davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Please refer to complaint against Capital one on this platform # XXXX. 

I have supporting documents attached. This company has improperly used my credits and also my credit report. The supporting documents have already been sent for processing to the IRS. Capital One illegally closed my account. I am the financial fiduciary over the account and my estate. Please the attachments. If the balance is not corrected and account reopened I am going to the CID and Inspector General of the IRS and the FBI for fraud, identity theft, and a possible Rico case. I want Capital one to produce an XXXX OID for this case and also produce the XXXX and XXXX where I have made them fiduciary and financial trustee over this account. If they can not and do not correct the ledger on the public and private side and send me proof in 7 days. I am going to notify the authorities listed above. 


I declare and decree in XXXX name this is so, amen!
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (NE)

I do not have a contract with the colletion of the medical bills. 
They agreed to delate these charges but some of bills are not delated and not reported acurate to all XXXX credit report companies. 
I requested orignal and XXXX XXXX signed contract, has not been provided. 
This account is hurting my credit reports and I deamd to delate this account from my credit repots.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi CFPB, I had opened a checking account with Bank of America with a promotion where I would receive a {$200.00} promotion after having direct deposits totaling {$2000.00} or more. I've had two direct deposits since the account has opened and the bank has not yet credited my account for months. I am requesting that you look into their practice of not paying out the promotional bonuses. 

Thank you, XXXX
Consumer complaint received 2024-08-19
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: JPMORGAN CHASE & CO. (PR)

On XXXX XXXX I mistakenly purchased XXXX XXXX tickets from a fake XXXX XXXX website, since the page looked a lot like the official page. The day after I purchased I received email and XXXX messages requesting more personal information. I immediately got suspicious, checked the webpage and confirmed it was a fake tickets website ( XXXX ) and not the official XXXX XXXX website. I immediately called Chase to inform and try to cancel the charge. They indicated that since the charge was not processed yet, they could not do anything and that I had to wait until it was processed to make a dispute. I waited a few days until it was processed, made a dispute and explained the situation on XX/XX/year>. They issued me a statement credit and sent a new credit card through mail. 

The fake website started sending emails asking for my date of birth, which if course I never provided. I even bought tickets later from the official XXXX website and they never asked for my date of birth. As suspected, I never received XXXX tickets from the fake website, they even sent me an email from their alternate website XXXX just the day before the event indicating they couldnt deliver the tickets and that they would provide a credit in their website. Obviously there is no way to login as the website is fake so there is no credit. This email on XX/XX/year> was the last I received from them. A simple google search of the website will reveal multiple complaints of it being a fake website and defrauding olympic ticket buyers ( here is XXXX complaints link for your reference XXXX XXXX XXXX XXXX. Here is also an article explaining how this is a fake website : XXXX XXXX XXXX Today I received a letter from chase indicating that they have charged back my account for the transaction because I received a benefit from this transaction. Which as explained above and you can see in the evidence, I never received the tickets. I have no idea how chase can come to this conclusion and just close my case when I never received any benefit, and I thoroughly explained it was fake and their suspicious behavior. I was scammed as many others were and this can be easily corroborated.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (NV)

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies.

