davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I originally opened the account for a MasterCard with Capital One card after bankruptcy. It was a special offer for people trying to rebuild their credit and required a deposit. I have faithfully paid the card every period, usually early and sometimes carried a balance just to help boost my credit score.      In   XXXX   XXXX    ,  Capital One  charged me an annual fee. They waived the fee every year in the past. I called and asked if the fee could again waive the fee. The representative told me they were not able. I have several other cards now with higher credit limits that do not charge annual fees. I stated if you cant waive the fee, please close the account and refund the fee and the deposit that was used to open the account. I was instructed that I could not close the account with a balance. I would have to pay off the balance, and wait  XXXX  cycle to refund the amount owed. On   XXXX   I called to cancel my account and was told their policy would not allow me to be refunded the annual fee as more than 45 days had passed. I was willing to prorate the amount. I requested the account to be closed and the deposit refunded. I told them I would take up the refunding the annual fee with CFPB. This was my oldest line of credit and closing this account will negatively effect my credit. I believe that this is part of their strategy and why they are unwilling to waive the annual fee.   Once again, with my credit score coming a long way, why would I pay an annual fee when almost every other credit card has no annual fee?
Thanks
Consumer complaint received 2023-03-15
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson Capital System a ppeared on my credit report after the original creditor  XXXX   XXXX  deleted the account after several letters of dispute. I have never owned a  XXXX   XXXX  account. I believe after the original creditor deleted the account from my credit report the account was sold to  Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of  this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have made at least XXXX other complaints regarding an account reporting on my Equifax report, they keep requesting verification of my identity in which I have sent each time they have requested this informationbasically they are using a stalling tactic and I will not accept it. 
Recently I looked at a copy of my credit report and noticed an inaccuracy on my file. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX Account Number XXXX I AM ATTACHED PROOF OF MY IDENTIFICATION FOR THE XXXX time
Consumer complaint received 2023-05-24
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX, DES Child Support Enforc. Account # 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 2022-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

My issue is very simple, A bitcoin deposit was made to the Coinbase XXXX XXXX on XX/XX/2017 - XXXXXXXX XXXX  EST. The bitcoin was received and can easily be confirmed on the bitcoin XXXX XXXX XXXX XXXX XXXX The platform has had the transaction in a " pending '' state for years now ( see screenshot ) and will not credit me the funds or respond to any emails or tweets. My last phone call to the company earlier this year the customer service rep said he will create a new ticket, yet I have not heard back. I have been a customer for years and have used the platform successfully many times since this transaction so it seems to just be a bug that they will not address. The issue is I have lost {$1000.00} 's of dollars due to the price trending downard this past year as the funds have been held hostage.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I observe some inaccuracies reporting on my credit report. Please correct all of the accounts that follow. Please see the following accounts/items and update accordingly. If not I will have to file complaints to the Federal Trade Commission and the Department of Justice. 

Account name : NEW XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Cell Phone I am requesting that all errors in the item be deleted and correct the information. I am under a lot of stress knowing these inaccuracies will affect my future loans.Please mail a full copy of my credit report to me as soon as possible.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My Citibank Costco Visa card was abruptly closed by Citibank on X/XX/17 without prior notice or explanation as to why they are closing my account. I just found out about the problem at a store when I tried to use my credit card and it was declined. I called Citibank using the number listed on the back of the card, but the specialist on the line could not tell me why my card was suddenly closed without an explanation. I have been advised to write Citibank a letter to ask what happened to my card. I was only given a XXXX XXXX XXXX without a name. This is an unacceptable behavior from Citibank. I have been a loyal customer for years without issues. Now I can not even get an answer from anyone.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-22
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: 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. 
XXXX XXXX : # XXXX, XXXX 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 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 2017-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MS)

I advised the company   XXXX   XXXX   XXXX   that I was   XXXX   XXXX    and to assist me with  Soldiers Relief Act due to the interest and and fees as of today 's date they have not lowered the fees and interest and sent account to collection without assisting me in this matter. I advised as soon as they had adjusted my accoun t I would start to pay in accordance with the terms of the agreement as of today 's date they have never done that.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (GA)

Optum bank holds my HSA funds. My employer 's benefits provider selected this bank. Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account. This was found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. 

I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I've contacted my employer 's benefits provider but unfortunately there are no other HSA banking options other than Optum
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (SC)

COMPLIANT IS NOT A DUPLICATE PLEASE REFER TO PREVIOUS COMPLIANT WRITTEN ON XX/XX/20 MARKED AS DUPLICATE. 

GUILTY OF NOT FOLLOWING SECTIONS 609 AND 611 AS DOCUMENTED OVER 43 TIMES. 

HAS COMMITTED PERJURY FRAUD AND NEGLIGENCE. 

HAS REFUSED SERVICE. 

HAS CONTINUED REPORTING FALSELY ON ALLEGED ALLEGATIONS FOR UNVERIFIED ACCOUNT AND CONTINUED WRITING DEFAMATORY STATEMENTS BUT NOT LIMITED TO HAS COMMITTED TAX FRAUD REMOVE ANY AND ALL INACCURACIES BUT NOT LIMITED TO IMMEDIATELY AS YOU ARE MONTHS PAST THE DEADLINE TO DO SO. 


THIS COMPANY RECEIVED 45 PAGES TO VERIFY AND RESPOND TO WHICH THEY REFUSED TO DO. 

THIS COMPANY HAS GIVEN MERE STATEMENTS OF BELIEF AND NOT FACT. 

THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW.

THIS COMPANY REFUSES TO FOLLOW SECTIONS 609 and 611 AS DOCUMENTED AND CONFIRMED AS RECEIVED OVER 45 TIMES THIS COMPANY CONTINUE HARASSING CALLS AND HAS FAILED TO FOLLOW CEASE AND DESIST THIS COMPANY HAS COMMITTED PERJURY UNDER OATH THIS COMPANY HAS COMMITTED BUT NOT LIMITED TO FRAUD NEGLIGENCE SLANDER WITH DEFAMATORY STATEMENTS THIS COMPANY HAS NEVER PROVIDED ANY LEGALLY COMPLIANT VERIFICATION AS REQUIRED AND STATED BY WAY OF 45 CERTIFIED CONFIRMED AS RECEIVED LETTERS. 

THIS COMPANY FILED A FRIVOLOUS LAWSUIT OVER ALLEGATIONS NEVER HAVING SPOKEN TO THE ALLEGED CONSUMER THIS COMPANY SPOKE WITH PERSONS OTHER THAN THE ALLEGED CONSUMER. 

THIS COMPANY CONTINUE THREATENING LEGAL COURSES OF ACTION OVER NON VERIFICATION. 

THIS COMPANY HAS FALSELY MISREPRESENTED THEMSELVES AND SHOULD NOT BE ALLOWED TO PRACTICE LAW FOR WILLFUL AND PURPOSED NEGLIGENCE USING ILLEGAL TACTICS AND NOT FOLLOWING THEIR ETHICAL DUTIES OF THE PROFESSION OF LAW AS IN THE CANDOR TO THE TRIBUNAL AND THE BUSINESS PROFESSIONNEL OATH TAKEN TO PRACTICE. THEY ARE GUILTY OF MALPRACTICE FOR ALL REASONS STATED BUT NOT LIMITED TO. 

AGAIN THEY REFUSED SERVICE FROM ALLEGED CONSUMER AS DOCUMENTED KNOWING THEY WERE IN THE WRONG.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX account number XXXX,, XXXX XXXX XXXX account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence ENGELHARdt v. GRAVENS ( MO ) 281 SW 715, 719, I presume that no proof of the debt, nor therefore any such defect, therefore exist.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Wells Fargo / Dillards has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions.

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Michael Haynes & Associates, LLC (OK)

