davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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: Block, Inc. (CT)

I had filed a dispute with Cashapp about a purchase that was not fulfilled and explained to them that the wrong item was sent to me, including a series of emails between me and the seller to which a replacement of the correct item would be sent to which I had not heard from them since then and this was since XX/XX/2023 ( the same day I received the incorrect item ). I had sent a follow up email to him two weeks after our exchanged emails to confirm if the promised corrected item would still be sent and he had pretty much ghosted me. I then took to cashapp in hopes to get my {$33.00} back from this person as it was not fair that they had sent me the wrong item only, promised to send me the correct one and that I could keep the wrong one sent, only to ghost and take my money. XX/XX/2023 Cashapp had denied my dispute saying the details I had provided shown that the purchase was not done in error to which I was confused because I sent an email showing the difference between what I purchased/what was received, THE SELLER AGREEING to send me the correct item, and a follow-up email only to be ghosted as I made this dispute in XXXX giving the seller more than enough time to correct their wrong doing. I do not agree with cashapps decision and feel that no one really looked into the case I had opened which was very unfair as I had more than enough good evidence provided and this isnt the first time cashapp has done something shady like this to me, I had another dispute over $ XXXX dollars to which was denied AGAIN with the amount of evidence provided. I XXXX  why this was happening and it looks like Im not the only one that cashapp is doing this to and was suggested to bring up the issue to CFPB.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX, a thief got into my email and directed a client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX who owed my company {$25000.00} to wire the funds to : Truist Bank account name : XXXX XXXX XXXX XXXX, the correct name of my company Account Number : XXXX Wiring routing number:XXXX Bank Name : Truist Bank Beneficiary address : XXXXXXXX XXXX XXXX XXXX  XXXX NC XXXX Bank address : XXXX XXXX XXXX XXXX XXXX NC XXXX Truist Bank accepted the money sent to XXXX XXXX XXXX XXXX , I have no accounts with the bank, and when I discovered the fraud in XX/XX/XXXX I contacted the bank, its fraud division and was told : I do not have an account with them, the money came from XXXX XXXX  and they have to report the theft. 

XXXX XXXX did report the theft to Truist and also reported it to the XXXX Police Department. Truist would not return the money to XXXX XXXX who sent the {$25000.00} to XXXX XXXX XXXX XXXX. They would not provide either XXXX or XXXX XXXX, XXXX with any information. As a result it was turned over to the my local police department in XXXX who stated that it wasn't my money stolen and the sender XXXX needed to handle the issue, They did by reporting the theft to their local police department. 

XXXX XXXX XXXXXXXX # XXXX investigated the fraud beginning XX/XX/XXXX stating : Email account hacked and check for {$25000.00} was intercepted & cashed by an unknown party. The case is currently under investigation by XXXX XXXX XXXX, he can be reached at XXXX XXXX XXXX. 

The ower of XXXX XXXX was going to put in an insurance claim, then I was told that if XXXX received the money back, that I'd be subrogated. I just learned of this last month. 

The way they got around both XXXX XXXX and me is this : they got into my email account somehow, saw that a check was to be sent to XXXX XXXXXXXX XXXX XXXX and directed XXXX to send wire the money. They then would immediately delete the email. Note : My lap top was broken and needed to be replaced. XXXX XXXX in XXXX Florida handled the purchase of the new lap top and did the data transfer. 

XXXX XXXX email was recreated with XXXX, I did not recognize the diffrerence. I wrote XXXX several times asking for the check, the response came from XXXX, I didn't pick up the difference. 

No one is going after the theif who set up an account in my company 's name, I can not get the bank to provide any information, and XXXX has turned it over to the local police who said they will not go to NC to find the culprits. I was told this XX/XX/XXXX by XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Chase bank business account was opened for my dental office XXXX XXXXXXXX XXXX  in XX/XX/XXXX  and in XXXX XXXX XXXX ACH was activated on my account and was paying that service without using it. i thought it was a fee for having checking account. my accountant brouhgt it to my attention and i called the chase to cancel service and asked them to show me proof that i had given permission to activate that service. they will not give me any credit back other than last four months. the charge was for 8 yrs. that I have been paying for a service I have never used. the institution will not allow me to get any credit for all that time and will not give me proof that i approved that charge. I feel that Chase is targeting Hispanic people by adding charges that were never approved by consumer. like the ACH fee charge that was added to my account in hope I never found out ot the unauthorize charges. all i want is for Chase to refund me that monthly charge or to provide me with proof that i acknowledged or approved the ACH service charge back in XX/XX/XXXX of XXXX. This is a business account with Chase Bank. my branch manager and chase bank cant help me resolve that issue, other than it was done by me using my log in credentials. yet they have provided me no proof. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX cell XXXX
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

