davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

The problem is I financed furniture a year ago. I had 1 year no interest. I paid off my furniture on XX/XX/2019 so why do I still have a balance on my account. Yesterday someone called offering me money I told them my account is closed they said no XXXX the manager need to close it out. Called back today spoke to receptionist she says XXXX says haven't closed out my account and don't know when it will be closed out. This is unacceptable. I will never deal with this company again. Don't want my credit ruined behind a open account that should be closed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2023-02-02
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

My Square account was deactivated 2022. The last transaction I made on the square account was on XX/XX/2022. 

I had disputes on the account that was later cleared on XX/XX/2022. 

I have funds on my square account over {$4000.00} in which square has not allowed me to withdraw. 

When I complained to Square, I was given the following response. 

" Hi XXXX '' After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final.

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details ''.

In the first paragraph of Square response, Square said they are not able to process payment to my business which I accept because they already deactivated my account and stopped processing payment since XX/XX/2022. I am not asking Square to process any payment for my business, I am only asking to get my funds leftover on the account. 

In the paragraph two of Square response, Square mentioned about the agreement of card networks. I understand I had a disputes with my customers but those disputes were closed since XX/XX/2022 on square and so I am entitled to my money leftover on square. 

The disputes I had on Square were all closed and whatever agreement Square has with credit card networks is not applicable here because I do not have any disputes on square. I am only looking to withdraw my balance of over {$4000.00} leftover on my Square account after deactivation.

Square has refused giving me access to my money, they only talked about section XXXX and XXXX of user agreement which talks about service termination. 

I know square can terminate account by deactivation, but the funds has to be given to the owner after 90 days. 

In my own case, the decision for square to hold my funds since XX/XX/2022 is u justifiable without any disputes. 

I have uploaded a screenshot where Square said they will not support processing payment for my account. I have made it clear to square that I have accepted the status of my account to remain deactivated, but that I need to get my money out which has been sitting there unjustifiable
Consumer complaint received 2020-12-29
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 had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL (IA)

PayPal Credit in coordination with Synchrony Bank recently submitted me to collections asserting that I never made payments on a purchase that I made on XX/XX/. Not only did I pay off this debt TWICE ( proof will be attached ), but both PayPal Credit and Synchrony Bank refused to allow me access to my online account to obtain the necessary information to prove that I did pay this debt, and now I've paid in twice to get it off my credit score. This has negatively affected me as I was attempting to obtain a loan, which I did not get, and I have spent HOURS ON THE PHONE ONLY TO BE RIDICULED BY THEIR EMPLOYEES AND GASLIGHTED. This caused me extremely emotional and financial distress. Not only do I want a refund of my money, but I also want my credit fixed. I am a single mother who works very hard and pays all of my bills on time. I do not get reported to credit agencies for delinquent payments as I generally set up autopay. Now my credit went down by XXXX points and I can not obtain a loan. This bank needs to be punished and they need to rectify my situation.
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc. (WI)

I had a company pretending to be lending tree scam me out of money. I have all corresponding emails fake loan agreement etc. The false number given is XXXX. They even sent me letters from the XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-08
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: BARCLAYS BANK DELAWARE (MN)

Hello, In XXXX, I opened a Barclayscard through the XXXX store to make payments on an XXXX. I paid off the XXXX, brought my balance to {$0.00} and put the card in storage to avoid a credit bump. 

In XXXX of XXXX, I received an email stating that I had an outstanding balance on my dormant card. I checked my account online and noticed two charges from XX/XX/XXXX totaling {$250.00} ( One charge for {$250.00}, one for {$6.00} ). I immediately went online to submit a claim and waited to hear back. I did some research, and the charges appear to have originated in Texas. I live in Minnesota and have never been to Texas. 

After two months of late fees and no response, I called to check on the status of the fraud. I was on hold for two hours before the call was dropped. I sat on hold for hours countless times over the course of two weeks until I finally got through. I was informed that my fraud claim had never been received. I submitted another claim over the phone. 

By mid XXXX, I still hadn't heard back. I waited on hold once again before being transferred to the " investigations '' department. I did not get through on that call. 

I called the investigations department directly the next day ( the original customer service representative had given me the number ) and got through after an hour on hold. The rep informed me that the fraud claim on the {$6.00} charge had been approved, but there was no open claim on the larger of the two charges. They opened a claim for me and let me know they would call me within two weeks. 

6 weeks later, I called again as I had not heard back & the charge was still posted on my account. An hour of holding later, I was informed that the claim had been denied. I was transferred to the " fraud '' department to get an explanation, where I waited on hold for two hours before the call was dropped. 

