davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been trying to withdraw funds from my Capital One 360 checking account since Tuesday, XX/XX/XXXX to prepare to purchase a car from a private party. I went to the Capital One branch in XXXX and was unable to withdraw any money against an account balance of over $ XXXX. They engaged support and were still unable to help or tell me definitively why I was being denied access to my funds. They advised to return Thursday. When I did they went through multiple steps of verifying my ID, account info and other information before telling me I was cleared to take out XXXX. It then declined and they said they could not tell me why as there were no flags on my account or debit card. I have tried again Friday and can still not access even {$1000.00} from my account balance of over $ XXXX. CapOne has offered no remedies or solutions.
Consumer complaint received 2024-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tromberg, Morris & Parnters, PLLC (NJ)

I received a certified letter from Tromberg, Morris & Partners, PLLC attorneys at law that they were going to garnish my wages on the behalf of XXXX for {$20000.00}. My wages are already being garnished from XXXX XXXX and that account was closed XX/XX/XXXX. 

I informed them that this is the same vehicle that you are trying to garnish my wages for and with a higher amount. He explained that the other company will have to send the money collected to them. I called them on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX XXXX about this matter. 

He could not explain to me how my wages are being garnished by XXXX different companies both part of XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (RI)

Chime bank did really help me resolving my unauthorized transaction l. They would later deny this the next day without trying to help me. This cost me {$9200.00}!! This hurt me financially! They didnt give me a good explanation why it was denied!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE. 



XXXX XXXX I have asked them show me give me proof of who did this and where was this taking place they gave me no information Im not aware of this account who open it or how they open the account. Im not aware the address thats attached to this account isnt connected to me in no way. Account number
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AL)

I am writing to dispute a fraudulent account that is being reported by XXXX XXXX XXXX for Comenity Bank on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that XXXX XXXX XXXX and Comenity Bank cease reporting this account and remove it from my credit report as soon as possible. 

There are multiple accounts for Comenity Bank/Victoria Secret and Comenity Bank NY & CO There are two accounts listed on my credit for XXXX XXXX XXXX XXXX and XXXX I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (PA)

I am writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXXXXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00} XXXX XXXXXXXX {$1700.00} out of {$2000.00} SXXXX XXXX XXXX {$2600.00} out of {$3000.00} XXXX XXXX XXXXXXXX {$5800.00} out of {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX  {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX {$17.00} out of {$1100.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (OH)

In XX/XX/XXXX, I financed a XXXX XXXX XXXX through Consumer Portfolio Services, with a loan amount of {$25000.00}. The loan carries a 25 % APR, resulting in monthly payments of {$670.00} for 75 months, totaling {$50000.00}. I believe the loan involves predatory practices, as a significant portion of each payment goes towards interest, making it difficult to reduce the principal balance. As a result, the loans loan-to-value ( LTV ) ratio has reached 188 %, preventing me from refinancing the vehicle. I was not adequately informed of the financial impact of these terms at the time of signing, which I believe violates fair lending standards. I seek an investigation into these lending practices and guidance on potential remedies.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

This year I have been charged with over XXXX XXXX dollars in overdraft fees. I've canceled my coverage so I don't have any overdrafts, but they keep allowing charges to go thru.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX I deposited a Fema us treasury check for home repairs in the amount of {$5300.00}. The funds were available the next day on XXXX. Then I received an email on XXXX XXXX telling me the funds were no longer available due to activity surrounding my account after the deposit was made making them believe that the check would not be paid and then it would not be available until XX/XX/year>. I have made numerous phone calls to the front department, customer service, etc. to find out what exactly the problem is so that I can help fix it. They say that they are waiting on the US treasury to validate the check however I have spoken with the US treasury on, several occasions and they have said that the check was verified. I have tried to speak with Capital One bank every other day since XX/XX/XXXX and the last time I called, they were ugly to me and told me that I would not receive the funds availability until XX/XX/XXXX. And that is for home repairs therefore leaving me homeless
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Empower Finance, Inc. (PA)

