davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I opened an account at a local branch where I then deposited a physical check from XXXX XXXX themselves with the amount being {$7900.00}. I was then told that the check would be available in 10 days. In that time frame, my account had already been closed for " fraudulent '' activity according to customer service so I was informed over the phone that as soon as the check cleared and the account was closed, I would receive the funds back. On XX/XX/XXXX, I received a paper statement from Truist saying that the check cleared, and the account was closed on XX/XX/XXXX with a close out amount of what was initially deposited. I have attached this form to this email. I called today, XX/XX/XXXX, and spoke with XXXX in the check department, when I was told that the check from XXXX  XXXX, which is a legit bank, was flagged and that I will not be receiving any of my funds and there is no way to appeal. I asked questions regarding the check and could not get any information as if he wasn't sure what he was talking about. I am hoping that you can resolve this issue and return the funds that are rightfully owed to me.
Consumer complaint received 2024-05-02
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)

I need to urgently address a critical matter concerning my consumer report with XXXX. Regrettably, there are accounts listed on my report that I never AUTHORIZED nor did I give WRITTEN consent for this information to be furnished. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to XXXX, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement.

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective IMMEDIATELY. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC s 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 
After XXXX continues to ignore the facts and the law i have tried another way to appeal to them by sending the XXXX XXXX facts that these accounts aren't even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TX)

On my XXXX and XXXX reports its showing that Bridgecrest financial which is my car loan company has reported XXXX missed payments which is inaccurate. 
I have tried to call the company and speak to someone about this but its getting no where. 
I requested to be provided with specific proof that these alleged late payments were in fact late. 
I have had an account with this auto loan company since XXXX. Reporting XXXX missed payments is not correct. Their would have been a repo order out on the car and I have never had anything like that happen.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

i closed the credit card account on XXXX XXXX. I guess there were some charges still pending which posted to the account on XX/XX/XXXX. 

I had set up auto pay as i do for all my accounts. the reason i closed this account is i never really used it. I was out of the country for a month or so and yesterday i got an email that the account was past due. 

When they closed the account they also canceled my auto payment so the charges which posted after i closed were not paid as they should ahve been. 

Company said that i got a letter that auto pay was canceled. Perhaps i did ; dont recall seeing it. Eitherway the company canceled the very process that would have saved me from a late on my credit and the late fee. I dont think i should have to pay the late fee for what is a process gap on their side. There is no reason to cancel the auto pay if there are charges pending/posting. I think that is intentionally deceptive to generate fees.
Consumer complaint received 2024-05-02
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 (TX)

In accordance of the reporting act - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Capital one, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 


The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( 15 U.S.

Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

To whom it XXXX concern : My name is XXXX XXXX. I am a consumer and is filing a complaint against Chase Bank, specifically the Chase Sapphire XXXX Credit Card. This is regarding the matter of them failing to reward the XXXX extra bonus points after I have completed the travel promotion as well as their poor communication to me in the last 2 months. From the way they handled this matter, I feel like I was scammed from the bank that Im actively using. 

On XX/XX/XXXX, I signed up for a travel offer where Id be earning extra XXXX points if I purchase a flight and hotel totaling {$100.00} minimum via Chase portal and completed it by XX/XX/XXXX. My flight was booked on XX/XX/XXXX. I completed the flight on XX/XX/XXXX. The price was # XXXX. My hotel was book on XX/XX/XXXX and I stayed at this hotel on XX/XX/XXXX totaling to {$140.00}. I even called the representative at Chase at the time of booking to confirm if Id qualify for this offer and was reassured I would. 

On XX/XX/XXXX, I called in to follow up on the reward points and was advised to wait XXXX weeks from the time I completed the promotion which was XX/XX/XXXX. On XX/XX/XXXX, I called again and this time they said someone will reach out to me via a letter in the mail. I was advised there was no other way to communicate. I was advised if I wish to communicate or file a complaint, I can write a letter to their po box . 

