davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

Hello I went to cash my check for my payroll which now uses Chase Bank and Chase Bank refused to cash my check and also refuse to allow me to open a bank account there I asked to speak with the banker to open account they said no they're all booked up for the day offer me a option for a future date ..... 

In addition to that the representative that helped me said that I can not open account cash a check and then close it she accusing me of committing some type of fraud and I make no suggestion that I was going to do that I actually live right down XXXXhe street and it's more convenient for me to have a bank account with that company especially since my company will be issuing checks on that bank now.. 

The location is bank is a Chase Bank that is in XXXX California located on XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My concern is about using Capital One credit card and its attitude toward customers. 

Without explanation Capital One locked my card and I am not able to use it for more than a month. Calls are not answered and no info provided by the bank. 

Also, Capital One keeps charging monthly fees and interest for the service that is not delivered.
Consumer complaint received 2024-05-15
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

Newrez mortgage. 
Ive had this loan since XXXX of XXXX. 
Recently they made a remark code stating i disputed the loan ..This is not true at all. 
I became va exempt in XXXX of XXXX since XXXX XXXX XXXX it has been filed with XXXX XXXX. 
Upon reaching out to newrez to fix my escrow i get tge run around. 
I have multiple complaints filed in regards to this issue and newrez is not doing anything but continue to tell me there working on it. 
The paperwork for va exemption was filed to newrez in XX/XX/XXXX. 

The account now states i no longer have a loan with newrez. 
This is extremely concerning. 
Not mention the remark that was made destroyed my credit and newrez is refusing any information in regards to why the remark was made. 
Im not late on payments nor have i defaulted in anyway.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have been contacted by a debt collector that refused to provide me with the proper documents I requested. I keep getting calls stating the I must I identify and verify everything before they can give me any information. I asked for a validation letter, a purchase agreement and/or an assignment of debt. I also asked for a 1099 if the debt has been reported as a charge off. so far I have not gotten anything others than calls. I also wanted to make sure that they are reporting anything on my credit files unless it is verified.
Consumer complaint received 2023-11-09
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. (LA)

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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (LA)

According to the Fair Credit Reporting Act, consumer reporting agencies like XXXX and XXXX must treat consumers fairly and respect their privacy rights. As a consumer, I have the right to keep my private information from being shared without my consent. The Act also states that financial institutions have a duty to protect the privacy of their customers ' information. I have not given my consent to these agencies or the financial institution to share my information, so any consent they claim to have is now revoked. The Act also requires that consumers be informed of their right to keep their information private, but I was not informed of this right. Certain items of information are also prohibited from being included in a consumer report without authorization. In conclusion, I am asserting my rights as a consumer to protect my privacy and ensure that my information is not shared without my explicit consent. It is important for all parties involved to follow the regulations outlined in the Fair Credit Reporting Act. 

This account has been reported again without my consent, which is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is prohibited to provide any inaccurate information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e states that every consumer reporting agency must have reasonable procedures in place to prevent violations of section 1681c and to limit the provision of consumer reports to the purposes listed under section 1681b. Unfortunately, XXXX and XXXX are not adhering to these reasonable procedures. Furthermore, as per 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am choosing to exercise this right and opt out of your reporting services.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (NY)

I would like to file a complaint against American Express XXXX Card services. My identity was stolen and I have made American Express XXXX Card services that my identity was stolen and that the charges made on my account are not me and therefore needs to be corrected.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (FL)

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 5 step validation procedure which makes this unfair practices
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I have been using Venmo for about 3 years. Starting in XXXX of XXXX I requested a new debit card which I have yet to receive. I would just transfer the money to my linked bank account and that was fine. In XXXX I received a new debit card number from my linked bank account and so I attempted to replace the card in my Venmo account. I kept getting an error message. Since I no longer have a card on file I can't transfer my money. I've tried other ways and keep getting error messages. I notified Venmo. Since XXXX XXXX I have not been able to access the funds in my Venmo account. On XX/XX/XXXX supposedly a new card was ordered and supposed to arrive by XX/XX/XXXX. Never arrived. On XXXX XXXX my account was then frozen for unusual activity because I tried different ways to access my money. I attempted to buy and transfer crypto which they stopped and so I sold it back but now they're making me wait a week for those funds to review the sake. Altogether though my account is frozen and they asked for identification which I immediately sent. They claimed I had other actions to take so I submitted identification again. Now they are reviewing and want me to wait until the middle of XXXX. This is beyond ridiculous. They can instantly cash a check ( for most people ), instantly move money, etc but when it comes to me and my account I have to wait weeks and months? Not acceptable! I just want my money. I have always received money from the same people, spent at the same places, no irregular events in 3 years. So there's no reason to withhold my money. It's not even a large amount. XXXX $ but I need that money. I depend on it. I just want my money immediately to the bank account that has ALWAYS been linked and im done. Close that Venmo account.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) in regard to a XXXX Late Payment notifying them their records were incorrect and asked them to remove the negative reporting from my credit accounts. I sent them proof of payment from my bank and to date they have still not removed the negative mark on my account despite my disputes.
Consumer complaint received 2023-09-18
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: DISCOVER BANK (NY)

