davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

I rented a car through enterprise. They told me they would add a 300 dollar charge for security deposit and that when my reservation was over I would get it back to my us bank debit card.

A few mornings after I rented and now have the car, I woke up to my account saying 0. I called 24hr customer service and they informed me my account had been closed and the balance would be mailed in a check. I asked him about the security deposit and he told me to contact the branch manager that ordered the account closure. I called the branch manager the next morning and tried to figure out what was going on. She was so rude and nasty I was stunned. 
I couldnt believe she got the job because she was so ignorant and ghetto and Im XXXX so Im of the same ethnicity. I was being really patient and nice and she was just being rude and acted as if I was nothing. She had a full meltdown and tried to speak condescending and using baby talk ironically. It was really disturbing from a bank in the XXXX area. I told her I had kids and that I didnt know how they were going to eat while I wait the week for the check and she would just talk over me like YOOOOOUUUUURRRRR ACCCOOOOOOOUUUUNT IS CLOOOOOOOOOSED just really odd and unprofessional. I wasnt protesting the closure. I was trying to find out what will happen to my XXXX security deposit. The rental company told me they will only credit the account that has been closed. No other form of credit will be issued for my security deposit. 
They are not flexible to my situation either in terms of trying to change the card they will credit the {$300.00} but at least the people at the rental company were nice about it. Is there any hope for me? The rude manager was named XXXX. XXXX XXXX, IL branch ) I notified them that I would be filing with the cfpb as well as the ftc. I dont understand if they woke up on the side of the bed or what.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (GA)

I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have NEW information in regards to a previous complaint. TRANSUNION continues to break the law and violate my rights as a federally protected consumer under 15 USC Chapter 41. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. I have called many many times and all I am being told is that they can file a another dispute. My Affidavit of Truth I sent continues to be ignored. Under the laws of Commerce, an un-rebutted Affidavit of Truth stands as truth and TRANSUNION is liable to compensate me. Moreover, every employee I talked with over the phone claimed they were educated in the FCRA, yet is not one is familiar with 15 USC 1681B ( a ) ( 2 ). They continued to deny that they have the ability to furnish anything on a report. It states explicitly in the law, " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I am not making this up. This comes straight from the law. TRANSUNION, violated my rights by furnishing this fraudulent account without my written consent. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to XXXX5 USC 1681c-2, they had 4 business days to take it off ... yet here we are about to be 30 days later. As I also stated in my previous complaint, the FCRA further states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). To further drag out this process and violate my rights, TRANSUNION reinserted deleted delinquencies that were showing for this account on XX/XX/2022. The delinquencies were deleted on XX/XX/2022 ( The account still remained ). On XX/XX/2022 those delinquencies were reinserted. This is completely unlawful and in violation of 15 USC 1681i ( 5 ) ( B ) ( i ). I have done everything I needed to do and I hope by sending in this second complaint with more evidence, the CFPB will hold TRANSUNION accountable for violating my rights that have caused me much emotional, mental, financial and physical distress.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Monday, XX/XX/2021 Someone posing as Chase bank texted me and said someone had tried to wire {$2000.00}. from my account and they asked if this was me. I said NO and they said to stand by and they would be calling me. They called from the same number as is on my Chase debit card which isXXXX. They said they were going to help me protect my account. They asked if I knew someone named XXXX XXXX and I said no. They asked if I had been on an unprotected internet like at a restaurant and I said not to my knowledge .They sent me an email from chase.com to confirm their identity. I have to admit I was suspicious by I went ahead with the call. They asked for my email and I asked them to tell me my email and they just said gmail. I went ahead and gave them my email address. Then, they said they needed me to go to XXXX and send myself all of my money to protect myself until they could clear up this person trying to wire my money. I feel XXXX but I did it and of course I lost my money. Immediately after this they charged a XXXX bill of {$190.00} directly to my bank account. I did freeze my account and canceled my debit card. When I tried to call CHASE their number showed with a scam flag for about 15 minutes. When I finally got through to CHASE they put me on hold for 30 minutes and then I spoke to their fraud department. They acted like they had never heard of this scam. I have since found out several people in my community have experienced this same thing. The representative acted like it was my fault but went ahead and filed the claim. The XXXX bill has been temporarily reversed. The XXXX  transfer was not reversed. They sent me a letter saying it was authorized and so they will not return the money. I don't feel like they really tried to get to the bottom of this and I know a big bank like this has insurance so I think it is downright cruel for them to dismiss me.I also am disappointed that they have not issued a warning or public service announcement and they continue to play their commercials about how great XXXX quick pay is and how safe it is. I know also that the other people this happened to go their money back so how do they decide who gets the money back and who doesn't?? I have had a CHASE checking account for 10 years and never had over draughts until this scammer got into my account. 
Also, I will not be using XXXX in the future. XXXX doe not take responsibility for these things either. Thankfully I have an identity theft company and they are helping me. I feel like I was totally dismissed by CHASE. They didn't even say they were sorry that this had happened.
Consumer complaint received 2021-07-16
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. (NC)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to be remove. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate.As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on these accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Consumer complaint received 2021-07-16
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: JPMORGAN CHASE & CO. (TX)