I called back first week of XXXX and now another person advised me it would be XXXX weeks from the time the promotion ended. The promotion ended on XX/XX/XXXX. Then, I called again when it was XXXX weeks from XX/XX/XXXX and on XX/XX/XXXX, a representative named XXXX said its actually XXXX weeks from the statement date. 

During all this time of incorrect information, I also communicated with Chase via secure portal. Someone named XXXX finally asked for proof of purchase on XX/XX/XXXX even though everything was booked via the Chase portal. The latest correspondence was from a rep named XXXX on XX/XX/XXXX who told me I was confused about this promotion. Because I used some points to lower the cost of purchase, the booking didnt qualify for the promotion. 

I am not sure why someone who works at Chase could not have told me this back in XXXX or even from the first time I called to confirm how to book correctly to qualify for the promotion. It was not until 2 months later with repetitive follow up from me that until today, they finally said oh by the way, you dont qualify for the promotion.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

I opened a PayPal Credit Account from within my personal PayPal account that allowed me to make credit purchases digitally w/o requiring a physical card. When making a pmt to my CC, I would simply login to PP & submit a pmt to my cc & we NEVER had an issue making on-time pmts for several months. However, at some point our pp acct was hacked & then upgraded to a business PP account wholly unbeknownst to me. Once this happened, we no longer had any access to login & our cc acct information completely got deleted from our account & left us with literally no way to even make a payment. Further, our acct was used illegally which increased the balance to over $ XXXX when we only used the card for approx $ XXXX {$700.00} in charges. I contacted PayPal multiple times trying to regain access to my account & figure out how to make a payment, but PP could never figure out how to fix my account, which caused me to have multiple late pmts reported on my credit, which reduced my credit score by over XXXX points & PP wouldnt help in the least bit even after sending in a copy of my police report along with a form that was supposed to be sent in w/ my police report. Fast forward to XX/XX/XXXX & as my husband & I were out in our yard planting flowers, we had a process server show up to serve us with court documents showing that XXXX XXXX  had filed a lawsuit against me & when I called, they threatened to garnish my bank account & that they would be contacting the XXXX XXXX  XXXX XXXX to have my XXXX License suspended for being a XXXX  & not paying my bills. They have egregiously violated many consumer protection laws including never properly providing the debt validation documents which they are required to do so within X number of days.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (GA)

I signed a lease with XXXX XXXX aka XXXX XXXXXXXX XXXX XXXX around late XX/XX/year>, immediately after moving into the unit in XXXX of XXXX, I discovered the apartment was uninhabitable. It flooded on five separate occasion. I later found out that the XXXX floor was labeled as the XXXX XXXX  by other resident. On XXXX of XX/XX/year>, after a flood in the apartment, I demanded to be moved to another unit. They agreed after some back and forth conversations. I found a unit on the seventh floor in MID-RISE after looking at available units. Upon speaking with the manager she informed me that I needed to pay a prorated rent to move despite my furniture sitting in water in unit XXXX. This confused me because I had already paid rent XX/XX/year>, she claimed that was the only way I would be allowed to move in. I paid around {$1400.00} to get the key for unit XXXX. I paid full months rent of around {$2300.00} dollars for the XXXX of XX/XX/year> and around {$1400.00} dollars around the XXXX XX/XX/year>. 

I moved my property to the seventh floor and immediately discovered the seventh floor was leaking from the roof. I immediately attempted to resolve the issue with the office to no avail. I disputed charges with bank to no avail. I later in XX/XX/year>, received a call from a collection stating I owed XXXX XXXX {$2600.00} dollars for rent for XX/XX/year>. I disputed to no avail. I checked my credit and learned Hunter Garfield had access my credit in effort to collect this debt. this was done to retaliate for me calling code enforcement on XXXX XXXX aka XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