I received a phone call from my father that a rep, XXXX, told him she was an attorney representing someone who was going to arrest me. I called the number he gave me from my office as it sounded urgent, scary, and I have no reason for someone to threaten that. I got on the phone with a gentleman who refused to identify himself. I told him I was calling from my work phone and to not call that number or my father. I asked him what attorney it is and why she would say I was to be arrested. He told me he listens to everyone 's phone calls and no one would say that. I told him that is what my father said. He told me my father must have been confused. I told him my father does not get confused. The rep scoffed but said okay. He then gave information about the account I supposedly had, which was completely foreign to me. He then said it was a business account, and the name is something my ex-husband used to call our daughter. I advised the rep the account was not opened by me and that I would like information to report the account as fraud. He told me since it was someone who had access to my computer that opened the account that it is not fraud and I am liable. I told him that someone taking your information and opening an account it identity theft. The rep began to taunt me and asked if I was an attorney. When I told him, no I am not an attorney, that I am a XXXX XXXX he was laughing. I asked again for info in order to report the account. He just continued to tell me it wasn't fraud. Since I was at work and he was not helping me, I hung up. The rep then called my father again, despite being told not to, to give my father the account information he refused to tell me and to tell my dad I am very rude. The rep then called me again, at work, despite being asked not to. He said he didn't appreciate being hung up one. I told him he can not call me at work. He then told me he could, and again am I a lawyer to know he can't? I let him know that I had looked up the company website and found that is a non-attorney rep so wanted to know why he wanted to taunt me over not being an attorney when he is not, either. He told me I am a " very rude XXXX '' and that I had better hire a lawyer and hung up on me.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX reporting inaccurate information 15 USC 16815-2 ( A ) ( 1 ) ( E ) ( il ) : Rehabilitation of private education loans, this loan has completed the rehabilitation process, DELETE NOW
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a checking account with Bank of America, my card and was used and I did n't realize that my account had closed, I did call to report what had happened with the card and nothing was done and I had got hung up on and transferred to different departments with in Bank of America, I had try to explain that I did n't use my card that it was lost but did n't get the help I thought I would, I got told nothing was going to be done and they were very unprofessional and rude, I did n't appreciate how I was treated, this was an issue to be reported but bad customer service with these different departments, I 'm mad and frustrated with this fact and something needs to be done this has been a while but i do know now I can file a complaint with the cfpd, even going into the branch nobody seem to help I like Bank of America but I do not owe them sense I called to try to report the situation and got stuck with a closed account because of their inability to listen or take my complaint serious please resolve this matter or I will file with other agencies on this situation
Consumer complaint received 2020-04-27
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: JPMORGAN CHASE & CO. (WI)

I lost my credit card ( a Chase Sapphire Reserve ) between the late night of XX/XX/2020 to the early morning of XX/XX/2020. I made one purchase during that time at XXXX XXXX XXXX with the amount of {$19.00}. I called Chase as soon as I found out my card was lost, which is on XX/XX/2020, and also realized that a fraud charge of {$43.00} at XXXX XXXX XXXX XXXX was posted to my account on XX/XX/2020. So, I informed Chase that it was unauthorized and they helped me to take that off my statement. 
However, I received a letter in early XXXX that I am responsible for the transaction. According to the single sheet letter that Chase sent me, " I received benefit from this transaction ''. There are no proofs that I was using the card for that transaction and they do not even bother to ask the store for a signed copy of the receipt or things like security surveillance that can prove who was using the card. I have disputed other transactions before, but other agents took it seriously and sent me stuffs like signed receipts to back up the claim. 
I called Chase again on XX/XX/2020, a nice lady picked up the phone and said will pass my concern to the fraud department and let them re-investigate. However, two weeks passed and no responses were heard. 
I am so disappointed how Chase is treating one of their loyal customers and taking money from the good guys instead of the frauds.
Consumer complaint received 2023-09-01
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. (CA)

Equifax and XXXX are reporting without my permission. These accounts are adverse items and reporting without my permission is against the law. 

Under the Fair Credit Reporting Act 15 USC 1681- Congressional Finding and statement of purpose a ) Accuracy and Fairness of credit reporting states There is a need to ensure the CONSUMER REPORTING AGENCIES which are XXXX and Equifax exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy, the consumer would be myself. 

According to the Privacy Act of 1974 ( 5 USC section 552a ) b ) Conditions of disclosure- No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Consumer reporting agencies Equifax and XXXX DO NOT have my consent to furnish this information and they DO NOT have my written consent. All consent to Equifax and XXXX ( Furnisher of information to credit agencies ) Whether its verbal, non-verbal, written, implied, or otherwise is revoked immediately. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Under 15 USC 1681c Information excluded from consumer reports- ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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.

Lastly, 12 CFR section 1016.7 states A consumer may exercise the right to opt out at any time. Please note that I am opting out of your reporting services. 

Thank you!