I have sent in the attached request to XXXX to get a copy of my CLUE and CLEAR report and they responded back saying I did not submit enough information and their reply they ask for exactly what I already sent to them. I want the semantics to stop and to get a copy of my Lexis CLUE and CLEAR report as mandated by the FCRA as I am entitled to 1 free copy per year by law.
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CO)

I submitted extra funds to pay down my principal. In their wisdom/stupidity, Planet Home Lending applied the extra funds as an extra payment THEN to principal. It took 19 days, numerous phone calls, being disconnected and finally talking to a supervisor to get this resolved. 

I will now write a check each month and give them specific directions as to how to handle the overage. 

In the 35 years I have paid on mortgages, NEVER has a mortgage company handled extra funds this way, they have ALWAYS gone to principal. 

My time is worth something. I will never see remuneration from them for their error and my time wasted. I pray they sell my loan to a company that has processors with a XXXX.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX XXXX. XXXX MN have been calling and harassing me about a collection in the amount of {$590.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-10-23
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. (CA)

I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, XXXX, and experian refuse to send my free credit report.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

This all started back in XXXX. I have sent them over XXXX documents in the past months and have sent they XXXX more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken XXXX  months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX
Consumer complaint received 2023-05-25
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. (MA)

I received an email on XX/XX/2023 stating " Great news, your Shop with Points purchase has been processed and your point balance has been updated. '' indicating that Citi had redeemed XXXX ThankYou points ( {$12.00} value ) from my account towards a {$10.00} purchase at XXXX. I was confused by this as I did not ask for any point redemption and I certainly wouldn't lose 25 % of the value of my rewards, nor would I use them to make a purchase instead of earning new rewards on that purchase. 

I called Citi ThankYou customer service at XXXX today, XX/XX/2023, at about XXXX XXXX  XXXX to find out what was going on and to make sure it wasn't fraud. The representative informed me someone must have chosen the option to " shop with points '' at the point of sale terminal, and it turns out that my husband was tricked into using it when he made a purchase with his card. It was not clear that this purchase took more points than the actual value we can otherwise redeem them for, and also did not alert him that the amount " redeemed '' wouldn't count towards earning new points on the purchase. This is basically stealing rewards from the account in two ways and I never opted into it. I was told by the Citi representative that there was no way to remove this option from an account. 

What Citi is doing is tricking people into using their rewards for less than the promised value. I know that {$2.00} is an incredibly small amount, but this is just one example of probably thousands of transactions every day. Citi is using this new " feature '' to steal value from rewards they promised to their customers, giving us less value and not even giving us a way to opt out and avoid being confused by prompts when checking out at a store.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (TX)

Due to the incompetence and shady business practices of Goldman Sachs/Apple Card , I am having to file a second complaint. 

My original complaint ( XXXX ) was filed because there was an " inadvertent processing error '' by Goldman Sachs and my Apple Card was overpaid by {$480.00}. Goldman Sachs/Apple Card initially refused to refund my overpayment. When they did finally refund my overpayment, they charged me {$11.00} in interest that should have never been charged because, as is the case every month, my balance was paid in full. Additionally, I was informed that there would be a trailing interest charge because of their mismanagement of my account. 

Goldman Sachs refunded the {$11.00} interest that should have never been charged and informed me they would also automatically refund the trailing interest charge ( I specifically asked if I needed to initiate the refund and was told that I did not ). At the close of my last billing period, I was charged {$4.00}. The trailing interest was not automatically refunded, so I contacted Goldman Sachs/Apple Card on or about XXXX XXXX. It is now XXXX XXXX and the erroneously charged trailing interest has still not been refunded. 