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, XXXX XXXX 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than seven years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under 12 CFR 1016.7, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Dear CFPB, I am writing to file a complaint regarding an unresolved international wire transfer from XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX Despite multiple attempts to resolve this issue with the banks involved, I have not received satisfactory assistance or resolution. 
Details of the Transfer : Date of Transfer : XX/XX/XXXX Amount : {$25000.00} USD Sender : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Recipient XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Message Reference : XXXX XXXX : XXXX Issue Description : The funds were sent from XXXX but were not credited to the recipient 's account at XXXX XXXX. 
According to the XXXX XXXX, the payment was rejected by XXXX XXXX ( XXXX ) on XX/XX/XXXX. 
XXXX has sent several inquiries through the XXXX system to determine the status of the payment, but JP Morgan Chase XXXX XXXX XXXX  ) has not provided any response. 
I have contacted XXXX XXXX and Chase multiple times, but they have ignored my inquiries. 
I have reached out to XXXX ( Office of XXXX XXXX XXXX ) twice ( XX/XX/XXXX and XX/XX/XXXX ) to verify if the payment was blocked due to sanctions. XXXX confirmed that my transfer was not blocked, ruling out any sanction-related interference. 
Attempts to Resolve : Multiple contacts with XXXX XXXX and Chase Bank ( dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX inquiries ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX XXXX inquiries to JP Morgan Chase Requested Resolution : Locate and release the funds to the intended recipient 's account. 
Provide a clear explanation of why the transfer was rejected and why it has not been resolved. 
Compensate for any fees or losses incurred due to this prolonged issue. 
I kindly request the CFPB 's assistance in resolving this matter and ensuring that the banks involved provide the necessary information and take appropriate action to complete the transfer or return the funds. 
Thank you for your attention to this matter.
Consumer complaint received 2024-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a XXXX XXXX XXXX victim of a robbery that happened in New York on XX/XX/year> around XXXX XXXX  The robbery involved a XXXX transaction linked to my Capital One debit account. Two men robbed me of my phone and made a XXXX transaction of {$860.00}. I reported it to the New York police and they categorized my case as a robbery and XXXX XXXX They created a police report which I provided to my bank. They told me that my claim was submitted but they failed to show empathy whenever I called them and gave me different information. They kept telling me that they will try to expedite the process of my investigation since it was a very traumatic event for me and I lost all of my money in my bank account. However, another person I called said there is no way they could expedite the process and that there is a deadline of 10 days. I was very confused since it was new information and he was very demeaning and proceeded to tell me that Im in XXXX  so I should know about deadlines. He said that they have a deadline of 10 days and after that they will update me. I was very upset and after every call I was left crying in distress. I felt that the workers are showing no empathy towards my situation. This is a robbery not a fraud and I believe I should be getting my money back. Moreover, the workers showed no knowledge about my case despite their claim that they wrote notes and that they will take a look at my notes. This left me wondering if they even wrote proper notes because one person I called clearly showed a poor understanding of my situation despite the plentiful information I have provided them. The worker thought I am a victim of a fraud and stated that I made the transaction. It is disheartening having to correct and retell my story multiple times to different agents. Another worker also told me that there are many other cases that they have to take care of first. When I asked what those cases are, she told me that people didnt receive their package etc. This left me feeling helpless as that statement showed that the company cares more about packages/fraud as opposed to robbery which is a higher offense. I am not receiving proper help from Capital One Bank. They are showing no empathy towards my situation and are not getting their work done professionally.
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (TX)

After reviewing my recent consumer credit report, there appears a collection. the original creditor is a hospital located in California. I have never been contacted by any hospital in California nor any agency on behalf of any hospital. I have no hospital debts. Designed Receivable Solution has violated the FCRA by reporting this alleged debt prior to contacting me. they would have been informed that this debt is not mine. 
In 2021, the Consumer Financial Protection Bureau ( CFPB ) issued a rule for debt collectors limiting when a collector can report information about a debt to credit reporting agencies. This law prohibits a debt collector from telling a credit reporting bureau about a debt before either speaking to the consumer or sending a debt validation notice and then waiting to make sure it's delivered
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (PA)

On XX/XX/XXXX and XXXX, XXXX, a total of {$9600.00} was withdrawn from my business account at Relay Financial, which is associated with XXXX XXXX XXXX XXXX. These funds were originally transferred into the account via a wire transfer from XXXX XXXX XXXX. Specifically, {$500.00} and {$4500.00} were withdrawn on XX/XX/XXXX, followed by {$4600.00} on XX/XX/XXXX. The individual responsible for these withdrawals was XXXX XXXX, a former business partner who used the funds to make subsequent XXXX XXXX transactions through his XXXXXXXX XXXX XXXX. 

XXXX XXXX was removed from XXXX XXXX XXXX XXXX as of XX/XX/2024, relinquishing his 50 % ownership stake. However, due to a delay in processing the updated operating agreement, his name remained on the business account at Relay Financial until the documentation could be finalized. This delay was caused by a backlog at XXXX, resulting in nearly three months of waiting for the necessary documents. 

I filed a dispute with Relay Financial on XX/XX/2024, regarding these unauthorized withdrawals. Unfortunately, Relay Financial informed me that they could not reverse the charges and advised me to file a dispute with XXXX instead. I then filed a dispute with XXXX, but despite providing additional documentation, including the updated LLC Agreement, a letter from XXXX explaining the delay, and screenshots showing that the transactions originated from my account, the dispute was denied on XX/XX/XXXX due to a lack of evidence. 

Both Relay Financial and XXXX have not provided adequate support in resolving this matter, and I am still out of the {$9600.00}. I urgently request that Relay Financial and XXXX take immediate action to credit the funds back to my account. This matter is critical, and the delay in resolving this issue is causing significant financial distress.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (MI)

To Whom It May Concern : I am writing to file a complaint against Barclays Bank Delaware regarding their repeated and unjustified reductions of my credit line, which have harmed my credit score. I have been a responsible and long-term holder of the XXXX XXXX XXXX , and I have diligently managed my account. Despite this, Barclays has taken actions that I believe are both unfair and detrimental to my financial well-being. 

On multiple occasions, including most recently on XX/XX/year>, Barclays has reduced my credit line without providing sufficient justification. According to their letter, the reduction was based on the following factors : -Proportion of Balances to Credit Limits Too High on Revolving Accounts -Excessive Amount Owed on Revolving Accounts -Consumer Reporting Agency Information In their correspondence, Barclays referenced a credit score of XXXX, which they obtained from XXXX. However, the actions taken by Barclays have contributed to the very issues they cite, creating a vicious cycle where reduced credit lines increase my credit utilization ratio, further harming my credit score. 

Each reduction in my credit line by Barclays has caused an increase in my credit utilization ratio, which is a key factor in calculating credit scores. This has resulted in a drop in my credit score, despite my efforts to manage my accounts responsibly. The reasons cited by Barclays, such as " too many accounts with balances '' and " length of time revolving accounts have been established, '' do not adequately justify their actions, especially considering the long history and responsible use of my account. 

I request that Barclays restore my credit line to its previous level and cease any further reductions unless there is a clear and substantial reason to do so. Additionally, I ask that Barclays provide a detailed explanation of their decision-making process and consider the negative impact that these actions have on consumers credit scores. 

I also request that Barclays review their policies and procedures to ensure that other consumers are not similarly affected by arbitrary and unjustified credit line reductions. 

I appreciate your attention to this matter and hope for a prompt resolution. I am happy to provide any additional information or documentation as needed. 

Thank you for your assistance.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (OH)

Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE XXXX XXXX, TRANSUNION LLC. & XXXX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL 3 OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL 3 AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN XXXX CONFIRMATION FROM XXXX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL 3 CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE CFPD AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15.USC1681 Section 602 states that I have a right to privacy, 15.USC 1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15.USC 1666B a creditor may not threat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The companies are in violation are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PatientFi, LLC (MO)

I have an account with Patient Fi for a XXXX XXXX that I have been paying on. The payments are current, and Ive actually been paying over the minimum amount. I got a call from a collection agency saying that my loan was in default and that I needed to set up a payment plan with them to pay it off. They let me settle the amount so I only had to pay half of what they said I owed. I told them that Ive been paying this loan every month on auto draft with Patient Fi and asked why they were calling me saying its been sent to collections. They said they didnt know and I needed to pay it. I set up a 3 month payment plan for $ XXXX with them starting in XXXX. So far Ive made XXXX payments to them, and I have XXXX left. However, my account is still open with Patient Fi and I forgot to turn of auto pay in XXXX so I ended up paying way more than normal. My balance on Patient Fi hasnt changed. Why do I have to pay a collection agency if my account is current and Im still making payments? The phone number of the collection agency is XXXX.