From XXXX, XXXX through XXXX, XXXX ( 18 months ) XXXX XXXX XXXX ( XXXX ) has made an unauthorized charge to my Chase Debit card of {$10.00} per month, totaling {$190.00}. Chase has agreed that the charges were unauthorized but have refused to refund the amount back to me.

Their reason is that I did not dispute these charges within 60 days. I filed a complaint with their Escalation Department stating the reason for not reporting this claim sooner was that the card was NEVER used. This was actually a second card on my account issued to my executor for EMERGENCY USE ONLY. There was no reason to check the transactions since the card was not being used. Chase verified that the card was never used.

My primary card hadn't been used in over a year as well. When I used my card for several transactions in XXXX of this year, I noticed the fraudulent recurring charge from XXXX and IMMEDITELY reported it to Chase. 
I have also made numerous attempts to contact XXXX which have been unsuccessful.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I run a real estate business and decided to use Square ( of Block, Inc. ) to send an invoice to a business partner so that I can receive my split of the profits of exactly {$16000.00} for our work. I made the invoice on XX/XX/XXXX, days before our closing date of XX/XX/XXXX, and my partner paid on XX/XX/XXXX. Square notifies me that the funds would not be available until XX/XX/XXXX. Although this was frustrating, I allowed it thinking it was simply due to their slow processing. On XX/XX/2023, at XXXX, after trying to access the funds all morning that day, I received an email from Square stating that my account has been deactivated and my funds would be held for 90 days! This means that instead of having my money on XX/XX/XXXX, they push it out to XX/XX/XXXX. The email was not clear in giving a reason as to why my account was deactivated. I have made many efforts to contact their customer service department and even asked to speak with their legal team, but nothing was done to provide clarity nor have I been able to speak with their legal department.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-16
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: HUNTINGTON NATIONAL BANK, THE (TX)

This is a formal complaint against Huntington National Bank located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Huntington National Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-16
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. (CA)

I leased my XXXX XXXX XXXX, XXXX : XXXX through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. 
I have consistently made my payments each month since the lease began in XX/XX/XXXX. I received my end of lease instructions and made the decision to purchase my XXXX XXXX. I went in to the same XXXX dealership that I used to start the lease on XXXX XX/XX/XXXX. I logged into XXXX XXXX XXXX to get the payoff amount. I received loan approval through my bank, XXXX XXXX XXXX XXXX. The bank released the funds as I signed all documents at XXXX XXXX XXXX finance center and walked away owning the XXXX XXXX XXXX, XXXX : XXXX. 

On XXXX XX/XX/XXXX, I was notified via a credit report alert that I missed a payment over 30 days from XXXX XXXX XXXX XXXX Account Number : XXXX ). I called XXXX XXXX XXXX who said they had not received the payment. I called XXXX XXXX XXXX and they said the check they mailed off had been returned multiple times. I called XXXX XXXX XXXX multiple times to keep them updated of my conversations with XXXX XXXX XXXX. At the same time I already was making my payments on my auto load through XXXX. 

I completed my end of the transaction, making payment on XXXX XX/XX/XXXX for the payoff amount as instructed. I understand that XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX may have had some miscommunications but I asked that the missed payment be deleted from my credit report and that it reflect that I made my last payment on XXXX XX/XX/XXXX when my bank released the funds to XXXX. I further request that any late payment fees and penalties be removed from my account from after XXXX XX/XX/XXXX. 

