davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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: AMERICAN EXPRESS COMPANY (IL)

Received {$100.00} AmEx gift card. Unable to use it anywhere -- local stores, XXXX, other online retailers. Get a message that says " payment did not go through '' or " there is something wrong with your card. ''
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (SC)

Subject : Cease and Desist Communication and Unlawful Use of Personal Information Dear January Technologies Inc, I am writing to express my deep concern and dissatisfaction regarding your persistent and unlawful attempts to collect a debt account login XXXX that has been legally canceled through a 1099-C form. Your repeated contact, despite the cancellation and lack of obligation on my part to pay, constitutes a clear violation of my rights under both federal and state laws. 

Your collection efforts have extended beyond acceptable practices, involving the illegal collection of my nonpublic personal information with my consent. This is a direct breach of trust and a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the South Carolina Consumer Protection Code, SC XXXX XXXX. XXXX. 

I demand that you cease and desist all communication with me immediately, as I explicitly do not authorize any further contact or use of my personal information for debt collection purposes. Furthermore, I insist that you comply with the following legal requirements : 1. **Fair Debt Collection Practices Act ( FDCPA ) : ** Cease all communication and collection activities, as the debt in question has been legally canceled, and your continued efforts violate the FDCPA. 

2. XXXXSouth Carolina Consumer Protection Code ( SC XXXX XXXX XXXX XXXX ) : ** Your actions are in direct violation of this code, which prohibits deceptive or unconscionable collection practices. 

3. **Illegal Use of Personal Information : ** The unauthorized collection and use of my nonpublic personal information violate federal and state privacy laws, including to the Gramm-Leach-Bliley Act ( GLBA ) and the South Carolina Data Breach Notification Act . 

I request that you provide a comprehensive explanation of how you acquired my nonpublic personal information. Failure to comply with this request and the cease and desist directive within 15 days from the receipt of this letter will leave me with no option but to pursue legal remedies available under the FDCPA and other applicable laws. 

Your prompt attention to this matter is expected, and I anticipate your full compliance with the law. A copy of this letter will be sent to my states attorney generals office and FTC report will be filled as well to ensure your compliance.
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX, I entered into a vehicle loan with XXXX XXXX XXXX as a co-signer on a vehicle loan for an acquaintance of mine that needed help with getting a loan. A XXXX XXXX XXXX was purchased at XXXX XXXX XXXX in XXXX, ND. The loan was in excess of {$23000.00} and was for 60 months. The other party on the loan had the vehicle from XXXX, it was repossessed in late XXXX, and never made any payments. At the time of the loan, I was not mentally or emotionally well and also was not cognitively aware of all of what was happening and did end up hospitalized after this as a result of my poor health. I do have a history of XXXX XXXX XXXX, financial mismanagement due to my brain injury and other mental health and physical health disorders including XXXX and XXXX. I did file a fraud claim with XXXX XXXX, but it was denied. I also filed a vulnerable adult report with XXXX XXXX XXXX XXXX, XXXX XXXX, MN ; but was told it did not meet the criteria of financial exploitation. The vehicle was eventually repossessed, and I am actively working with XXXX XXXX to rectify this situation. I am able to provide more detailed medical information to show that, at the time of entering into this loan agreement, I was mentally and cognitively unable to understand the situation.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

Citibank charged me an annual fee for a card I do not have any more because I downgraded to a lower tier card. 

Now I've called multiple times, and what bothers me is both representatives I've called I've been hung up on. This is unacceptable. The kicker is the clear attempt to sway me away from an actual representative by making me go through XXXX   automated dialers. Then when I get on the phone I hardly hear the representative, they hardly hear me. 

