davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX, TD Auto Finance, and XXXX XXXX fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. XXXX, TD Auto Finance, and XXXX XXXX XXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX TD Auto Finance, and XXXX XXXX, XXXX, XXXX and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX, TD Auto Finance, and XXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX, TD Auto Finance, and XXXX XXXX ' reporting services .
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

My coinbase account was locked on Monday XX/XX/XXXX because of a suspected hack. 

That night I spent an hour with customer support, got my account unlocked and all was fine. 

Coinbase then, suddenly, locked the account the next morning and is now not unlocking it. 

I have called several times a day now for 5 days. 

They refuse to give me any information on what is happening. 

I have over {$200000.00} in that account and I need access to it. The company has now just gone quiet and prevented me from getting my own funds. Their customer service REFUSES to provide any information. 

This has been a nightmare.
Consumer complaint received 2024-02-26
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 (NY)

My money was withheld on XX/XX/XXXX this year by the company " Venmo '' without any reason, simply because their " system detected some threat. '' They never gave me explanations about what threat that is. I contacted customer service, but they always give me the same solutions that don't work, and in the end, they end up saying they will contact me by email, and through that channel, they also don't give me any solution. The money appears in my account but I can't move it in any way, neither to my bank account, nor to another Venmo user, not even to my personal Venmo account ( because the money is currently in a " business account, '' both accounts under the same user ).
Consumer complaint received 2020-06-25
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}
Consumer complaint received 2024-02-26
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 (NJ)

I tried using my American Express Gift card at XXXX XXXX on this past Saturday. The card was declined. I checked the balance on line and all the funds seemed to be there. I tried the transaction again and it was declined one again. I called customer service and they said there has been a 24 hour hold on the card. I returned to XXXX XXXX the next day and the same thing happened on Saturday. I tried adding the card to my XXXX account and XXXX told me it was declined. I'm so frustrated as it has a {$3000.00} balance that I can't use anywhere.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) Misrepresented credit consequences of falling behind on a loan : Illegally froze members access to their accounts
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (MO)

They stopped sending us monthly statements several months ago. They have also refused to provide me with a statement of interest paid for 2023, so I haven't been able to do my taxes. I have contacted them several times by phone and I even sent them a letter. I never opted in to electronic communications with this company, I do not have and don't want an on-line account with them, and if for some reason they think we opted into them not sending us statements and tax summaries, I therefore revoke any such permissions- as I sent them in writing weeks ago.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

Good day to you! I'm a XXXX from XXXX XXXX province in XXXX. 
My friend, whose name is XXXX XXXX from XXXX XXXX, set up a foundation to donate clothes to poor people in XXXX last year. But he broke the bank code of conduct undeliberately, so his account was locked. 
And on XX/XX/2023, when XXXX was in XXXX XXXX, before he came to XXXX he also wired me XXXX through Wells Fargo Bank, but the bank staff put in my account number wrongly, so I didn't receive the money, which also partly caused our present problems. 
XXXX contacted the Wells Fargo Bank customers service, but we can only get the money after XXXX 's account is unfrozen. 
But now we have no money to unfreeze XXXX 's account. If I can't receive the money to pay all the clearance fees in XXXX customs, all the clothes, whose value is more than {$300000.00}, will be cosficated and cause a great loss. You know the clothes should be distributed to the poor people in winter, but we couldn't do it. 
I sincerely hope you could cope with the case properly for the sake of the poor people. 
If all the clothes were lost, maybe we'please charge the Bank. I hope this won't happen.
Consumer complaint received 2020-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Business Service, LLC (CA)

Letter of Complaint : Refuse to Validate Debt- Prime Business Service For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, XXXX XXXX, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and Prime Business Service. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX XXXX XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification. 


I want the account removed from my credit report immediately. Current Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

I want the account removed immediately, or I will be forced to seek legal remedies, under the Fair Credit Report Act.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (PR)

I have been trying to validate a debt for more than 2 months, on repeated occasions I have sent communication of all kinds. I have even made previous complaints to the CFPB. 