I sent a letter to both Experian and XXXX XXXX XXXX. They both requested I get a letter from the dealership which I did. The Dealership letter and the sales contract both saying i met my financial liability should have been enough to correct my report but as of today my report is still not correct. It is reported that I didn't make a payment in XXXX, was 30 days late for XXXX and not closed until XXXX. I sent them both a letter again showing my regular payment of {$450.00} was made on XXXX XX/XX/XXXX and that I made my final payment of {$20000.00} on XXXX XX/XX/XXXX. I have sent letters and all the evidence to validate my case, provided everything they have asked for and my credit file is still not fixed. This is a gross violation of consumer rights for them to ignore all my requests when I paid everything as agreed and followed all of the protocols and instructions. I will attached everything I have submitted. 

Experian Credit Reporting Dispute XXXX. XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-16
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. (TN)

I have 2 inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file
Consumer complaint received 2021-07-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (CA)

In XX/XX/XXXX I received a 1099-C Cancellation of Debt from NOVAD MANAGEMENT CONSULTING LLC, in the amount of {$68000.00} in which I have had to file on my tax return as income for XXXX. NOVAD MANAGEMENT CONSULTING LLC is stating that my payoff amount is in the same amount that I received for the 1099C, {$68000.00}. In XXXX I decided to put my house on the market and closed escrow on XX/XX/XXXX. The escrow company is holding funds in the amount of {$75000.00} until this issued is resolved with NOVAD MANAGEMENT CONSULTING LLC. I have called NOVAD MANAGEMENT CONSULTING LLC serval times in attempt to resolve this situation. I need a XXXX  balance payment statement so that my funds are released. It has been almost two months and enough time to have straighten things out. I called on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, and XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX spoke to XXXX in which XXXX XXXX back from HUD and said that he would escalate to the supervisor, and XX/XX/XXXX and spoke to XXXX. Each time I called I waited for over an hour and told the same story six times. The only email I received was on XX/XX/XXXX with the wrong payoff amount for {$68000.00}. I have not heard NOVAD MANAGEMENT CONSULTING LLC even after calling them five more times. The Escrow company has also reached out to them. I am stressed and need I help, Please!!
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo Bank XXXX XXXX XXXX XXXX has allowed my solely owned checking account to be as my bank statement important disclosure from XX/XX/XXXX, sated " effective XXXX XXXX, the following information will be incorporated into the " Depositing Funds '' ( i.e. meaning my solely owned checking account which had debit card, online acess to be used on a joint checking account with my mother ). I do want to state for the record that my mother was appointed my XXXX XXXX XXXX XXXX on or about XXXX XXXX or XX/XX/XXXX. However, on XXXX XXXX, it was read into court records that dissolution and termination of full guardianship were granted and removal of XXXX. within this court signed order in petition that my lawyer filed incorporated into my motion for dissolution due to " wrongfullXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This making the past XXXX impossible for me to verify my identity which is still as of today, XXXX XXXX, is an ongoing problem with Wells Fargo XXXX and my former XXXX XXXX  I by all rights should be allowed to be present in and have access to any joint checking account which has my name and social security number and my birth date included in the account and even though XXXX officially reinstated my XXXX payments last week and I gave them the checking account number for deposit and payments to be issued directly into my account XXXX from XX/XX/XXXX, I have not received any bank notices for this nor any amount of money that's as per my email address account and per my mom 's XXXX XXXX " I verified your cash deposit for your cash account yesterday " and I can't find out what actually happened to {$18000.00}, but I have not been able to be granted access to that information yet. I last week had my debit card stopped and a new one was issued in which I was notified of my debit card being shipped out to me and I am not in possession of it but I have not had any success between Wells Fargo nor my mom regarding any issues of this situation except that within the past 5 days, I have had to get police report for bank ID theft and student loan fraud, which my dispersement was supposed to go to the checking account which is being sent to the " depositing funds account
Consumer complaint received 2021-07-16
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. (OH)

I disputed a bankruptcy with Equifax, and after their investigation they reported, as shown in the attached file, that the bankruptcy would be removed from my credit file. This is still showing on my report over a month later. When I called the company they stated I needed some kind of document from the court house to remove the bankruptcy AFTER already sending me verification that it was to be removed. They were not clear on what exactly I needed to get from the court house either.
Consumer complaint received 2021-07-16
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: CITIBANK, N.A. (NY)

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  Identity Theft BLOOM/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.