We called numerous times to open the account. Their system did not recognize my phone number many many times, and I had to upload my drivers license at least three separate times. It took us three days and hours of time to get the account open. I made a deposit and they froze it. They directed me to a branch XXXX miles away. Completely incompetent
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I have made multiple requests to Midland Credit Management to show proof that this company did purchase a charged-off credit card debt from XXXX XXXX XXXX XXXXXXXX XXXX This company claims that the debt was acquired in XX/XX/XXXX. As the Consumer Financial Protection Bureau ( CFPB ) has fined MCM as much as $ XXXX in the past for fraudulent collections, my case is no different. All that MCM has is an electronic transfer of information, not a legally assigned purchase of a debt. I demand that this collection of {$780.00} be expunged immediately, and that the collection be immediately removed from all XXXX pertinent credit reporting agencies. The $ XXXX settlement from MCM to the CFPB is stated as follows : Encore Capital Group, Midland Funding, Midland Credit Management, and Asset Acceptance Capital Corp . 
On XX/XX/XXXX, the Consumer Financial Protection Bureau ( Bureau ) filed suit in federal district court in the Southern District of California against Encore Capital Group , Inc., and its subsidiaries, Midland Funding, LLC ; Midland Credit Management , Inc. ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} XXXX and annual net income exceeding {$75.00} XXXX. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty. The settlement also requires Encore and its subsidiaries to make various material disclosures to consumers, refrain from the collection of time-barred debt absent certain disclosures to consumers and abide by certain conduct provisions in the XXXX consent order for five more years. 
Accordingly, I demand that MCM as well as XXXX XXXXXXXX XXXX  XXXX. be sanctioned and fined for this fraud against an American consumer. 
XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (IL)

The company canceled my debit card without my permission. I received no notification or anything really. I had to figure it out on my own when my card was rejected at the store. I cant access my money. When I called they said they canceled it and sent me a new one. One did not arrive after 2 weeks of the cancellation as they assured me. I still havent received a card and I cant use my money. I asked for a new one to be shipped but have no idea of the status. I had to reach out to customer service to be told that a new card should arrive in 2 additional weeks, leaving me without access to my funds for over a month. Customer service informed me that I do have access to it digitally so my access isnt a legitimate problem. I cant buy gas.
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: CarMax, Inc. (TX)

Reported a number of Hard inquires showing up after XXXX XXXX XXXX  data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and XXXX XXXX # XXXX. As Executor and authorized Agent for XXXXXXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (FL)

This company never gave me a 5day notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!!!!!!
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

I met this girl online. She approached me on XXXX XXXX. She said she had an aunt who worked for a company that did foreign exchange when the market looked good. 
She had me start off by chasing out some XXXX  that I had, the money would go to XXXX, XXXX and then send it to XXXX wallet. Once it was in the XXXX wallet, she had me click on a XXXX XXXX to open that screen and click on the XXXX  that said XXXX. After I had put about {$3500.00} into XXXX and made money, the girl said that I could make more money if I did a wire transfer ; we could even make more money. I went into XXXX XXXX, to make my first wire, but XXXX XXXX  said that they would not do it, it could be a scam. 
On XX/XX/year>, I went into Wells Fargo to see if they would. They asked a couple of questions about the wires I needed to do. I showed them how I would move to the XXXX wallet and how it was growing in the XXXX XXXX  of the XXXX wallet. We sent {$15000.00} to XXXX in XXXX XXXX, CA that day. 
On XX/XX/year>, I went into Wells Fargo because I was instructed to wire {$20000.00} to XXXX XXXX Once again, it went to XXXX  XXXX XXXX XXXX XXXX CA XXXX 
On XX/XX/year>, I was instructed to wire {$40000.00}, but this time, it was wired to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
On XX/XX/year>, I went into XXXX XXXX because I was instructed to wire {$60000.00} this time. They instructed me to wire it to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
I would also like to point out that the last time I was at Wells Fargo, I showed them how it had grown, and they asked if they could have someone from Wells Fargo call and talk about how to invest the money I would be getting, they give me his name, but he also call me about setting up an appointment. His name is XXXX XXXX ( XXXX ) XXXX. E-mail : XXXX. 

I would like you to see the letter for more details. 
Thank you. 
XXXX XXXX