I called again today and waited on hold for 40 minutes. I was able to get through and the fraud claim was approved after I asked for an explanation. I was informed that the initial claim was listed as a " dispute '' rather than fraud, which is why the claim was denied. 

In total, I was on hold with Barclays for ~20 hours between XXXX and XXXX. Without persistence, I would have been on the hook for almost {$300.00} in fraudulent charges. I was never informed by phone, email, or on my account page of the updates in my case. The only method of communication was by mail, and I never received half of the letters they claimed to send. 

I am submitting this complaint in regards to the emotional turmoil caused by the months of poor communication and incompetence relating to my claims. I was under the impression that credit card companies flagged potentially fraudulent charges due to geographical inconsistencies, but I was wrong. Barclays lacks the ability to serve their customer base, and I never intend to do business with them again. 

Thank you, XXXX
Consumer complaint received 2020-12-29
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. (OH)

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX/XXXX XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX/XX/XX/XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo robbed me. On Thursday XX/XX/2021 I was not able to make a credit card payment from the drive-through so I went inside breathing during a pandemic and waited. I had tried to pay earlier on drive through and could not. So finally I was given my total of {$65.00} owed and paid my bill in full with cash. The Wells Fargo representative gave me a receipt immediately. There was nothing printed on the receipt about holding the cash payment. The Wells Fargo agent did not say anything about the automatic payment being charged. When I checked my account online later that day it said that I owed nothing and the {$65.00} was credit pending. 
When I called on XX/XX/XXXX, I talked with XXXX who transferred me to XXXX. I reported to her that I saw online that the credit was still pending and that WF had removed XXXX from bank account. XXXX said that I had autopay and I said that was to pay debts owed, not debts imagined. XXXX said that it could take up to 5 business day for a payment to post. I asked why WF presented a receipt for cash as received but held the payment in hidden accounts. I asked why WF was defrauding me by telling me how much the bill was, taking the payment, not posting it, then stealing money from my bank account. XXXX then said that I had mentioned fraud so she had to transfer me to someone else in fraud. 
XXXX took my fraud complaint, saying she was noting all the details. I said that I wanted the fraudulent transaction from my bank stopped or my stolen money refunded to my bank account. XXXX said she was noting it and someone would get back to me. 
Wells Fargo continues to hold my stolen money. Wells Fargo must return the stolen money and pay any bank fees associated with this fraudulent bank draw. 
I locked the card so it could not be used, resolving to end this abusive relationship with WF. Nevertheless WF allowed a recurring charge past the lock. I disputed that charge as WF is a criminal company using my name in their criminal conspiracy to juggle money in secret accounts. WF can not transact any business on my behalf because of its commitment to theft and fraud. I told XXXX that. WF misrepresented my balance to credit agencies in accepting the charge and in stealing the money. WF also violated FDCPA in robbing money from my bank account when I had no debt, violating any autopay agreement we may have had.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I sent a letter regarding collection sent to I.C. Systems, Inc. on XXXX XX/XX/XXXX. They posted a claim on my credit report sometime in XX/XX/XXXX. 
I do not owe for cable TV/Internet services from XXXX / XXXX XXXX billed for {$440.00} or {$280.00}. 
I was divorced in the early XXXX and moved from the address at that time. Under the XXXX XXXX, MI divorce decree, my former wife retained sole ownership of home. She sold the home and moved in XXXX. She passed away XXXX XX/XX/XXXX. I.C, Systems is trying to collect on a debt which supporting document claims was incurred from XX/XX/XXXX through XX/XX/XXXX and due XX/XX/XXXX. My ex wife was dead. Neither I nor her occupied the address during the period of the claimed debt.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IA)

Response to complaint id XXXX. 
My employer did not receive any funds back from Citibank after my account was closed. The missed funds are in the amount of {$5300.00}. 
if citi bank really reverted the money back to employer till now they should receive right. its been more than 5months. please give me proof or confirmation of date time and transaction number details to track. If citi bank didn't reverted money back to my employer, please do now without any more delay and provide transaction details. 
please find attachment the response i got from my employer regarding money. 

my employer Email : XXXX XXXX
Consumer complaint received 2023-05-23
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. (CO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX DOB XX/XX/86. I have been impacted with COVID SINCE XXXX! I HAVE BEEN IN CONTAXT WITH XXXX  WHEN NOT on XXXX  as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for COVID AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM COVID AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS 33 POINTS! WHY?! BECAUSE XXXX  REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX  XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING COVID IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR COVID ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM COVID BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!