davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CT)

I disputed these accounts numerous times to The creditors and the credit bureaus and they still refused to remove it of my transunion report. Im attaching my police report and Irs letter for proof of identity theft Also I need all of these fraudulent accounts to be removed immediately and the inquiries listed below Comenity Capital Bank/Forever21XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ALL TO BE REMOVED OF MY XXXX AND XXXX CREDIT BUREAUS!!
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (GA)

CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX This collection Agency has violated the fair debt collection practices act by attempting to collect on a debt that has been charged off by the original creditor. They are also changing the open date from the time they have bought this bad debt. This is an illegal practice to change the open date. The balance they claim I owe is {$1400.00}.
Consumer complaint received 2024-03-03
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)

I am writing to file a formal complaint against Capital One Auto Finance regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Capital One Auto Finance that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Capital One Auto Finance has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Capital One Auto Finance complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Capital One Auto Finance. 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

Today XX/XX/2024 I received 2 emails about a Chase Bank credit card. My name was attached to it but the phone number wasnt close. I didnt apply for another card. I then received an email about a hard inquiry. Ive worked hard to get my credit score. Now some XXXX is trying to XXXX it all up.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (MS)

ASSETCARE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

For 3 Years I have been a victim of a romance scam, CyberStalked, and potentially used as a virtual cash mule by the scammer. All of whom are the same entity. 
A letter of resolution was sent to all companies involved, XX/XX/XXXX. Wells Fargo refused to reimburse me for the money lost, stating that they didn't have enough information, and they had proof of intent by me the customer. Another complaint was sent with more information about the situation from me explaing details, a rebuttal letter was sent the same day.XXXX  XXXX, XXXX, XX/XX/XXXX, response was sent by Wells Fargo validating that my accounts where compromised and closed 4 different times resulting in a business decision by them to terminate business. 
No explanation for why. 
I responded disclosing that I am XXXX and living with multiple disorders and struggle to work. 
This message went unanswered. 
The 3rd party service used was also contacted at the same time. Said that the money was unrecoverable and permanently lost. 
Early XXXX, I submitted a complaint to the CIA and FBI. 
( No response, but not expected )
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My problem is with Citibank. Late last year, Citibank blocked three accounts I share with my XXXX mom. I have power of attorney, and she is XXXX and has the beginning of XXXX. I was told that the accounts were blocked because there were discrepancies in her retirement dates, triggering a provision of the XXXX XXXX. The block was removed. However, the block has been put back into place three times within the last six weeks. Two of my mother 's checks to her assisted living facility have bounced, and they are losing patience with her inability to pay her bills. I need to pay her other bills. I can't access my savings to pay her bills because my savings account is blocked. I have spent hours on the phone with Citi and the manager of her local branch. I get explanations and apologies, but no action. Citibank 's inaction affects my mother 's ability to pay her bills and my ability do my job. I can't spend hours on the phone begging them to fix their mistakes. I'm at the end of my rope.
Consumer complaint received 2024-03-03
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: AMERICAN EXPRESS COMPANY (NY)

Amex is practicing corrupt treatment towards their cardholders. On XX/XX/2023, I purchased a pair of sunglasses from the merchant XXXX for {$460.00}. They sent me a damaged pair of sunglasses and I immediately reported it to them. They refused to send me a label for return. I complained to American Express and all Amex does is simply ignore me as a customer and bill me incorrectly. They refuse time after time to examine the documents I send them and just close out my dispute with the bill remaining on my account. The most frustrating aspect of Amex is their cruel behavior of responding robotically the same response to each of my claims. They simply say the merchant delivered the items and the bill shall remain of the account. Regardless of delivery, that isnt at all the case. The case is that they delivered damaged items against our terms of sale and they refuse to send me a label to return it. I even asked Amex to show me a label from the merchant but they refuse. All they do is say there was delivery and they bill me despite the delivery being out of terms by sending me a damaged item. 
Amex must be investigated. This is not the first time they ignore customer disputes and respond robotically clearly proving they do NOT ever actually examine any case but rather just bill consumers erroneously. I venture to say that they probably get the money back from the merchant and bill the customer as well because my case is so clear cut they should easily get the money back from the merchant. This should be investigated and they should probably be shut down for corrupt practices. 
I must reiterate that this case has been ongoing for over 6 months already and NEVER once did Amex properly examine my documents or any of the case details and the proof is their response is always the same generic response. Never did they even ask me about the damaged item. They simply just keep billing me despite a clear case of the merchants non compliance. 
The bottom line is, I am due a refund because I can not be held responsible to pay for damaged items that the merchant refuses to accept back for return. And I stress that the merchant never provided me an actual label to return the item back to them and surely I can not be held responsible to purchase a shipping label on my expense after their failure to accommodate our sale agreement.
Consumer complaint received 2021-11-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Today I spoke with the Experian resolution dispute center. They were rather unhelpful in that they denied that there were any issues with my payment history even though they stated on their website ( screen shot available ) that I should Pay On Time The FICO Score Simulator can help you see how your actions may impact your FICO Score 8. What could happen to your score if you paid all your bills on time? 
Your Current Score XXXX Very Good **Based on Experian data as of XX/XX/2021 I do pay my bills on time as indicated by the same web site : Your payment history is EXCEPTIONAL 0 Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator.
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

On XX/XX/XXXX, XXXX imposed an annual fees of {$170.00} included GST {$11.00}.
I called XXXX customer services on XXXX/XXXX/XXXX at XXXX and spoke to an officer named XXXX XXXX , however, she refused to waive the annual fees. I requested to speak to senior manager. However, I did not get a call back within 48 hours as promised by XXXX. I received call from a lady manager named as XXXX. She reluctant to waive the full annual fees and offered me to pay half of the cost although I have been frequently used their XX/XX/XXXXXX/XX/XXXXat XX/XX/XXXX.. I felt very disappointed.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IN)

I am writing to file a formal complaint against Coinbase, a cryptocurrency exchange platform, regarding severe difficulties accessing my account and the lack of responsiveness from their customer support team. 

For the past three days, I have been unable to log in to my Coinbase account despite numerous attempts. The situation was exacerbated by the fact that it took over 3.5 hours to connect with a customer support representative, only to be met with unhelpful and dismissive assistance. Despite providing proof of my identity on multiple occasions, including through their verification processes, the representative informed me that my issue was " under investigation '' without offering any concrete resolution or timeline for resolution. 

The lack of responsiveness and inadequate support from Coinbase 's customer service department has left me deeply frustrated and concerned about the security of my assets held within the platform. As a result, I am left with no choice but to request the immediate withdrawal of all my assets from Coinbase. 


Thank you for your attention to this matter.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

Wakefield and Associates are reporting 6 accounts on my credit. I called them on XX/XX/19 at XXXX to verify this debt because I have never heard of XXXX XXXX XXXX . I spoke wit XXXX XXXX Id number XXXX. Upon speaking to her I learned that the amounts being reported on my credit are incorrect. She was unable to verify 3 of the accounts with any information and all 6 have different information than what is being reported on my credit. I requested to speak with a supervisor and was denied. This negatively impacting my credit with inaccurate information.
Consumer complaint received 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

In mid XXXX XXXXXXXX XXXX was able to rectify this situation and delete this off my credit report and nullify all derogatory marks which brought my XXXX  back to its flawless luster. The debt collection agency says they say i owe is a amount of XXXX $ at which i get harassed day and night by collection agencies if this was the case XXXX XXXX would not able to assist me the first time unfortunately i assume the debt which is not mine in the first place was sold to another debt collection agency as of XX/XX/XXXX which i was able see negatively affecting my XXXX as of XX/XX/XXXX on XXXX XXXX. I called XXXXXXXX XXXX  yesterday ( XX/XX/XXXX ) once again but they are not able to assist because they can not see the collection on my credit report on there end or i would not be submitting this complaint currently! This is not the first time this has occurred from the suppose ive debt that was struck off as of pseudo back in early mid XXXX. I would like to submit this complaint against Waypoint Resource Group holding my consumer credit report XXXX and destroying my XXXX  over something so minute and on top of that debt that is not even mine. I also would like to submit a complaint against XXXX for taking this complaint back in XX/XX/XXXX and not assisting me at all but in my opinion they only assist the big creditors not the consumer. So if this could be deleted off my report once and for all intense purposes it would be greatly appreciated with any assistance moving ahead. Hopefully not like XXXX the last 60 days nothing to report of. If i get any recourse or assistance in the next 15 days that would be more than ideal.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (KY)

Around XXXX XXXX XXXX I opened a new US bank smartly checking account I then deposited XXXX of my paychecks into the account I may have deposited XXXX however my account balance was about {$1200.00} about XXXX  days later I went to the ATM to withdraw some of my money and my XXXX card was declined so I called the bank and they said they were closing my account due to a identity verification and that I would have to wait XXXX days to receive my money back out of the account so I waited almost XXXX months I called again and they told me to go into the physical bank location and I would be able to receive my money when I got there the lady told me that due to the fraud department for US bank doing an investigation I can't receive my money and told me that there was nothing I can do about it and that I just had to wait until the investigation was over and this type of thing can last 6 months so here I am a year later and I am still trying to get my money because I am not rich and I need it to get by day to day and the bank told me that the money was removed from the account and they have no more information on the money and I never got an explanation or anything please help me
Consumer complaint received 2021-11-01
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. (TN)

Experian has a bankruptcy on my credit report and has failed to remove it. I have sent over dispute letters along with the letter from the court house they claimed to have used to verify this inaccuracy proving that they did not receive this information from them because they do not report these kinds of things to credit bureaus. They have placed this information on my credit report and will not remove it as asked. They have violated my rights according to the FCRA because they did not have my permission to violate my privacy and place this upon my report. This being on credit report has caused me great trouble and harm with finding a place to live and so many other life traumatizing things.
Consumer complaint received 2017-10-12
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: EQUIFAX, INC. (FL)

I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, XXXX XXXX  XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

Convergent outsourcing reporting on my credit report that i owe them. First of all, i never had any contract with them i never signed anything sgreeing to pay them i never received any communication from them at all. You cant drop a name in the hat and just assume especially with a common name like mines. The debt is.not mines and they need to remove it immediately. I have no written signed contract with this collection agency.
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I received an AMEX gift card from my employer. I have successfully used the card to purchase an extended date on XXXX XXXX but that was the only time. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in XXXX XXXX XXXX XXXX, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. 

This system seems designed to skim a XXXX XXXX from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my cards in cash/check. 
This is the card detail : XXXX XXXX : XXXX XXXX : XXXX Expiration Date : XXXXXXXX
Consumer complaint received 2024-03-02
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: Lockhart, Morris & Montgomery Inc. (TN)

I received nonsense message from the credit bureau who said it was valid. I requested proof. I never received PROOF BECAUSE I NEVER ENROLLED EVER XXXX XXXX AT XXXX XXXX in TN I ENDURED UNFAIRNESS AND DISCRIMINATION. I REQUESTED TO SHOW ME PROOF THAT I WENT TO SCHOOL TO GET MY XXXX AT XXXX XXXX. I WAS TOLD IT WAS VALID I WAS TOLD I WENT TO THERE SCHOOL WHICH IS A LIE. I REQUESTED THAT THEY REMOVE THIS FROM AND OFF MY CREDIT. NO REPLY. I ONLY SEE MY SCORE HAS DROPPED XXXX Points and continue to drop. Perhaps I will need to have my Attorney file a lawsuit XXXX XXXX XXXX
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MS)

CB/XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion.