davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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 (UT)

I have 2 credit cards with Capital One. One is a Venture card, the other is a Cabela 's brand card. I was attempting to make a purchase online for {$460.00} using one of the cards. The transaction was declined and I immediately received a text alert saying I needed to contact Capital One for suspicious activity. I called them immediately and verified my identity and the charge. I was told by the agent that the card was clear and I could reattempt the transaction. When I did, it was declined again and there was another fraud alert placed on the card. I called once again, verified myself and the charge again. Again I was told the card was cleared and to reattempt the transaction. The card was declined AGAIN and another fraud alert placed right back on the account. I called and repeated verification a XXXX time. I was told again the account was cleared and good to use. However when I checked prior to reattempting, I saw the restriction was not removed. I called for a 4TH TIME and now they were requesting a higher verification, as if I hadnt completed 3 verifications already. I refuse to allow them to syphon my time and energy to complete things that have already been completed. They are paid to be on the phone with me, I AM NOT. This is their job but I have a job also and I can not be reasonably expected to spend hours on the phone with them verifying the same transaction 3, 4, or 5 times even. I asked for a supervisor to try to resolve the issue reasonably and they apparently dont even know what the definition of that is. MY TIME IS VALUABLE ALSO AND THESE GAMES WASTING IT ARE NOT APPRECIATED.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Earlier this year, I applied for a credit card through Chase Bank for XXXX XXXX XXXX XXXX Credit Card. I had received an invitation to apply while on the XXXX website and the offer was : Spend {$3000.00} in the first three statement cycles and receive XXXX bonus points. Also, a {$300.00} statement credit toward any purchases I make at XXXX. Since I had been in banking and specifically credit card administration for a major bank, I recognized the offer as a good one and applied for the card. I got the card and used it to ensure that I hit the requirement and, when I did, I received XXXX bonus points, not the XXXX that was in the offer. I contacted Chase and the representative transferred me to a supervisor who indicated that he indeed saw an offer and put through the request to have my account adjusted. He indicated that I would get an email in a few days. After about 10 days, I got a letter in the mail that said I was not eligible for the points. I called back and was told that they had no record of the offer. That is simply not true. I am very specific when accepting offers and my prior experience allows me to " speak the same language ''. My interpretation was actually confirmed by a Chase representative and still, they are reneging on their offer. There is no one else willing to speak with me from Chase but I want my XXXX points that I did not receive.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I got scammed early this XXXX for {$900.00}. So we filed for a claim from the Bank of America. They told us to wait for 45 days but after that they said they cant do anything.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO. (NJ)

I ordered a XXXX XXXX XXXX XX/XX/XXXX. The car was delivered XX/XX/XXXX. Since I've had the car its been impossible to get service requests and software updates. There are 2 open safety related recalls. I am unable to use XXXX XXXX because XXXX does not have any service centers. Techs will come to house but they do not issue any paperwork. XXXX is a new car company and chase XXXX loans was the partner lender. I got my loan approved in XX/XX/XXXX and about a month after Chase issued a promotional rate for the XXXX XXXX because cars were not selling. The company was highly mismanaged and XXXXr burned over XXXX XXXX dollars in XXXX. They are now in XXXX XXXXXXXX protection and looks like XXXX. XXXX is imminent. Chase XXXX  loan i believe knew the cars were not selling and gave early adopters higher rates. I believe they knew the promo rates of XXXX  % were going to be marketed. 
The position of the company puts me in a hard place. My car is not serviceable. The recalls will not be addressed due to XXXX. XXXX also discounted the unsold inventory by XXXX %. Early customers now have lost more than XXXX % value of a XXXX car. This is because the XXXX management mismanaged cash and put the company into XXXX. 
I am looking for any help. As well as XXXX of owners across the XXXX. This should be fraud. There have been multiple articles written about the company.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCD Financial, LLC (OH)

I mailed NCD Financial LLC several letters since last year asking for debt verification. I do not remember opening this account and wanted to see written proof. The refuse to send anything back to me in the mail but continue to update on my credit report as late and open and its been years like this. Nobody responds or send me anything in the mail back with verification
Consumer complaint received 2023-03-14
Product: Credit card or prepaid 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 (FL)

CAPITAL ONE. 

XX/XX/XXXX. BALANCE TRANSFER of {$12000.00} XX/XX/XXXX BALANCE TRANSFER of {$3000.00} to XXXX XXXX XX/XX/XXXX ELECTRONIC PHONE CREDIT of {$15000.00} Returned on XX/XX/XXXX. 
None of these transactions were done or authorized by me. I reached out to the Bank on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I was told that I need to submit a bank statement for XX/XX/XXXX phone payt. This is impossible since I have no connection to that payt or to the Bank.
Consumer complaint received 2022-12-04
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed with the bureaus on XX/XX/2022 but they did not remove the items below. Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I submitted a complaint on XX/XX/year> because I had an AMEX gift card that was unusable on XXXX, XXXX and any other website I tried as well as being unusable in person in a grocery store. I received confirmation from CFPB that they sent my complaint to AMEX. But then they closed the complaint because AMEX said they were sending me a check for the {$250.00} value of the card and cancelling the card. They misspelled my name on the check even though it was spelled right on the letter and the complaint and the gift card. So my bank will not cash it, even though it's similar to my name and has my mailing address on it. There is no phone number or contact info on the check payment stub nor on the letter they sent. So I'm basically starting the entire process over again.
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc. (MI)

