davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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 (NJ)

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 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

Without notice Citi blocked my account due to XXXX concern that my name on account is not the same as my government issued ID. 

Name on Account is FIRST NAME INITIAL ; MIDDLE NAME INITIAL ; FULL LAST NAME. My full name on documents is consistent with these initials. I have been a citi customer for XXXX years. 

Blocked account caused checks to bounce. I was hit with return check fees of {$40.00} XXXX for one check. I have over {$45000.00} in checking account and the bounced check was {$160.00} XXXX 

This appears to be a potential UDAAP violation ( section XXXX FTC - unfair deceptive abusive acts and practices ).
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one auto finace XX/XX/23 did not authorize XXXX XXXX XXXX XX/XX/23 did not authorize XXXX XXXX XXXX XXXX XXXX XX/XX/23 did not authorize XXXXXXXX XXXX XX/XX/23 did not authorize XXXX XXXX XX/XX/23 did not authorize Capital One auto finance XX/XX/23 did not authorize
Consumer complaint received 2024-03-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SoLo Funds Inc. (NY)

I have submitted documentation ( bankruptcy documents ) to Solo Funds and their website continues to state that I pay what I owe. They are also claiming that I am requesting loans which is false.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (FL)

Company : Crypto.com I requested why my XXXX deposit hasnt processed when their website and app says it can take up to XXXX business days. At the time of this complaint its been 9 days. 

Submitted instant deposit for {$900.00} on XX/XX/XXXX. 

Also did another instant deposit for {$100.00} on XX/XX/XXXX. Purchased XXXX  with my {$1000.00} in XXXX deposits. 

Decided to sell my XXXX  for USD, now I cant withdrawal my USD because my initial instant deposits from XX/XX/XXXX are still pending. Their website and app says it will take no longer than XXXX business days. Its been longer than XXXX business days as I am writing this. This has caused me financial hardship as I am not able to invest that money in other ventures. Dont advertise deposit times if theyre incorrect.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

XXXX/XXXX XXXX, XXXX XXXX, COMENITY CAPITAL/XXXX, COMENITY/VICTORIA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MI)

WITHOUT MY WRITTEN CONSENT, XXXX and Early Warning Services has UNLAWFULLY shared personal information pertaining to my credit and have violated Federal Law as well as the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, 15 United States Code 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX XXXX Solutions have not abided by these reasonable procedures. I have repeatedly instructed them to discontinue violating my privacy and they have failed to abide by their lawful agreement and ensure the fairness of me as the consumer. IT IS MY RIGHT to OPT OUT of their reporting of my information and their LAWFUL DUTY to discontinue reporting it. 15 United States Code 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( 2 ) also states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' As it relates to XXXX XXXX XXXX  I NOW REVOKE ALL WRITTEN, VERBAL, NON-VERBAL, ASSUMED and UN-ASSUMED or IMPLIED consent to furnish my personal credit information. Any and all consent to any creditors whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Finally, 15 U.S. Code 1681 ( e ) states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Under that explanation, XXXX XXXX XXXX and Early Warning Services are not abiding by those very reasonable procedures. So, per FEDERAL LAW, specifically 12 CFR 1016.7 which states that " A consumer may exercise the right to opt out at any time '', I am opting out of your reporting services. Discontinue your unlawful practices and provide WRITTEN confirmation that the above instructions have been carried out.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (FL)

Today XX/XX/24 I received a call from a company called XXXX XXXX stating that my account with XXXX  is pending legal action if I did not pay them {$5000.00} today. The operators name was XXXX. He stated if I did not pay the company XXXX will sue me for the money. I am already in a debt consolidation program and when I tried to explain that. XXXX stated that my program hadnt reached out to them. That is not true because they just brought me an offer a month ago. XXXX XXXX tried to scam me.
Consumer complaint received 2024-02-26
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: GOLDMAN SACHS BANK USA (PA)

I placed an order with XXXX for {$210.00} i never received my order i called XXXX they said they wouldnt help so i filed a dispute with my Goldman Sachss Apple credit card and they denied my dispute Im really dishearten by this because Im losing twice i dont have my order and they want me to pay this really isnt right i pay all my bills on time and my credit card company is on the credit card side i filed a police report and everything like this is insane
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> someone hacked into my XXXX  account after I sold my phone they made multiple purchases consistently. I messaged XXXX to resolve the issue and refund they told me they will investigate, the hacker changed my email I was not able to get access to it while waiting for XXXX I assumed that they would lock the account from further purchases and they did not. I waited for the investigation to finish and the hacker was able to complete multiple purchases. XXXX then respond for me to contact my back to dispute the charges due to there system not allowing to reverse the transactions, Wells Fargo denied my refund with XXXX explanation. 

Claim Reference Number : XXXX
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mintex Inc. (IL)

This company has still refused to revert the tickets back to the city of XXXX. I have tried to resolve this on multiple occasions but they have been deceitful. Contacting the city of XXXX finance department I am told that Mintex has to revert the accounts back to the city of XXXX.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This is now the second time Ive had to reach out in a different way about Capital one closing my account. THIS TIME ITS BOTH OF MY ACCOUNTS. I submitted a payment to pay off my balance and they issued a credit which typically means the payment was successful. This was not the case and capital one closed my accounts. I reached out because I just got the account back opened after the first issue I had and they tried explaining that there were several payments made and returned which I believe is fraud. They told me there was nothing they could do and that my accounts are all permanently closed. I have reason to believe I am now being targeted by Capital one after making my first complaint and this is the reasoning behind my account closure. Im am trying to by a house and establish credit and this company and putting a great stress on my shoulders by constantly ruining everything Ive been building.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DE)

Bank froze both my bank accounts for XXXX week in early XX/XX/year> caused payment to my landlord to bound. Bank failed to notify me of the accounts being frozen and found out only after payment to landlord bounced this caused a huge headache for me for sure.
Consumer complaint received 2024-03-06
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: Resurgent Capital Services L.P. (NY)

This account was fraudulently opened without my knowledge and permission by an ex spouse of mine. XXXX XXXX. I have tried to dispute numerous times with no luck. Please this has hurt my score immensely.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

15 usc 1681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credit utilization is an experience that should not be reported to consumer reporting agencies
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I opened a line of credit in XX/XX/XXXX that was linked to my checking account ( had same account number for the LOC ). My husband filed bankruptcy XXXX, but I did not and I continued to make on time payments for 3 years..until XXXX and the online payment option was no longer available. I called Bank of America to find out why I could not make my XXXX payment on XXXX/XXXX/15 at XXXX and spoke to XXXX, who assigned me a case # XXXX and then spoke to XXXX in the escalation group. He informed me that they charged off the account on XXXX/XXXX/15. I told him that could n't be because I had not even had any late payments in over 3 years, but he said it was because my husband was joint owner of my checking account. I explained that I did not file Chap XXXX and I was primary on the account. I told him I HAD to make my payment and he said there was no way for me to pay it because it was charged off. I said there 's no way with my job that I could have something like that on my credit and he needed to find a way for me to pay them. He insisted that was not possible for me to pay the account and that he GUARANTEED it would not show up on my credit. I pulled a credit report on XXXX/XXXX/15 to find there was " no data '' for XXXX and the remaining months show charged off. I called Bank of America again on XXXX/XXXX/15 at XXXX and spoke to XXXX who said she would take the payment for the total amount and I said I needed to talk to a manager before I did that. She assigned me another case # XXXX and that someone would follow up with me about this. No one has called me or mailed any further information to date ( XXXX/XXXX/15 ). If they were going to charge it off due to my husband 's bankruptcy, I should have had some warning so I could have paid it in full to avoid having a charge off on my credit. If they did n't have to give me notice of this, why did they take nearly three more years of payments after the bankruptcy? If XXXX was willing to take the payment on XXXX, why would XXXX not accept the payment on XXXX? XXXX and this is critical to my job. The way they 've reported this is fraudulent because the loan was charged off before it was late and then I was blocked from paying it until they reported the negative information.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Subject : Complaint Regarding Inability to Complete Repayments and Lack of Resolution Dear Bank of America Customer Service, I am writing to express my extreme dissatisfaction with the services provided by Bank of America in relation to my recent attempts to make repayments on my account. Despite multiple attempts to address the issue, I have encountered significant obstacles that have impeded my ability to maintain timely repayments, resulting in late payments and a detrimental impact on my credit score. 

Despite my persistent efforts to rectify the situation through various channels of communication, including phone calls and online inquiries, I have been unable to find a satisfactory resolution. The inability to complete repayments and the subsequent late payments have not only caused financial distress but have also tarnished my credit history, which I have diligently maintained over the years. 

Furthermore, I have encountered difficulties in setting up a new repayment card, exacerbating the already frustrating situation. The lack of functionality in this regard has added to the inconvenience and has left me feeling disillusioned with the level of service provided by Bank of America. 

As a valued customer, I expect better from Bank of America and urge you to take immediate action to address these issues and provide a satisfactory resolution. I trust that you will thoroughly investigate this matter and implement measures to prevent similar occurrences in the future. 

I appreciate your prompt attention to this matter and expect a swift and effective resolution. 

Sincerely, XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX