davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/XXXX my account overdrawn by {$10.00} due to a XXXX charge. I did not notice my account was low on funds. Through XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX there were additional purchases made on my behalf. XXXX door dash {$26.00} which I believe was double charged. XX/XX/XXXX {$100.00} from XXXX XXXX. XX/XX/XXXX {$28.00} from door dash. Then on XX/XX/XXXX and XX/XX/XXXX no purchases were made but, I was charged {$36.00} for both days. In total I have been charged {$36.00} in overdraft fees daily. Which has my account in negative - {$370.00} as of XX/XX/XXXX. I reached out to Regions bank today regarding these daily fees which has accumulated to {$180.00} total in just a matter of days. I was sent to a supervisor who was unable to help and stated I had to pay these fees. After searching online I noticed Regions Bank had previously had a class action lawsuit where theyd owed millions to members due to their overdraft policies which no other bank charges these outrageous fees. XXXX XXXX I spoke to him on XX/XX/XXXX he was extremely rude and wouldnt provide me with my account number or give me his badge/ID number so that I could submit this complaint properly.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

I was advised by XXXX that Cashapp had a glitch where they were charging the customers twice for XXXX and XXXX transactions. I was advised to call Cashapp support. When trying to dispute through Cashapp 's XXXX the second transaction does not show. I have text notifications that show the second transaction being deducted. In XXXX, I received a message from cashapp support stating they are aware duplicate charges and that they were being handled, XXXX days later they send an email saying that the issue was resolved. Consumers would see a refund in XXXX hours. This never happened for me. 
The first duplicate transaction occurred on XX/XX/2023 for XXXX the original transaction was on XX/XX/2023. The XXXX, XXXX, and XXXX transactions happened on XX/XX/XXXX for the amounts of XXXX ( original transaction on XX/XX/2023 ), XXXX ( original transaction on XX/XX/2023 ), XXXX ( original transaction XX/XX/2023 ). The XXXX and XXXX duplicate transactions occurred on XX/XX/2023 for the amounts of XXXX ( original transaction XX/XX/2023 ) and XXXX ( original transaction XX/XX/2023 ). On XX/XX/XXXX and XX/XX/XXXX of 2023 I filed Disputes twice by phone support and in both XXXX CashApp replied with incorrect information. I called cashapp and everytime I spoke to someone I received a different story. I received several automatic replies that stated my transactions were pending and too old to dispute. I called and was told I had transaction pending for almost 3 months and it could not be disputed until cleared by XXXX. By the way, there is a dispute already open for the same transaction of XXXX that she said was still pending. Cashapp practices are very misleading and difficult to discourage consumers from complaining. I was not informed of their glitch until 60 days after it happened by Cashapp. Instead of fixing their mistakes automatically they are making the consumers call in and give them the run around about getting their money credited back. I have several cases open where they replied with different information than what was given. Please have them pull my recorded calls and compare them with the email replies they sent to me.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On MULTIPLE occasions I disputed XXXXXXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for XXXX. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXXXXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( TransUnion, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debXXXX XXXX XXXX debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Consumer complaint received 2021-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I submitted validation letters to the credit bureaus for a XXXX XXXX account that was reporting on my credit report and does not belong to me. In XX/XX/XXXX, I received a letter from XXXX, TransUnion, or XXXX stating that the account was " verified '', but did not forward any documents proving the validity of the account belonging to me. I then forwarded a second notice validation dispute letter in XX/XX/XXXX, in which I did not receive a response back from either bureau. In XX/XX/XXXX, I submitted another validation dispute letter and received a message through the XXXX app, which I did not authorize for electronic results, stating that the XXXX account has been " updated ''. I have not received any validation of the account. This action performed by the credit bureaus has caused me great financial harm due to unverified and invalidated accounts.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I lived in XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. I moved out prior to my roommate. I was told by the property manager, XXXX, to leave the keys with XXXX since she was still living there. When I left the apartment, it was in perfect condition. A few months later, I receive an email from XXXX XXXX stating my roommate and I owe {$2.00}. XXXX for move out damages and signing a new lease. I never signed a new lease nor caused damages when I moved out. I called the company and the new property manager said there was proof attached to that email. All that was attached was the old lease which expired in XX/XX/XXXX so according to the leases terms I was on a month to month. There were NO MOVE OUT PICTURES or a lease attached. They sent my name to Columbia Debt Recovery who harassed me with phone calls and threatened to destroy my credit when I said there was no merit to this debt. He even asked where i can find my roommate. I filed a complaint with the BBB and nothing happened. The new property manager has not been helpful and I filled a dispute through XXXX. After I filed the complaint they changed the amount to XXXX. XXXX instead of XXXX. I would like my name removed from this debt and it taken off my credit.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX, I received a fraud alert message from TD bank attempting an unauthorised transaction for {$160.00}. Upon receiving that, I replied NO as a prompt and my card was immediately locked. I called them and since I needed a replacement card I ordered for a new card. On that day when trying to dispute the transactions they mentioned it was not posted in their accounts and that I have to wait until all unauthorised transactions was posted. Only on XXXX I could file the dispute for a total amount of $ XXXX I had informed the bank just few hours after the alert message not realising that my card was stolen. 
I requested documents pertaining to the exact time of the transactions, method of use of the card as in between those transaction there were my personal transaction by using the phone pay and whenever I use my card I always put a PIN no. in the stores. I didn't receive the details and my dispute was denied twice ( filed on XX/XX/XXXX and XX/XX/XXXX ) saying that there were " valid transactions conducted by me after the fraudulent transactions posted '' to which my question is I did use the new replacement card and my phone pay app all along for personal use and I don't understand their denial on that verdict. I also submitted a police report on the matter for reference of the bank. 
I also spoke to the technical team of the bank to get a clearer understanding and the unauthorised transactions are so apparent when I inquired the details of the transactions. 
They provided a provisional credit and I didn't use any of it as well.
Consumer complaint received 2024-12-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Pandemic hit and bank of America had the edd payments, my card had gotten compromised and I had XXXX XXXX of dollars of charges I had not made, I have called and called for well over the time the dispute process takes and as of today is a pending payment over 2 years old
Consumer complaint received 2021-06-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (NC)

Rent Recovery Solutions sent me a letter in XXXX of XXXX I sent a letter requesting the debt be verified the only thing I received was a summary of move out charges Which doesn't constitute verification under the FDCPA in XXXX of XXXX I sent another letter requesting the debt be verified at which time they sent the same move out summary again the doesn't verify that the debt belongs to me on XX/XX/XXXX I sent another letter requesting verification i again received the same move out summary then I filed a complaint with the CFPB on XX/XX/XXXX the company responded and said that it would no longer report said debt until I was furnished copies of the required documents Again I mailed them a letter requesting that they stop reporting said debt it was signed for by XXXX XXXX on XX/XX/XXXX I still haven't received anything that was requested under the FDCPA but there still reporting it which is a violation of FDCPA section 809 ( b )
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

Purchased airline tickets on XX/XX/XXXX using points and {$230.00} ( on Citi Thank You Rewards CC ). Had to cancel due to Covid and XXXX XXXX XXXX shut down. I submitted a cancellation request XX/XX/XXXX and received a confirmation of the request from Support Travel Rewards on same date which included to re-book by calling the XXXX XXXX. They mentioned that a credit was issued by the airline ( XXXX ) but no credit showed up on my rewards account. I called and spoke to a travel rewards person ( XXXX ) on XX/XX/XXXX and she indicated she " updated '' out airline tickets. I started calling multiple 800 numbers associated with Citi travel rewards cards on XX/XX/XXXX and ending on XX/XX/XXXX. Over that time period i was on hold for over five hours. On XX/XX/XXXX i did get a representative on the call and she said she would stay on the line until someone came on who could help, after waiting half hour they hung up on me. On XX/XX/XXXX i did get a real person who forwarded me a to an automated system ( without asking if this was ok ) and the system asked what my travel dates were and i told it XXXX XXXX- XXXX XXXX and the system said no travel exists for those dates and hung up. The Case Number given to me from Citi is XXXX. All i want is for Citi to post the credit on my account so i can re-book since they do not answer phone calls and if they do the person aswering can not help.
Consumer complaint received 2023-12-02
Product: Credit 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: DISCOVER BANK (CA)

On XX/XX/XXXX, I opened a credit card with Discover and immediately added the card to XXXX XXXX ( possible activate physical card as well ) After the physical card was send out. On XX/XX/XXXX, someone stole my card and used it at near by XXXX XXXX and shopped for {$860.00}. 

Immediately I realized the fraudulent activities and reached out to Discover to dispute the charges. They have provided credits right away, closed down the account and opened a new one for me. 

I was suggested to file a police report as I told them I am afraid that my identity information might be stolen because the card was easily being activated. I was also being suggested to file one because they believe it would be an easy case for local police to identify the theft since it happens in the same city. 

Which I file a police report on XX/XX/23 and provided the cases number to Discover for further investigation. 

On XX/XX/XXXX, I receive a copy of the receipt from XXXX XXXX of the fraudulent activities provided by Discover. On the receipt, it shows the thefts name and XXXX XXXX membership ID. And the amount matches my statements. And I also replied to their call for further information stating that I have receive a replacement card and it was extremely easy to activate the card. They never asked my birthday nor last four digits of XXXX. Just one call and provided last four number of Credit Card number the card is activated. I provide my frustration and believing that the case was closed. 

However, on the XXXX, I received another letter from Discover stating that they were not able to find any fraudulent activity on my account and I am responsible for the {$860.00} which does not make sense to me. 

I have called Discover once again on the XXXX, complain about the issue. But they said I will have to wait for 30 days for them to reinvestigate. In the meantime, I could reach out to police for more evidence and I will either have to pay that {$860.00} or it will sit in my open balance and getting rolled over with late payment fees and interest. 

I am extremely unhappy with how Discover resolve the issue. They already have the receipt that shows the thefts name and membership ID. I never had a XXXX XXXX membership. I provide every little detail I am acknowledged with and even listened to them and went for a police report. I do not understand what additional proof I need to provide. So I really would like to seek for additional help and suggestion. 

Thank you!
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX, Experian and XXXX in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my XXXXredit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.
Consumer complaint received 2021-06-25
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello My Name Is XXXX XXXX XXXX And I Have Big Problem Transunion Claims They Checked Everything On My Report In Everything Is Accurate Im Writing to Say Thats False They Are Reporting Bankruptcy That Do Not Belong To Me I Have Documents To Match That This Account is Not Mine They Wrote me back in told me bankruptcy court reported and account to them I wrote the courts in they sent me documents stating thats false information they do not report anything to transunion Ive sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my documents According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate They lied about who gave them my information all Im asking is they please remove or I have no other choice but to sue them
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXXXXXX XXXX details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Joint Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.