This is just XXXX customer service, and I want to drag this company down however I can. I get that COVID-19 is an issue right now.
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

Westlake Financial has been asked to correct the proper information reported to the credit bureau since XX/XX/XXXX. as far as correcting the delinquent payments on my account. The account was never late. A Westlake representative asked me to hold off on making a payment because the account was being paid off on a payment between XX/XX/XXXX and XX/XX/XXXX due to my insurance company reaching out to westlake to notify them of payoff for the car after the car was declared a total loss. Westlake financial is a bully with customer and treated me as if I was a front door rug to wipe their feet on. They are a company that seems to get away with derogatory remarks to clients and unfair reporting due to retaliation for customers paying out early on their accounts. Westlake has a reputation of horror stories for dishonesty from other customers and harassment experiences. I am writing to express my dissatisfaction with Westlake 's reporting on my account, stating that it was late. This information is incorrect, and I request that you rectify this error promptly, or for the account to be deleted immediately please please please and thank you.
Consumer complaint received 2018-11-27
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: Credit Karma (NY)

CreditKarma.com has given Fraudsters access to my personal information without my consent. As troubling as that is what troubles me more is that it has been more than 5 days and more than 5 emails an no one from that company has responded to my urgent emails ... '' please freeze my account ''. They need to be regulated! You can not be the gatekeeper to sensitive information and not have 24/7 phone support. That is insane to me! They need to be immediately shut down.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (OR)

I keep getting calls from United Collection Bureau , Inc. ( UCB ) from different numbers from Ohio. I get a call from them at least 2 times a day everyday even on holidays ( XXXX, XXXX XXXX XXXX, XXXX ). I have blocked every number that they call from, all with the XXXX are code, but they keep calling from different numbers. I have a total around XXXX different phone numbers from this company. I do owe a debit for a credit card, but this is definitely harassment and needs to stop. Next time they call I will as them to stop calling and I will have my attorney contact them.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

- vehicle total loss XX/XX/2023, which constitutes a material change in the consumer finance contract. 
- lump sum insurance payment to lender XX/XX/2023 left deficiency on loan. 
- NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I received an alert from XXXX that an attempt to open an account with Fifth Third Bank was made. I waived this as not an account I attempted to open. On XX/XX/XXXX, I learned from a Fifth-Third Bank representative that a business account was opened on XX/XX/XXXX using my name and social security number. The representative would not provide any further information citing that I was not the person who opened the account, despite that it was opened using my personal information. 
Several attempts have been made by XXXX to intervene on my behalf and Fifth Third Bank has refused to acknowledge my notarized POA to XXXX, or provide any information. 
On XX/XX/XXXX, I was on yet another call with Fifth Third Bank and XXXX and they still refused to provide any information regarding the fraudulent account. The amount of damage to my credit is unknown as Fifth Third Bank continues to protect the criminal and due to several notices provided, is complicit in this ongoing fraud.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2024-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (HI)

I received an email today XX/XX/XXXX from Coinbase to log in and provide my drivers license. I did so and promptly received an Account Closure email without any way to contact them as to why and how to get my money out- which was invested in XXXX XXXX. The only way they will help you is if you sign in to your account- which I can not do since they deleted the whole thing! I even tried a support email address from XXXX and it only returned a no-reply email saying I have to log in to contact them. Screen shots have been provided with this complaint. 

Today XX/XX/XXXX I also tried to create a new account and it too was immediately closed. I had originally invested {$500.00} in XXXX XXXX in XXXX and my last balance today XX/XX/XXXX was around {$210.00} ( which fluctuates constantly ). My bank information was connected and I want to sell the position and have my remaining funds returned to me. As well I need to be provided with my tax documents related to selling the position. 

They intentionally have obscured their contact information behind a website that I can not log into. Their XXXX # only directs you to log in and use the " chat '' feature. Thank God I am not in for thousands of dollars but any amount of wrongfully closing the account and taking the money is WRONG. 

Please help me get my funds back as a legal US citizen that has not committed any kind of fraud.
Consumer complaint received 2023-05-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc (TX)

About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called UPLIFT. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a XXXXXXXX XXXX from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from UPLIFT although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to Uplift in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. Uplift has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