Complaint XXXX was closed erroneously. I spoke to XXXX  and they alleged that the reason they responded to you that they were not the correct company, was because they allegedly never received my certified letter of debt validation and thus, must of course be the incorrect company. 
This is not a durable excuse, but it does further validate their deceptive and abusive handling of the matter. 
I've included documentation that removes any doubt they are indeed the company that slandered my credit for years, and this copy of my credit report should be able to survive any suggestion they're not the culprit. 
I expect them to explain why there was no due diligence applied to the matter before slandering my credit. The original creditor, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX has also failed to produce any detailed accounting of where this debt came from and I was working with the CEO directly, XXXX XXXX. It is my suspicion that there's active collaboration between these two entities as a means to launder fraudulent medical bills. In fact, their actions check most required boxes for interstate racketeering. This is supported by the rapid pace XXXX abandoned me as a patient after fraudulently billing my self-funded insurance plan ( not subject to federal oversight ) and the immediate derogatory remarks XXXX added to my credit report. This is further validated by their failure to verify the debt with the reporting agencies, and the failure of either company to produce any billing records, XXXX, medical records supporting any services billed for, etc.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I realized that my credit was stolen when I got a call from XXXX card services requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXX of XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, Capitol One, XXXX XXXX and XXXX XXXX before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), Capital One XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXt XX/XX/XXXX.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

I reported unauthorized transactions that occurred on my debit card which was saved in my XXXX XXXX to Charles Schwab Bank on XXXX. These unauthorized transactions were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They stole access to my phone and charged my debit card to add cash to my XXXX XXXX XXXX with XXXXXXXX XXXX XXXX which they then used to send cash to themselves. All of these charges were unauthorized. 

XXXX XXXX  was the most uncooperative when asked for more information about the unauthorized transactions. XXXXXXXX XXXXXXXX  did not cooperate with any of my questions about how much was transferred, whether they can share bank statements, call logs of my notifying them & the relevant XXXX departments of the fraudulent transactions or where the cash was sent. Schwab Bank conducted an investigation and concluded that the charges were not unauthorized. I've sent Schwab Bank police reports, email notifications of my personal information being changed on my accounts, and evidence of my other financial accounts being hacked and they still will not acknowledge the transactions were unauthorized. 

This is the claim number with the Fraud Investigations Department at Charles Schwab bank : XXXX
Consumer complaint received 2024-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have received a handful ( XXXX new ) hard credit inquiries over the past XXXX weeks. All of these are fraudulent. These are the ones that I have been notified on, but there may be some I've missed. I have not performed any hard inquiry in the last year. 

XXXX XXXX XXXX XXXX XXXXXXXX ( spoken with company and will be removed next XXXX hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX ) XXXX XXXXk XXXX ( spoken with company and will be removed next XXXX hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX ) Capital One Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX XXXX ) Capital One Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX
Consumer complaint received 2023-05-08
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: CLGF Holdco 1, LLC (SC)

I have a hard inquiry from XXXX Inquiry : XXXX XXXX, 2022 - Bank ( XXXX ) XXXX Identify theft Ive called and told them someone fraudulent open this account they said they would remove the hard inquiry 3 months ago and still havent I need it off immediately its negatively affecting my credit Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (TX)

This is my second attempt with Cfpb to resolve this issue with Coinbase. This has been an ongoing issue with the company. 

I have been trying to log into my account to sell or trade my assets for some time. Several months ago, I contacted Coinbase chat support to assist me in this matter. The agent told me to create a new account and submit a ticket, so I did that. Now, I have two accounts : the old account, XXXX, and the new account, XXXX. 

I also created the second account to buy currency to pay for a service on another trading platform. However, Coinbase flagged the new account because I already had the old one. I contacted chat support several times last month and this month, spending three or more hours trying to get restrictions lifted on the new account or access to the old account. 

During one of the sessions, I was told to send images of the problem, including an email link showing the reset button not working. I was also instructed to send my passport to verify the new account and my old passport for the old account. Additionally, I had to send the last four numbers of my old phone number, which I had to research. After all this, nothing was resolved. I was just told to close the old account and forfeit my assets if I wanted to keep the new one. I did not want to lose money, and I have already missed opportunities to build my account. 

I was told to look out for an email with updates from support, but nothing ever happened. On the last call on XX/XX/XXXX, I spent another four hours submitting screenshots of the same issue I have been dealing with for eight months. Finally, the chat support agent said he would make a note to higher support and that they would email me back, or I could call their contact support number. 

I called the number for the 50th time, and it directed me to go to Coinbase support and chat with a live agent, which is what I have done. I see no real end to this. I have lost money and the chance to increase my assets. This is not fair. I was finally told to close my new account because I am not allowed to keep two. Now, they have my assets and my data.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 SYNCB/TJX CO Date : XX/XX/2XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

In Accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also it states a consumer reporting agency can not furnish an account without my written instructions.

15 USc 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.
Consumer complaint received 2024-06-10
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. (MI)

In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy.

15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue
Consumer complaint received 2024-06-10
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. (MI)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ACCOUNT NUMBER XXXX 15 USC 1681 section 602a. States I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency May any consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.