There seems to be a pattern of shady business practices, that border on fraud, by Goldman Sachs/Apple Card . This is likely what doomed their push into consumer banking.
Consumer complaint received 2022-09-26
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: LEXISNEXIS (PA)

I have previous submitted a dispute to these companies in effort to resolve this matter. I have previous submitted a dispute asking this company for a investigation. I filed a police report, FTC REPORT and identity theft affidavit a obtain a lawyer and this matter is in litigation which this company is violating my rights by attaching this account to my file into the matter is resolved in court. This company said this account is not on my credit file I have proof from this company that I have attached the credit report directly from XXXX XXXX  and LexisNexis. Please hold this company accountable for inserting a account on my credit file without accurate information and not following fair credit reporting act 605 when a investigation is in litigations. Thanks
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect on 5 alleged debts that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc. (NY)

It does not appear that my account was debited or credited correctly, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I XXXX attempt to resolve the issues.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On XX/XX/XXXX someone created a Chime Account in my name as I received a " welcome to Chime '' email and per the email : " In the meantime, were personalizing your Chime XXXX XXXX XXXX and will mail it out in the next few days. Need to make a purchase? You can use your digital cardits in the app under Settings ''. 

On Mon XX/XX/XXXX a deposit was made to this account for {$1000.00} ; the following day 2 withdrawals were made for {$400.00} and {$100.00} to individuals thru the Chime phone app similar to XXXX. 

On Tuesday XX/XX/XXXX I received an email from Chime that my phone # regarding this account had been changed to an unfamiliar # at which time I called Chime Support and began working to stop this fraud activity. After proving my identity to Chime I was able to access this account & app ; This account had an old address that I had moved from nearly 2 years ago. 

The person ( s ) had tried to purchase merchandise during this time but I was able to turn off the " allow transactions '' in the app. 

This situation is still ongoing as-of today XX/XX/XXXX.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2022, I discovered that bank account had unauthorized transfers to some person name XXXX XXXX via XXXX from my Wells Fargo bank account. There were 4 different transfer amounts : {$12.00}, {$290.00}, {$250.00}, and {$190.00}. I contacted my bank the next day I believe and processed a claim. They gave me the claim number # XXXX and also closed my online account information and closed my bank account and gave me a different bank account number. On XX/XX/XXXX, I checked on my account and there were more transferred scheduled for XX/XX/2022. And even though I called Wells Fargo on XXXX XXXX about the situation, they gave me a new case number, Claim # XXXX, and disconnected XXXX from my Wells Fargo account, but they could not stop the scheduled transfers and on the XXXX, more transfers took place, this time out of my new bank account number. This time, in amounts of {$1.00}, {$190.00}, {$250.00}, {$290.00}, {$190.00}, {$60.00}, and {$9.00}. I called back on XX/XX/XXXX and they said I had to go into a bank branch to verify my identity. I did that and they said they would send me a letter about the case in 10 business days. Around XX/XX/XXXX or so ( I don't know when because I had left the country by then ), a letter arrived to my father 's house, which is my address on file with the bank, stating that they had closed the case and would not be refunding the money because I had authorized the transactions. I called back to ask about how to appeal and they shut down access to my online account and I can only do reactivate it by going into the nearest branch. I live and work in XXXX so was not able to do that. They sent me to an international branch that was 2 hours from my home, but that branch no longer existed when I made the trip to that branch. I called back and again said I had to go to a local branch. When I explained I couldn't, they told me I can have my dad who is a co-owner of my account go into a local branch to do that. I asked my dad to do that for me, and when he went to the branch, he was told they couldn't help him. I called the fraud department back and after much " communication '', they finally allowed me to verify my identity through the phone through a series of questions that only I could know. I was finally able to get back into my online banking information. But when I asked about the fraud case, they said I can appeal by proving that I was hacked. I am an ordinary citizen, I don't know how to prove that I was hacked.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

I owed XXXX XXXX XXXX $ but I paid this debt directly to XXXX XXXX at their store but the collection company is still trying to collect this debt. Its hurting my XXXX XXXX and i need to take it off immediately.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX 2020, I purchased a product from XXXX for {$110.00} using my Bank of America Mastercard. 

I tried the product but was unsatisfied and had it returned via XXXX  on XXXX 2020. However, XXXX had marked the product LOST. 

I filed a claim for purchase protection. But I just got word today XXXX that they rejected my claim.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (NH)

XXXX report XXXX XXXX : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan EQUIFAX Report XXXX XXXX XXXX  XX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I missed a payment of my credit card statement of {$12.00} by 7 days. they charged {$17.00} late fee, plus interest. the fee posted the day after due date I thought the fee is not allowed to be more than 100 % and even if yes, it's very greedy. 

I usually contact the company before filing a complaint, but their getting worse by the day, I felt I need to call them out. I don't want to need to call every 2 months and threaten a complaint
Consumer complaint received 2021-02-02
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. I am a XXXX XXXX recently engaged and trying to purchase my first home with my soon to be wife.