davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened this new business account and fulfilled the requirements for the XXXX dollars bonus. I followed up with the bonus criteria the entire time and was told I was on track only to be denied the bonus when it was time for it to be paid. That was so annoying, and in that state of mind I asked that the account should be closed citing the discrepancy they showed not meeting their part of the agreement. Then I received a message from the bank representative called XXXX on XX/XX/year>, who expressed understanding for my frustration and went ahead to review my account, and wrote that it has been rectified and the bonus of {$300.00} will be paid to my account on XX/XX/year>. He then told me the steps I should take to close the account after I receive the cash bonus. Reading the message that the issue has been rectified, I replied stating my appreciation for resolving the issue and mentioned that I will be keeping the account open, and there would be no need closing it rather they should tell me how to avoid any monthly fees. What happened next shocked me, as I never received the XXXX dollars cash bonus and the account was closed after I wrote it should not be closed. See attached the correspondence where the bank representative said the bonus will be paid on XX/XX/year>.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (LA)

Here 's a revised version of your message to the CFPB : Subject : Potential Fair Debt Collection Practices Act ( FDCPA ) Violation by ProCollections Inc.

Dear CFPB, I am writing to inquire about a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) by ProCollections Inc.

ProCollections Inc. is claiming that I owe a debt, but I believe this is in error. I have respectfully requested that ProCollections Inc. provide me with a copy of the assignment of the debt or a trilateral contract demonstrating my legal obligation to pay them. I have not received this documentation.

Without such documentation, I am concerned that ProCollections Inc. may be violating the FDCPA by attempting to collect on a debt that I do not legally owe.

I would appreciate it if you could investigate this matter further.

Thank you for your time and assistance. 
Sincerely, [ XXXX XXXX XXXX ] Additional Information : ID And Proof address
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc. (TX)

HAVE SOME INQUIRIES REPORTING THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT., I NEVER GAVE WRITTEN PERMISSION FOR THOSE INQUIRIES TO EVEN OCCUR AND THEY SHOULD BE REMOVED FROM MY CREDIT..
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/XXXX my car was total out my insurance company pay the book value of the car it XXXX but Wells Fargo is still making me pay the difference of the car the balance is left on the car of is XXXX I was on charge for this car could you please help me thank you.
Consumer complaint received 2024-05-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

My mother in law purchased a {$200.00} Vanilla Visa gift card for us for XXXX. We have attempted to use this card at various online locations, and each time is denied. It's denied for any dollar amount. We were advised to try in-store and we have tried several times as well. It was also suggested we purchase a money order at USPS for the exact amount but that did not work either. In total, I have attempted to spend this gift at over 20 online merchants and it's ALWAYS denied - because no zip code can be attached. I have also reset the debit number more than 10x as it's been tried in over 20 physical stores, in both credit and debit formats without success. I have spent more than 10 hours trying to access these funds. It's now XXXX and the funds are still not useable. HELP.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My capital one credit was was stolen from me. when my card was stolen they used my capital one card for purchases which went through. Due to those fraudulent purchases my capital one card went 30 days late. I right away called capital one disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and XXXX. Which they did remove. I have attached my XX/XX/XXXX statement which you will see capital one removed the 30 day late they reported in XX/XX/2023. After 2 months passed capital one reported the 30 day late back which I was in complete shock because that issue was removed. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and XXXX because it is inaccurate and was due to fraud charges. Below I have also attached my XX/XX/2023 credit report which you will see the late. Please help me resolve this issue like it was originally. Thank you
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (IL)

I am trying to buy a home and there's records of late payments that's preventing me from moving forward. I've tried to clear up the discrepancies with the companies involved which revolved around a fraud case with a now closed bank account that the payments were made from. That ordeal caused a terrible domino affect and my family 's future is now in danger. I want to clear up all of the accounts ASAP and clear my late payment marks in the process.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (SC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was a victim of identity theft or mistaken identity. I contacted the bureaus and provided all my personal documents as required along with a identity theft report. I have made several attempts to have this information corrected to no avail. the credit bureaus have not provided and debt validation with proof of any contracts on file bearing my signature to validate the debts, that they are required to provide when requested under the fcra.
Consumer complaint received 2023-07-24
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: TD BANK US HOLDING COMPANY (CA)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2024-05-07
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: Global Lending Services LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, GLOBAL LENDING SERVICES I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections 392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . 

It's been brought to my attention that GLOBAL LENDING SERVICES has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I haven't provided consent for GLOBAL LENDING SERVICES to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws. 