In XXXX I went to Citibank to open a business account under XXXX XXXX XXXX XXXX XXXX which wasn't a problem until I bought XXXX through the account which I didn't know was a breach on their system. Then I received a letter from their Fraud Department saying my account is being closed 30-60 days from the date of the letter. Well I contacted them and pleaded with them that I didn't know I wasn't supposed to do that and they didn't care and said I would get a check in the mail for the amount in the account but in the meantime I checked my account and one of my investors put {$6000.00} into an account that I was told was closed. Then I went to the branch office and spoke to the bank manager and he called the Fraud Department and pleaded with them to let him give me the check for the full amount and they said no, I will be getting a check with the full amount of the account. It's almost a month and I'm afraid that Citibank is holding my money hostage and is taking its sweet time sending me the check. I really need this money for my business and I hope you can solve this problem.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed transactions that 1. I didnt make 2. I returned an item but didnt get my credit back but the Banks are always reversing it, which then takes my credit back and I go negative
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I was looking to purchase a XXXX XXXX XXXX  guitar processor on a XXXX user group on XXXX. A group member name XXXX XXXX contacted me and said he had XXXX for sale. He sent me pictures of the item, as we communicated on XXXX XXXX. I agreed to send him {$1300.00} via Zelle for the sale on XX/XX/2024. After the transaction, he continued asking me for more information ( address, email address, bank information ). I did not share any banking information. The person 's Zelle information is XXXX XXXX XXXX, email address is XXXX. This is when I realized it was a scam. I saw many more posts on the XXXX XXXX from this user, saying that they had many other items for sale. They also stated various different locations in their posts.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (IN)

I looked at my privacy notice on my bank account, and it stated that they do not disclose my non-public personal information to non affiliate 3rd parties. So I called early warning services to opt out of them reporting my information to non affiliate 3rd parties as per my consumer rights. they instructed me that I had no such rights.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I have recently identified that there is negative information reported by " XXXX XXXX XXXX XXXX '' on my credit reports under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing XXXX with Reference # XXXX filed in XX/XX/2020 The account XXXX with Reference # XXXX filed in XX/XX/2020 with this court appears to be inaccurate. Please verify and validate this information with the court and provide me with copies of aLL documentations associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Best Regards, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My business acct was frozen and it has been frozen for over a month. I can not access any funds and it is destroying my company. They froze {$30000.00} with no reasoning. I have called many times a day and nobody tells me anything but that there is nothing I can do. They can hold my money as long as they want with no reasoning. What do I do. We have been with Chas bank for over XXXX years. And never XXXX issue. Now they just take my money. It is XXXX XXXX stealing. It is not there money to freeze! Please help me
Consumer complaint received 2024-01-02
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: ADP Inc. (SC)

I received a XXXX card from my employer XXXX. Ive always got direct deposits from my employer. They claimed to forgot to pay me and then XXXX me a XXXX card that couldnt be activated. Ive been sabotaged, ignored, discriminatory acts related to my employment since my major operations. Missing equipment, equipment I didnt request and had to sent back. Getting equipment I sent back and then Hr stating they never got it but I sent photos of the equipment being sent back my XXXX was XXXX XXXX. I missed XXXX class due to denial of through XXXX XXXX  leave which company knew about before I was hired of my Accomdations. Since XX/XX/XXXX I was in training waiting on equipment but I only got XXXX towers no power sources for them and the defective ones I sent back in XXXX. Then, today when trying to activate the XXXX card while on the phone with payroll they said it was protocol to send my check via a prepaid card when all year its been direct deposit with Founders. Now, Ive got no response from employer. Lies on top of lies its like Im being tourtured for filing a complaint. When trying to access the XXXX I noticed multiple employers linked to my old social security number that I never worked for. But when trying to put in my info it showed denied. But then XXXX showed up which is a friend number I asked him for the code and the Employer showing XXXX XXXX has my full name middle name including with a XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. With XXXX employees. And my as a night shift XXXX which is false fraud wrong altered information. It showed benefits and a lot of XXXX people with emails ending in XXXX. It showed a XXXX XXXX account another Employer named XXXX XXXX XXXX with Position XXXX XXXXXXXX, Associate XXXX  XXXXXXXX XXXX XXXXXXXX Night XXXX it shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I worked for them but not XXXX XXXX XXXX I worked for XXXX XXXX XXXX wrong information linked and the XXXX Hotel and XXXX XXXX is a fraud account linked to me. Which explains the XXXX Security key linke to a Corporate account with XXXX XXXX and the ghost account it shows an account number for XXXX XXXX and someone being paid under my old social security card. When trying to file a complaint with XXXX it kept sending an error message. My number isnt XXXX. My number is not the one on this qcccount either.