My credit report is showing late payments to DISCOVER BANK XXXX and DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK 's customer service representative.
Consumer complaint received 2024-01-24
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 (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( TD BANK USA/TARGETCRED XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-05-16
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: CITIBANK, N.A. (NY)

I made a purchase on my Citibank credit card XX/XX/XXXX regarding an on going service issue I had with the retailer Sears since XXXX of XXXX. The total amount charged in XXXX was {$410.00} and was to cover the cost of parts and service for an in home repair to be made by Sears. It has now been 5 months since my purchase and 7 months since my initial agreement with Sears. I have reached out to sears numerous times to schedule appointments and they just keep cancelling and rescheduling. No one ever shows up. They are taking full advantage of the elderly and it is wrong. I finally filed a dispute with Citibank to not pay this charge as the part has still not been installed and there is no way to return the part. Citibank originally said they could not continue with my dispute because sears provided proof that the part was installed. I responded saying the only proof they showed was that the part was delivered to my house, no proof of install and no proof of a technician coming to my home. Citibank is now saying it is XXXX terms and conditions to not reverse the charge because the merchant is choosing not to return the money. Citibank then gave me a number for a different department at sears and said this is how you can contact them for return. Ive reached out to sears again and they want their part returned but will not refund the money. So I asked Citibank to refund my card should I return the part and sears not refund the money and Citibank said this dispute is closed and there is nothing they can do because of the terms and conditions XXXX has in place.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MO)

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AK)

My XXXX XXXX XXXX on.. 

On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a XXXX  XXXX. When the loan XXXX printed my report- Wells Fargo XXXX card showed up on the derogatory report. XXXX is XXXX, & XXXX XXXX XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank XXXX in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its XXXX XXXX and not delinquent? 

I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for Wells Fargo XXXX XXXX. That number is incorrect. I got put on hold on all instances and probably over XXXX XXXX on the phone. 

Please see attached
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I sent a letter to this company on XX/XX/2023 and have not received a response from this company. I am not liable for this debt with XXXX  XXXX XXXX  usa and I do not have a contract with Portfolio Recovery, plus they did not provide me with the original application like I asked. I feel like I am 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 XXXX  XXXX  gives a reason to immediately remove those items from my credit report and it has been over XXXX XXXX so they should be deleted promptly. I demand this account to be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. The product/service is a XXXX, Account numbers is XXXX-XXXX.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (TX)

Reporting Act 611 ( a ) ( 7 ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

JP Morgan Chase Bank is wrongfully holding a deposit of mines that cleared on the XXXX of XXXX. The deposit is from a company for a settlement I received from being injured that left me XXXX XXXX. Ive been waiting 4 years for this settlement. They restricted my account as soon as the check cleared. Then recently closed my account and are holding my money. This is so wrong and unethical on so many levels. They keep saying they need to verify the check and mind you the check had been cleared the other bank. I hate to think its because of race as if someone of my race couldnt receive a large deposit as such. I have never experienced anything like this with a bank. Chase bank is horrible to do business with and I wouldn't recommend them to anyone!!! If the money isnt mine then why havent they sent it back to the issuing bank? I have also filed a complaint with their executive office and Im looking to hire an attorney to get my money.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my credit report. The credit bureaus conducted their investigation and concluded that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address. These inaccuracies include [ describe the specific inaccuracies you found, such as incorrect account balances, outdated information, accounts that do not belong to you, etc. ]. 

Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. This has caused me considerable distress and has potentially impacted my credit score and financial standing. 

In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
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 (FL)

After reviewing my Credit Report I noticed that the CRA 's including CAPITAL ONE AUTO FINANCE are illegally reporting transaction history in my Credit Report which is not public information ( Account number XXXX ). This is a direct violation of the Privacy Act of 1974 and a violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. I demand that this transaction history be removed immediately.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( WORLD FINANCE CORPORATION ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( WORLD FINANCE CORPORATION ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I called the customer service number on the back of my credit card yesterday XX/XX/year> at XXXX EST and spoke with a representative to report four fraudulent charges on my credit card. The representative stated she opened a case to investigate the fraud charges but I did not receive any email serving as confirmation that TD is aware of my report. Therefore, I am also opening this CFPB case to timely report these fraudulent charges in writing to TD Card Services. Please reference the letter attached to this complaint.