thank you PS I have provided all they have asked for