I XXXX XXXX borrowed, XXXX dollars from empower on XX/XX/year>, it was due on XX/XX/scrub>XXXX they did not debit from my account, so i waited 2 days later to see if they got their payment, they ha XXXX not, so i went to the bank on XX/XX/scrub>XXXX  to see if the bank had a problem, they did not, the bank lady looked up empower, s number, i called and asked the lady, why havent they took their payment out, she said she couldnt, i daid to her when i borrowed XXXX dollars the first time, yall didnt have any problems, why now, than she put me on hold for a very long time, and came back on the phone and said, they need to change the due date, to XX/XX/year> i want them to get their money, i dont trust them, i cancllrd my debtit card, i will pay them by money order, i dont want them trying to go in my account any more, they gave me the run around, since XXXX  i just want to pay them what i owe them which is XXXX dollars, they seem shady, and i dont want nothing else to do with them, i told the lady cancell my information, after yall get your payment, which they did not, i dont trust this company, i dont want them stealing off of me
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX | XX/XX/year> Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ADP Inc. (FL)

When my background check is submitted and ran they are using charges that are seven years old. According to the seven year rule these charges should t appear its been almost ten years and these changes are still popping up on criminal background check .According to the FCRAs 7-year rule, for example, certain criminal records must be removed from an applicants history after seven years.

These records include civil lawsuits, judgments against an applicant, arrest records, and paid tax liens. The FCRA also imposes a few additional restrictions on Florida employers.

Additionally, the FCRA requires employers who run background checks to ensure the information in the report is current and accurate. If it is not, an applicant has the right to dispute the background checks contents, which will trigger an investigation by the reporting agency.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

An old teacher of my daughters posted on her XXXX that a relative was having to go into a XXXXXXXX XXXX XXXX and had to downsize and sell a bunch of their stuff. She posted on XXXX, the items and the prices. I contacted her through XXXX and said hey were interested in XXXX of the items. When can we see them And she wrote back saying Im out of town helping this relative for the next couple days if theres something really interested in just put a deposit on it and Ill take it off the post because Im getting A Million messages about the items. The amount is fully refundable if you dont like it when you see it, this is a trusted person that I know so I said OK. How much is a deposit on these XXXX items XXXX dollars they said you can send it via XXXX I said I dont have XXXX. I dont use that I use Zelle . They said OK send it to this email. I assumed it was the person that was going in the XXXX XXXX  or the spouse. I sent the money and then I sent another message about an hour later and it wouldnt go through so I sent a text message to the person I know I never got a response from the text message cause I dont know if the phone number is current. Its been a couple years since weve had interaction calls with her, the next morning on XXXX there was a post that she had been scammed. Spent the last XXXX hours trying to get her account back and she hoped nobody had sent a scammers money.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/XXXX a purchase was made from XXXX XXXX for {$3400.00}. Payment was made via PayPal and deducted from the cash balance of my account with PayPal. On XX/XX/XXXXXXXX XXXX  XXXX contacted me and informed me he was having an issue with PayPal They were withholding my payment to him. He advised I dispute the transaction with PayPal and request a refund. We would then arrange another form of payment. A dispute was filed with PayPal and a request to reverse the transaction. 
Dispute Case ID XXXX XXXX responded to PayPal and authorized a refund back to me. 
On XX/XX/XXXX, PayPal denied the dispute and would not authorize a refund. They then closed the dispute, and neither I nor XXXX XXXX could take further action. No proof of payment to XXXX was ever provided as requested, and PayPal has refused any further action to establish exactly where the money went. 
At this time PayPal has appropriated the money and without proof of payment to XXXX XXXX I can't pursue any further solutions.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

To whom it may concern my debt was paid off and written off by the Credit company, therefore I am not obligated to pay if again. XXXX XXXX is collecting illegally. I have asked several times for LVNV Funding LLC to provide me with the following documents, but they failed to do so. debt validation claims per 15 USC1692G 1 They didn't provide me with a full detailed list of payment history on this account. the original signature that I agreed to on the contract with the creditor. Has there been any insurance claim found on this debt, the claim of Title that they have to collect on this debt. All they keep providing is a letter of explanation and a copy of the billing statements only. No other documents reflecting chain of title, a contract between them and the original creditor, or if there authorized to collect on this debt. no contract with my signature with the original creditor. or if there were insurance claim on this debt. since they can't provide all the documents, I requested it should be removed from my credit report per 15USC1692-C I and FDCR Laws Thank you
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