I demand, with unwavering certainty, that GLOBAL LENDING SERVICES immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that GLOBAL LENDING SERVICES will swiftly address these egregious violations, honoring my rights under federal and state laws.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them BK of Amer
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

I've had problems logging onto my TD Bank account because they do not send verification codes by text or calls. Once in a while they will call. Often it takes hours to log on. 
Another problem is when I try to link other Bank Accounts to my TD bank account. For the final step in this process they say I need to verify my email address ( which I have had for nearly 40 years } with a verification code. However they do not ever send a code. This in effect blocks me from linking a bank account with TD Bank. 
I was on the phone with reps and supervisors and they blamed everyone in the world including my cell phone carrier and XXXX for these problems. Today XX/XX/year> I was on the phone with them again for over one hour, but we could not get the problem solved. The rep said she was waiting for a response from a supervisor before she hung up, disconnected. 
Seems to me this is deliberate to prevent linking accounts to TD Bank. I was however able to link my XXXX account because this is done through XXXX.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (LA)

CFPB Complaint against Jefferson Capital Systems XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX. Complaint Details Company Name : Jefferson Capital Systems Product : Debt Collection Issue : Debt Not Recognized / Verification of Debt Not Received XXXX. Narrative I am writing to file a complaint against Jefferson Capital Systems regardin a debt they are attempting to collect. I have not been previously informed of this debt and have not had an opportunity to dispute its validity. 
If Jefferson Capital Systems did send me a notification regarding this debt, I never received it. I request they provide a copy of the notification with a certified mail receipt shoing my signature as proof of delivery. 
Due to the lack of proper notification and the opportunity to dispute this debt, I believe Jefferson Capital Systems is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
IV. Request I request that Jefferson Capital Systems verify this debt and provide me with detailed documentation, including the original creditor, date of delinquency, and a breakdown of the charges. 
I request that Jefferson Capital Systems cease all communication regarding this debt until they can validate it and provide the requested documentation. 
If they canot validate the debt, I request that Jefferson Capital Systems delete it from my credit report. 
V. Additional Information ( ID and Proof of Address ) VI Private Attorney General ( PA ) Awareness Signature XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

I applied for a Southwest Visa through the Southwest website in XX/XX/year>. I never received confirmation that I was approved for the card and was sent to an old address affiliated with my Southwest account. I was never asked to provide a mailing address in the application process. I never received the card and, therefore, neither activated the card or was made aware that it was sent. 

XXXX  charged the annual fee in XXXX and subsequent late fees for the months following. My husband and I only became aware of this card 's existence while applying for a mortgage loan. We learned that our excellent credit score had been significantly impaired by this account that we have never used or activated. The entire balance is fees. 

I have spoken with XXXX to request they acknowledge bank error for the sake of my credit score and they have denied my claim.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NJ)

I had Chime I think XXXX. There was {$3000.00} taken out of my account. It was some sort of game. I do play games on line once in a while. Like XXXX or XXXX. But not XXXX worth. I noticed it was ongoing. Chime told me they investigated and that it was me. I remember going to complain to consumer affairs and the XXXX Nothing was resolved. Chime kept on saying it was me. Im a XXXX and didnt have money to go further. Then I saw Chime was being sued for things like this. I want to know if someone can help me. I do remember getting in touch with President of Chime. By email! No success. Thank you. XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXXXXXX Account number XXXX, has violated my rights. 

Account name XXXXXXXX XXXX XXXX Account number XXXX XXXX has violated my rights. 

XXXX Account number 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX/DEPT OF ED Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXXXXXX Account number XXXX, has violated my rights. 

Account name XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX Account number 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 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased item from XXXX. Item was defective. XXXX authorized the return and I sent item back. XXXX confirmed they would refund monies, did not. Then I disputed charge and Capital One refused to resolve the matter claiming I did not submit proper documentation. I submitted evidence that the return was authorized by vendor, item was received by vendor, and vendor agreed to refund. Yet, this is not enough? 

Case Number : XXXX Returned Items XXXX Tracking Number XXXX Date XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Here are the requested documents for this Dispute. 
The original invoice ; Label receipt from vendor ; Proof from vendor they authorized, received, and were to refund me ; The XXXX proof the items were delivered back to vendor. 
Merchant : XXXX Purchase Date XX/XX/XXXX Disputed Amount {$220.00} Return Delivery Date : XX/XX/XXXX Date Item Arrived at XXXX XXXX XXXXXX/XX/XXXX The vendor made it clear the item could be returned for any reason, and return would be free. I returned the merchandise because it was missing parts and damaged. The vendor emailed me authorization for the return and a return label which I used to send back items. They sent an email confirming the items were received and a refund was pending. This refund never happened, and I never received my monies back. 
Cordially, XXXX XXXX