I have an alleged debt in collection, the alleged debt with the account number ending XXXX belongs to American Express. A letter arrived indicating the alleged debt and that it is owed to XXXX XXXX XXXX  The XXXX times I have requested to validate the debt, American Express responds by giving incomplete information or sending letters indicating that they do not have that information in their systems. If they can not validate the debt it should be eliminated, I have evidence of letters sent by Amex indicating that they do not have that information, which I attach. XXXX XXXX XXXX XXXX has not responded to my dispute letter and it must be deleted. The law indicates that they have a XX/XX/45 period to validate the debt and it has been more than XXXX months and they can not validate it. They are breaking the law and violating my rights as a consumer. I contacted XXXX and Amex responded indicating that it has no information that may be in the future. The reference number with XXXX XXXX is XXXX
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (NY)

You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO XXXX LEGAL DEPARTMENT XXXX ID FOR COMPLAINT SENT TO XXXX LEGAL DEPARTMENT XXXX I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged 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 2020-06-25
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)

Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, XXXX XXXX, Equifax, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, Equifax or XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MO)

I reached the agreement with CCS and asked for a letter from them to state that it would be removed from my credit report, was told to contact the company that put in the request and I did ( XXXX XXXX ) and they sent me back to CCS collections with no result, I'm a XXXX Veteran just trying to get a home and its taking my credit score down stopping me from getting the low interest loan that I need.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (GA)

An American Express card is currently opened in my name. 

Account #. XXXX Date Opened XX/XX/XXXX Status XXXX XXXX XXXX XXXXXX/XX/XXXX Balance - {$1900.00} I once did have an American Express card that opened XX/XX/XXXX that later Charge Off in the amount of {$1300.00}, according to all my credit files. This account number was XXXXIm aware of this account.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (FL)

XX/XX/XXXX sent Ford Motor Credit notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( USA dollar bills ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days. 
Ford Motor Credit per CFPB responded with a letter informing me that they will not stop receiving and selling my securities fraudulently. This fraudulent debt thats continuingly collecting interests and principal on behalf of my signiture.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (NJ)

National Enterprise Systems, a debt collector, through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. National Enterprise Systems through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying National Enterprise Systems can legally collect, and proof that National Enterprise Systems is the current holder of the instrument which created the debt with my original blue ink signature. National Enterprise Systems is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to National Enterprise Systems and I do not consent or authorize for National Enterprise Systems to have access to my nonpublic personal information as they are third parties and I never did business with them. I will report this to the Federal Trade Commission. This is grounds for a federal lawsuit.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

I am not sure about specifics but I'm absolutely positive that I've had money trouble possibly some my fault but not always I've been paying over draft every month since 2011 XXXX XXXX XXXX yrs LEGALLY OR NOTadds up to over XXXX $! I contacted XXXX XXXX and they dropped me for whatever reason but if their is a little part ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ABSOLUTELY POSITIVE THAT I AM QUALIFIED FOR WHATEVER THE AVERAGE PAYOUT WAS NOT BRUSHED OFF BECAUSE OF FANCY LEGALEZE INSIDER PRIVILAGE XXXX AND XXXX CONCOCTED With AAA The POINT IS I WANT MINE TOO
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NV)

XX/XX/XXXX Opened new checking account with promo code XXXX which advertised a {$400.00} bonus after qualifying activities. 

XX/XX/XXXX, Deposited {$1500.00} into account XX/XX/XXXX Phoned US BANK, talked with XXXX, who confirmed all qualifying activities had been completed, and bonus should be arriving. 

XX/XX/XXXX Phoned US BANK to follow up as no bonus yet, talked with XXXX who again confirmed all qualifying activities had been completed and that I would be contacted in one to two business days. 

XX/XX/XXXX No contact from US BANK, no choice except to formally file a complaint.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

We have XXXX business accounts with Wells Fargo. On each of the following dates we had {$25000.00} taken from the accounts. XX/XX/XXXX. ; XX/XX/XXXX. and XX/XX/2024. I noticed on the afternoon of the XXXX. at which time i wen to the bank the next morning ( Thursday the XXXX ). I sat down with one of the bankers and reported it. The banker tried to help me reset the password to the my Wells Fargo App. However, it seemed like someone had infiltrated and programmed and locked in another telephone number. We found ourselves having to close both bank accounts and deleted the Wells Fargo App. 
Thereafter, the bank representative connected me with the fraud department. At which time they asked me a series of questions ... ... ... .. Did i loose my phone? Did I replace my phone? Did I share my password with anyone? Did loose my debit card? All of which i replied NO. Thereafter, it was conveyed that an investigation would take 10 days. Upon the 10 days elapsing. I tried calling the fraud department numerous times. But was not able to reach them. I went to the bank this Friday again. I was put in touch with the fraud department. They conveyed they though I shared my password... I replied that was absurd! and was NOT SO! I have in touch my attorney since. And have escalated the claim ... May also state. That i have been banking with this bank for many years and have been in business for 25 years and while i have had only similar issues with the same bank ( not other banks ). Its extremely upsetting to know that the bank has such a lapse in security! There is certainly an issue with there online security that needs to be shared with other consumers! Wells Fargo reference case reference are as follows : # 's XXXX and XXXX
Consumer complaint received 2024-03-04
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 (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible