davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CO)

My account was unnecessarily locked on XX/XX/XXXX in my CashApp account ( appears to be a DBA of Squarem Inc. When you request it to be unlocked it states the turn around time is about 24 hours. It's been a week and still no unlocked or a response. I have sent DOZENS of email. Only one time did a get a response one that asked me to answer some questions, i did that, and still nothing back after that. I have also tried calling, emailing, messaging in XXXX & XXXX & XXXX all with no response. I spend HOURS last week trying to get this resolved. I have over {$700.00} in my Cashapp i need to pay bills with. I need my account unlocked
Consumer complaint received 2019-10-24
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/2019, I was out at dinner with my wife at XXXX XXXX and attempted to use my card to pay for the dinner. The card was declined although I had sufficient funds to cover the transaction. On XX/XX/2019, again I was out with my wife at XXXX restaurant and when I attempted to use the card to pay for the dinner the card was declined although I had sufficient funds in the account to cover the transaction. I was mortified and totally embarrassed as the waiter comes back to inform me that my card is not working. On each occasion I contacted Wells Fargo customer to explain that I am ok with account being under review for suspicious activity, however you did not give me the opportunity to resolve immediately. I informed their customer service on both occasions Wells Fargo failed to notify me via text alert, email or phone call that they have detected suspicious activity so that I could promptly respond and informed them the transaction is valid and to allow it to process. When I contacted them on XX/XX/2019, I informed them of the most recent embarrassment with my card being declined. I even informed them that their fraud detection worked perfectly earlier that morning when I returned back from a trip and had to pay {$36.00} for airport parking. Their system had detected assuming purchases were made while on my trip to XXXX the day before and wanted to ensure it was me. The cashier informed me my card was declined and I immediately received a fraud alert via text, which asked me to respond whether the transaction was valid and I responded yes immediately. I asked the cashier to run the card through again and it worked fine. However, I was not given this opportunity on neither occasion when I had take my wife out to dinner. You begin to think is the company being discriminatory. Who knows at this point because I have not received a valid explanation as to why my I was never contacted about the suspicious activity by their fraud  detection unit via text, email or phone when my card was declined at the restaurants.
Consumer complaint received 2020-06-22
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. (NJ)

XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

My daughter gets benefits under my XXXX she gets her money put on a direct express card we did not use the card for several months. Somebody charged about {$2700.00} worth of merchandise and online merchants. When I contacted direct express I was told that they would put the funds back on my card within 24 hours and in that time will do an investigation. The funds was never credited to my daughters account. Call charges that were used on the credit card were in Florida and New Jersey. I have never been there or never been out of the state of California. I was sent out some form of papers I filled them out sent them back and a month later received a letter saying that there was no fraud on my account. When I called the fraud department of direct express I was told that the case was closed and there was no fraudulent activity. I asked to reopen the case they said no they said they would send me some papers on how they determined it was fraud the only thing they sent me back was the papers I filled out that I sent to them to open the fraud case.Ive tried many different resources as such as contacting the merchants they said I need to contact direct express Ive had no luck and Im out of resources I have all my paperwork all my letters all the work Ive done.
Consumer complaint received 2020-06-22
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. (MS)

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? This effort from your agency seems biased and concerted since many in our credit group have used this avenue successfully and suddenly you claim an issue. Your agency has a well-known reputation so I sought professional advice in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received a late fee and interest charge payments from Capital One in XX/XX/2020 after submitting a payment two days after it was scheduled due to unforeseen circumstances related to the COVID-19 pandemic. I contacted them to explain my situation and they declined to waive the fees and instead directed me to a debt collector ( after I already made my payments ) when I asked for more information and to get reassurance that I would not be charged fees again. I closed my account based on their lack of transparency and poor customer service. I paid the fees, and my next statement in full before it was due. I received another interest charge this month in XXXX. When I contacted the customer service to send me the information in my statement to justify the fees - they said they could not - and when I asked to file a formal complaint - they said there was no way to do so.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OK)

XXXX  XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) turned over my account to Transworld Systems , Inc. ( TSI ) for collection in XX/XX/2019 for {$1000.00}. I have since made 6 payments for a total of {$300.00} that should bring my balance to {$690.00}. However, yesterday, XX/XX/2019, I discovered that TSI has my balance at {$770.00}. 
Please note that in the attached files you will see a balance {$1000.00} with TSI. Due  to overlapping communication from both parties, I believed I had miscalculated my debt and that the initial bill from TSI of {$1000.00} was my remaining balance from XXXX XXXX. I have since discovered the additional {$34.00} is " interest '' added by TSI. Nowhere in any communication from TSI is an interest rate outlined, an APR specified, or fees mentioned. Additionally, my online login with TSI makes no mention of interest or fees. There is simply a discrepancy between my payment history amount and the remaining balance shown by TSI.

When I called TSI yesterday, I was told they could, in fact, charge me interest with no further explanation. When I called XXXX  XXXX, they were unaware of any interest charges from either party. Additionally, the balance shown them by TSI matched my payment history/records to total {$690.00}. After someone from XXXX XXXXXXXX contacted TSI, they were informed that if I pay XXXX XXXX directly the account would be closed once I have paid {$1000.00} total. However, if I make payments to directly to TSI the account would remain open until the initial {$1000.00} balance plus interest, at an unspecified rate, is paid in full. 
After doing some review of the Fair Debt Collection Practices Act found at https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text Im concerned there are some violations. Specifically, the following : 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

