davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CA)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Fraud Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam of CFPB Complaint/Dispute Department XXXX XXXX would like to draw your attention to the complaint letter of XXXX XXXX XXXX XXXX 
- I had sent it for your attention, in which I clearly stated how I was affected personally, psychologically and financially by the multilayered XXXX hijacking operation orchestrated by a sophisticated con artist purportedly disguised as my own daughter on XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX XXXX 
However, it is over 30 days and I have yet to receive a response regarding my claim. This really doesn't show your complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against XXXX XXXX XXXX XXXX gate.io that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable person who fell victim and lost all the savings due to the misconduct of the bank. 
Banks and other Payment Services Providers ( PSPs ) do have a duty to protect people against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. 
XXXX XXXX XXXX DBA XXXX could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. The treatment from XXXX XXXX XXXX DBA XXXX compounded by trauma and anxiety and has left me in the awful situation I now find myself in. 
During the course of our relationship, XXXX XXXX XXXX DBA gate.io failed to help me, as their customer who was utilizing their services. 
I believe I am fully entitled to compensation from XXXX XXXX XXXX XXXX gate.io and that they are to be held responsible according to the following : XXXX. Protect people from financial harm as a result of fraud or financial abuse. 
XXXX. I have never received a phone call, email or any kind of notification from XXXX questioning the financial activity of these transactions. 
XXXX. The red flags surrounding my transaction should have raised alarms with XXXX as the transactions were substantial and XXXX could have easily prevented them. 
XXXX. There were no similar transactions in the 12 months prior to my victimization by the scam scammer ( XXXX ). 
XXXX. A fair and reasonable outcome that XXXX reimburses me with XXXX CRO and 8 % compensation for the loss that had severely affected me on many levels. 
I have attached my complaint letter for your perusal, your prompt attention to this matter would be greatly appreciated! 
Kind regards, XXXX XXXX XXXX
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (UT)

When I started the vehicle lease in XX/XX/XXXX I purchased extended coverage for excess wear and tear protection up to {$5000.00}. When the lease was returned, I was provided the lease inspection report and told that a final bill of the charges would be sent out. I have not yet received the bill. I have spoken with GM financial on 4 different occasions starting on XX/XX/XXXX when the final charges were reported on my credit report, then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX trying to get a copy of my final bill needed to submit for payment against the coverage. I have been informed the bill was sent onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX not available for view, electronically through the GMfinancial website and my online account, and I have requested on multiple occasions to have my bill sent to me. GM has provided no resolution to me not receiving my bill in the mail and refused to send it to me electronically to ensure receipt. It is nearing the time that payment would be due to avoid any negative credit reporting to the credit bureaus. I have also explained to them that I will be moving which will further delay me receiving a mailed bill because it has taken them over a month to issue the statement.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

I had an American Express credit card, I fell back on paying it due to job loss and they ended up closing it and it went to collections. In XX/XX/2019 I received a letter from AMEX with an offer to pay off only 60 % of the debt that was owed and the card and the balance would be resolved. I called AMEX to take up the offer and they gave me another offer, which was too pay the full balance and Ill be eligible to receive an XXXX card application, I agreed and I received a letter in the mail confirming it. My account had been fully paid off since XX/XX/2019. It is now XX/XX/2019 and I still havent received the application. Ive spoke to AMEX OVER 30 TIMES!!!!!!!!!! They keep telling me theyre gon na send it out again over and over and I still havent gotten anything!!! They tricked me to pay the full balance on false accusations that I would be getting it in return.
Consumer complaint received 2024-08-20
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: Cedars Business Services, LLC (CA)

Account Name : XXXX XXXX XXXX  Account Number : XXXX This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification. 

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA. 

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$67.00} WHY IS THERE A DATE OPENED OF XX/XX/2023? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (PA)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 

Company did not send the requested information.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NV)

I am writing to file a formal complaint against American Express Services for their unjustifiable restriction on referring a friend to their services. I believe this practice not only limits customer choice but also violates the principles of fair competition and consumer rights. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action to address this concern. 

I have been a loyal American Express cardholder for several years and have always been satisfied with the company 's services. Recently, I attempted to refer a friend to American Express Services, as part of their referral program, which rewards both the referrer and the referee for joining the American Express family. To my disappointment, I was informed that I was not eligible to participate in the referral program. 

This restriction is not only frustrating but also raises concerns about the fairness and transparency of American Express 's practices. As a customer, I should have the right to refer my friends to a service I have had a positive experience with, and both parties should have the opportunity to benefit from the referral program. Restricting customers from participating in the referral program without any valid reason or explanation feels unjust and against the principles of consumer choice. 

I firmly believe that such restrictive practices limit competition and hinder the ability of consumers to freely choose the financial services that best suit their needs. The referral program should be an open and inclusive opportunity for customers to share their positive experiences with others and receive rewards for their loyalty. By denying customers the ability to refer friends, American Express is effectively preventing potential customers from benefiting from their services and impeding fair competition. 

Therefore, I kindly request the CFPB to investigate this matter and take appropriate action to ensure that American Express Services reassesses their policy regarding the referral program. I urge the CFPB to emphasize the importance of consumer choice, fair competition, and transparency in financial service practices. Consumers should have the freedom to refer friends to the services they trust and receive rewards for their loyalty without arbitrary restrictions. 

I have attached relevant documentation, including correspondence with American Express customer service, to support my complaint. I hope that you will thoroughly investigate this matter and take appropriate action to protect consumer rights and promote fair competition within the financial services sector. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint against TransUnion regarding their failure to allow me access to my credit report and the inability to dispute errors online due to a persistent system error on their platform. This issue has caused significant distress and inconvenience, particularly given that I am XXXX XXXX XXXX. 

Description of the Issue : For 4 months, I have been attempting to access my credit report and initiate disputes online via TransUnions platform. Despite multiple attempts, I have been unable to do so due to a system error that prevents me from accessing these critical services. I have contacted TransUnions customer service on several occasions to resolve this issue, but it remains unresolved, leaving me unable to monitor and dispute any inaccuracies in my credit report.

Consumer Rights Violated : I believe that TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to : 1. Access to Credit Reports : Under the FCRA, I have the right to access my credit report annually at no cost. The inability to access my credit report due to a system error is a violation of this right.

2. Right to Dispute Inaccuracies : The FCRA provides me the right to dispute any inaccuracies on my credit report. The ongoing system error that prevents me from submitting disputes online obstructs this right.

3. Non-discriminatory Access : As a XXXX XXXX XXXX individual, I require reasonable access to my credit information and dispute processes. The persistent issues with TransUnions platform have effectively denied me access, which could be seen as discriminatory, particularly given the added challenges that come with my XXXX. 

Impact : Due to these violations, I have been unable to monitor and manage my credit effectively, which could lead to financial harm. As someone on a fixed income due to my XXXX, maintaining accurate credit is crucial for my financial stability.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year> I filed a fraud claim with my bank Wells Fargo, they took over two weeks to respond and I received a letter today, XX/XX/year> saying they denied my claim because they believe it was me or someone with access to my card, it was not. The two transactions total XXXX $ and Wells Fargo will not give me any information
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I received the first invoice collection notice letter from from law firm Linebarger Goggan Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Ph # ( XXXX ) XXXX, Fax ( XXXX ) XXXX dated XX/XX/XXXX. The collection pertains to a {$4.00} toll that did not register on the active XXXX  transponder I had at the time of travel through a Delaware toll. I received a detail statement from XXXX  showing all the other tolls before the Delaware toll and after the Delaware toll that registered and we're deductible from my XXXX  account when I passed through each toll. I filed a dispute with the law firm, who forwarded my dispute with Delaware DOT. I recieved a second invoice collection notice from the law firm dated XX/XX/XXXX, I called them months before receiving the second letter to find out the status of my dispute, I was told the dispute was still pending. When I received the second notice I called on XX/XX/XXXX to find out the status of my original dispute. I was told by a female representative of the firm that a response was recieved by Delaware DOT on XX/XX/XXXX stating the dispute was rejected because I did not file a dispute. This issue has been going on for over a year an a {$4.00} toll fee not register by my transponder turned into an unbelievable {$91.00} collection notice. This is insane.
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: Monterey Financial Services LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (SC)

I looked at my report on XX/XX/year> and noticed some things are not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates. EASTERN ACCOUNT SYSTEM is reporting on my credit to my XXXX  consumer report. This company is not licensed and bonded in my state of South Carolina to collect from me.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX I have filed a report with XXXX about the improper use of my credit report. I have filled a dispute on all late charges and negative inquires on paid off and closed accounts resulting in lowering of my credit scores, even though I have made consistent payments. I have had several cards replaced after being stolen and I believe these negative reports are in violation. 

In accordance to the Fair Credit Reporting Act, these creditors have violated my rights under USC 1681 section 602, it states I have the right to privacy, under 15 USC 1681 section 604- ( a ) section 2, it also states an agency can not furnish an account without my written instructions. Under 15 USCS 1666 ( b ), a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for purposes. And FCRA section 605 ( b ) ( 15 USC 1681 c-2 ), notification. a consumer reporting agency shall promptly notify the furnisher or information subsection ( a ) of this section.
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

This Company by the name of XXXX XXXX XXXX XXXX has placed 3 collections on my consumer credit report and I have reached out to the major credit reporting agencies and they are verifing these fraudulent accounts to be accurate and they are not. However, I contacted the Company directly and they are still not trying to hear me out even after I sent documents to plead my case in the matter. 
First account is in the amount of {$1600.00}, opened around XXXX. XXXX ; second account is {$1400.00} and was open on or around the time of XXXX. XXXX and the last account is in the amount of {$580.00} and open date is Also, XXXX. XXXX. Please reach out to them and have this issue fixed asap.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/2024, I made a down payment of {$500.00} towards a car that was advertised on XXXX XXXX that I found out 4 days later was a scam. The lady I thought I was buying the car from was hacked. 
I contacted Paypal about the scam and they quickly dismissed the claim stating it was not an unauthorized payment. 
It was my understanding that if a product is bought through Paypal and does not show up or not as described, Paypal refunds the money.