On XX/XX/XXXX and XXXX someone added their debit card to my account and cash out my balance to their account. Cash app denied my dispute stating the me or an authorized user made the transfer and didn't provide me proof that it was me or authorized user did the transfer which no one is authorized user on my account. Per cash app policy you can't add someone else 's debit card to your account they have secruity measures in place for this not to happen verifying the ownership of the account. I don't have an account with this bank So how did a debit card get added to my account that didn't belong to me without if they have secruity measures in place and then it is the law that if you report unauthorized transcations the money is to be credited back to the account per XXXX. I reported the unauthorized transcations within 3 days of it happening. Per cash app secruity measures me or no one else can add a debit card to my account that I'm not owner of because the system wouldn't allow it after verifying it was not my account. So cash app fail to provide secruity on my account like they said they did.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

An small business company deposited a check for {$25000.00} from a real estate investment trust company - focusing on cloud and carrier-neutral interconnected data centers, with a market cap of {$48.00} XXXX- for program management services delivered under a standard purchase order and invoice process. The check was deposited at JPMorgan Chase Bank in XX/XX/year>, but the funds have not been credited to our account. Despite the check issuer confirming that the check cleared in XX/XX/year>, Chase has continuously delayed the release of the funds. 

Numerous escalations have been made to Chase, starting in early XXXX, including providing all requested supporting documents like : 1. XXXX escalation letters 2XXXX XXXX letter from check issuer 's Accounts Payable Manager certifying the checks legitimacy 3. Electronic endorsement confirmation of cleared check 4. Copy of deposited check 5. Copy of Purchase Order from check issuer 6. Copy of Invoice referencing the Purchase Order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. Filing Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

These documents were uploaded to Chase 's system by their branch representatives.

On XXXX XXXX XXXX, an escalation letter was submitted, and an analyst from the Chase XXXX XXXX XXXX XXXX informed us that further checks were required. 

On XX/XX/year>, a second escalation letter was submitted, we were informed during a visit to a Chase branch that our business checking account had been closed. At the same time, Chase mentioned that a XXXX XXXX Secretary of State Business Entity search found missing information related to the companys executives and addresses, which was now being used as a reason for withholding the funds. 

On XX/XX/XXXX, XXXX phone calls were made to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the agents confirmed that the XXXX XXXX Secretary of State does not display the missing information for XXXX. Both agents recommended that Chase contact them directly at the same number for confirmation. Additionally, they referred Chase to the FAQ section of their website, which clearly outlines this policy. 

After receiving this information, we sent another email to Chase to escalate the matter once again and informed them of the results of the call with the XXXX XXXX Department of State. 

Despite multiple attempts to resolve the matter and the clear written confirmation from the check issuer, Chase has failed to provide an alternative solution or return the funds. As a small business, these delays have put us in a difficult operational and financial position. 
Chase Claim # XXXX was provided for follow-up purposes.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (ME)

Auto-pay options by companies online such as XXXX XXXX XXXX XXXX XXXX XXXX are easy up-front to record and register the identities of consumers ' bank accounts for monthly transaction fees, and later on then become scrambled or buried in the website companies ' deliberate " information services '' schemes all the way to the bank 's IT services and its clients and own employees, the tellers, when the customer wants to opt out. In this case, it is TD Bank , N.A . 

The same Bank also confuses this client 's business account with a forged class action suit that misappropriated this client 's business identity to a court action in XXXX XXXX with " legal representatives '' from XXXX  to XXXX  and from XXXX  where this client 's personal account was also attacked and compromised by a multi-service-platformed XXXX XXXX and XXXX and XXXX web XXXX  monetary obstruction " service ''. 

Why am I past due on rent by XXXX months? Ask these companies please.