Summary of my complaint : I believe my first time use of MoneyGram service was in mid XXXX and had no problems with their service.. I had established a relationship with a XXXX  lady in XX/XX/XXXX and I visited her in XX/XX/XXXX and she visited me in the US in XX/XX/XXXX We are both XXXX y.o. adults. As I planned another a second trip to XXXX in late XXXX, and was planning to stay 3 months, I knew I would need a larger sum of money to live on. I went to my local Walmart, as I did before, and asked to wire, I believe, about XXXX or XXXX XXXX dollars to my female friend so it would be there when I arrived. When she went to receive the money I had wired, they refused to release it. The MG office in XXXX told her I would have to contact their Minnesota office for an explanation. I contacted their office and was told they blocked the transaction because they didn't feel comfortable with an American man sending the money to a XXXX  lady. Needless to say, I was disgusted for them making an unwarranted decision, without any history of fraud on my part, or hers! I ended up having my brother wire the money to me when I arrived. I have attempted to wire money using MG 5 or 6 times since, and regardless of the amount, they have all been rejected. Why? I ask. In one call to their office in Minnesota, I was told it was a computer issue that he couldn't change, but it would probably go away if I didn't try wiring for a couple weeks. That didn't work either! Essentially, I have been " black balled '' from wiring money to this lady, for no legitimate reason! They have absolutely no evidence of fraudulent abuse from me, or her. Whenever their computer system identifies me sending money to her, the transaction gets blocked! I have every right to file this complaint
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (SC)

I have submitted several disputes to Equifax in reference to a paid Medical collections debt in the amount of {$340.00}, that continues to be listed as in collections and unpaid on my credit report. My last attempt was to resolve this matter was on XX/XX/XXXX. I received notice that the investigation was completed on XX/XX/XXXX. The account remains listed as unpaid. This debt was being paid through my state income tax garnishment. According to my record from the XXXX XXXX XXXX XXXX, an amount of {$370.00} was paid to XXXX XXXX XXXX HOSPITAL in XX/XX/XXXX. 
Please note that XXXX XXXX XXXX HOSPITAL was renamed to XXXX XXXX. 

I have attached supporting documents.
Consumer complaint received 2020-06-23
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. (FL)

To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX XXXX  per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX  since XXXX. I Moved to XXXX  in late XX/XX/XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX  XX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX  for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/2020 I received a letter from Shellpoint Mortgage informing me I could be eligible for up to {$10000.00} in HAMP incentives towards my principal balance. In the following paragraph it describes a opportunity to recast my mortgage. The amount with the recast was {$10000.00} higher ( total interest paid over remaining Life of Loan ) than without the recast. Everywhere I looked, it read this should not be the case. When I called Shellpoint they said it was part of the HAMP Program. I still thought it was odd that re-casting cost more in the long run. Then Covid hit and I thought that I had better opt for the recast and hope for the {$10000.00} incentive from HAMP. I still don't know if I am eligible for the other {$5000.00} at a later date. I still don't understand why my long term interest payment would be higher. And I got another letter saying that XXXX is due for XX/XX/XXXX and I have no idea what that is. I called early this morning and XXXX XXXX couldn't find out where that number was from. XXXX XXXX has limited info about HAMP loans and referred me to the Escalation dept and they send letters with information without explaining why. This is the way it has been. No one really seems to know what why the numbers are the way they are They are trying hard and seem to be guessing but that is not fair to us when we pay our mortgages. We need correct answers and help. I don't think it is fair for people to be told to call when they do that over and over and no one can help. It is a waste of time and not good business.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NV)

On XX/XX/XXXX the complaint with I can not spin regarding it a transaction on my account books I did not authorize. Inform that's been a the transaction and that it was not me and that I filed the police report. During The dispute process the representative informed me that they would be contacting vsa, and the ATM the company that owns the ATM. I then had to wait 20 days, 20 business days Before I was eligible for an update on the dispute. So tueni business days had passed and I called nets been, and they decided that the outcome should be that there was no air. I asked how they came up with that decision they said they would email me the documentation and that was it. So I've been trying since XXXX a face to rectify this with that thin I've been calling almost every day for 2 weeks trying to get this rectified. I have called numerous times for several days since XX/XX/XXXX until today which is XX/XX/XXXX they have been promising me that someone from the corporate office would contact me that has not happened since XXXX the says come out they have promised me that someone from the complaint department will contact me and it has not happened. So now I am done trying to rectify this would nets then so I'm going XXXX follow complaint with the consumer financial protection bureau hopefully I can get some assistance and resolving this issue.
Consumer complaint received 2019-10-24
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. (NY)

The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-06-23
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. (CA)

I have 3 unauthorized hard credit inquiries that were submitted through XXXX XXXX XXXX and appear on my Equifax Credit Report. The unauthorized inquiries are dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of these hard credit inquiries were initiated by me, nor were they authorized. I disputed the hard inquiries with Equifax, and they said denied the dispute stating that is was " a factual record of file access. '' In their response, they said to contact XXXX XXXX XXXX directly which I did. After jumping around to a bunch of different departments, I was directed to the ID Theft department, who then directed me to a website to submit my claim. None of the categories fit my problem ( unauthorized hard credit inquiry ) so I was unable to submit a claim. I am simply going around in circles. I want these inquiries removed from Equifax credit report because I never authorized those credit checks to begin with. Additionally, this has harmed my credit score, which could impact my mortgage approval since I plan on purchasing a new house in California within the next year. I have since placed fraud alerts on my Equifax and XXXX  accounts. I am following up with XXXX  tomorrow because their office closed before I could complete the fraud alert. Again, I would please like these 3 hard credit inquiries removed from my credit report as I didn't authorize them. 

Thank you for your time.
Consumer complaint received 2020-06-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX XXXX
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (NJ)

XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX XXXX IL {$100.00} I have been trying to work with Macys for months they took it off closed my card and gave me a new card. Can you please help me as they are charging me late charges and intrest and they are reporting me to the credit bureau