davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NV)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccessibility of Funds and Substantial Financial Loss Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint on behalf of XXXX XXXX regarding the issues faced with his XXXX  account at XXXX XXXX XXXXXXXX. The purpose of this complaint is to bring to your attention the significant financial loss XXXX XXXX has suffered due to the banks failure to allow him to make wire transfers, despite assurances to the contrary. 

The relevant details of the complaint are as follows : 1. Account Information : Account Holders Name : XXXX XXXX Bank Name : XXXX XXXX XXXXXXXX Account Type : Savings Account 2. Timeline of Events : Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX attempted to initiate wire transfers from his XXXX  account. 
Initially, the bank cited Know Your Customer ( KYC ) verification as the reason for the inability to process the wire transfers. 
On [ Date ], XXXX XXXX spoke with a supervisor who assured him that the necessary steps would be taken to enable the wire transfers for an investment. 
Despite the supervisors assurance, XXXX XXXX remained unable to access his funds for the intended investment even after multiple attempts, including at least six phone calls to the bank. 
3. Financial Loss : Due to the banks failure to provide access to the funds as promised, XXXX XXXX has suffered a significant financial loss. 
The projected net loss of income resulting from the missed investment opportunity is estimated at {$250000.00}. 

We believe that these actions by XXXX XXXX  XXXX violate consumer protection regulations and may warrant investigation. We kindly request your assistance in resolving this matter promptly and ensuring that XXXX XXXX is compensated for the financial loss he has incurred. 

Enclosed with this complaint, you will find supporting documentation, including account statements, records of communication with the bank, and any other relevant evidence that substantiates our claims. 

We trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. We appreciate your attention to this serious issue and look forward to a prompt resolution. 

Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Investigation Request to Delete wrongful collection account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT COLLECTIONS ACCOUNT The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX ( original alleged creditor : Synchrony Bank ) Account number : XXXX ( date alleged open : XX/XX/XXXX ) ( Alleged balance : XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 

Attached is identity theft report and credit report. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I attempted to use my Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The charges kept getting declined for fraud. I've spoken with the card issuer to remove the fraud alert, they said they have removed it and that charges are not being declined, yet the card continues to get declined through any method I've attempted to pay merchants in XXXX - XXXX, Western Union and XXXX XXXX. When I spoke with Western Union they said the card was being deiced by Capital One due to a potential fraud alert. Two months ago I had to call three times and spent an hour trying on the phone with Capital One trying to pay a hotel. Now I've have contact them six times over the past three days and have spent over two hours on the phone with them trying to pay XXXX XXXX XXXX XXXX XXXX XXXX This morning after waiting on hold over XXXXen minutes, then speaking with an initial customer service agent and then being put on hold an additional ten minutes, I was transferred to an account specialist who told me their system was going through an update ( at XXXX ET on a Saturday ) and they would not be able to assist me for three hours and to call back. I gave up.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

In XXXX of XXXX, I purchased a wig from XXXX XXXX ( a wig company based out of XXXX ). I used AfterPay to pay for the purchase of the wig which was {$150.00} in total. AfterPay paid XXXX XXXX and I was to pay AfterPay four payments of {$39.00} debited from my checking account. The first payment was debited on XX/XX/XXXX, the day I ordered the wig and the next payments were scheduled for the following days : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I received confirmation on XX/XX/XXXX, the wig was out for delivery. I then received another email on XX/XX/XXXX saying the wig was delivered at XXXX XXXX. I went to check for the delivery but there was no package. I immediately reached out to AfterPay and XXXX XXXX and AfterPay opened a dispute but closed it 24 hours later stating they are not responsible for loss or stolen merchandise. They suggested I work with the merchant, XXXX XXXX. XXXX XXXX responded and asked me to file a claim with XXXX and I did. XXXX provided me case number XXXX for the package that was delivered. Tracking # XXXX and stated someone would contact me. No one ever did. Due to the poor customer service provided by XXXX XXXX I cancelled the order and demanded a refund to which they refused. I then cancelled the card AfterPay had on file and disputed the initial charge with my bank. AfterPay has never completed a charge back to the merchant but they continue to seek payment from me for a wig I never received. They even referred it to a collection agency and the only reason they pulled the matter back is because an attorney from legal shield wrote them a letter. I have no problem of paying for merchandise when I receive it but XXXX   delivered the wig to the incorrect address. If you look at the tracking number they have a picture of the location where they dropped it at. The picture uploaded doesn't look like my property. Please note that my bank agreed with dispute and credited me the initial {$39.00} back to my account that was debited on XX/XX/XXXX.
Consumer complaint received 2023-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I am on Social Security and was paying my property taxes monthly. The total amt was approx {$630.00}. I was paying monthly and was down to approx {$490.00} when Chase decided they would pay the balance but instead paid the full amount. They then put the XXXX into escrow and was charging me monthly on that amount. Chase never bothered to verify the amount due with the XXXX XXXX XXXX before paying the full amount shown on my yearly taxes. Spoke to manager who agreed correct amt was {$490.00} and would send request to tax commission for repayment of overpayment. Never happened. Then Chase decided to charge me over $ XXXX in ANTICIPATION of my not paying by 2023 taxes which I haven't even received yet. Chase has no right to charge me for what they THINK I may not be able to pay in the future. I was willing to pay the approx {$41.00} in escrow on my tax balance of {$490.00} but they never corrected the amount. Chase then informed me they don't have to verify the tax balnce, just pay what they see. This is definitely unacceptable and so is the {$78.00} in anticipation of what may be due in the future. I want Chase to be fined for the backhandedness in charging me for an invalid amount and for charging me more than due on my balance of property taxes. Please Help resolve this matter ASAP. How many others are enduring this same issue? An investigation needs to be done.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I received two phone calls from XXXX. The first call left a message stating they were a debt collection agency and that a complaint had been filed against me for non-payment on a Mastercard account. They stated I should press # 1 to speak with one of their agents to try and avoid having papers served on me. I wasn't home at the time and they didn't leave a callback number. This call happened on XX/XX/XXXX. 

I received the second call today, XX/XX/XXXX. The caller named himself XXXX XXXX and said he was a private carrier and would be serving me sealed court documents either at my workplace or home address. He knew my full name and the last four digits of my social security number. He also said if I wanted to resolve this matter, I should call the above number and speak with one of their mediators which I did. 

I spoke with the original caller and learned this was an unpaid debt of {$3100.00} on a Mastercharge card issued in XXXX and was closed in XXXX. It was issued thru XXXX XXXX XXXX  which is now HSBC Bank. Right off I knew this wasn't my account because it wasn't the correct number on my card and I had only used my card once to make a small purchase. This person said they would be willing to settle the debt for XXXX the amount. I politely declined and hung up. 

I then called XXXX XXXX XXXX  and learned that they were now HSBC Bank. I explained what was going on, and gave them my name, social security number, and the last four digits of the Mastercharge card number I supposedly owed money to. They could not find anything that I owed on this card or even a record of this card. So, a scam?
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-26
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. (FL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: F.H. Cann & Associates, Inc. (AR)

Six months ago I got in contact with the collection agency that has my student loans that are currently in default because I wanted to improve my credit and start repaying my loans. The collection agency is called FHCann & Associates and this is the worst company I have EVER dealt with. The process to start paying my loans back took many, many, many phone calls while I was trying to work. They needed paperwork after paper work. I was having to fax them and that wasn't good enough so I had to email them and that still wasn't good enough. This went on and on to the point that it was absolutely ridiculous. We had settled for {$100.00} a month so I had direct deposit set up for them to take it out my account and they have every month without fail. They had tried to go up on my payments to {$150.00} and then they actually tried to go down on my payments to I think it was {$55.00}. I told them that we would keep it at {$100.00} and they agreed. I was also told that after I make 9 payments on time that my loan would come out of default status and I would be able to make my payments to the Department of Education instead of them. Finally I was told that the papers I had sent were good but they had already taken I think 2 payments and I thought we were all set. All of a sudden I get my statement in the mail and it looks different so I called them. They stated that even though I had been making payments every month on time through direct deposit that it was not qualifying payments and I would basically have to start all over again and they needed a new income statement and pay stubs. I am currently in the busiest time of the year so I have been pulling 60 plus hours every  week since the beginning of the year so when I send them my financial statement my payments will be outrageous and because I won't be able to afford those payments so then any payments I make would be non-qualifying payments therefore my loan would never come out of default. I am trying to do what I can to make payments on time every month, they are the ones who set the amount to come out my account. I feel that I have done my part and this is harassment and unfair.
Consumer complaint received 2023-06-27
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. (TX)

Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX, as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

These accounts were recently or previously reported on my credit report and are not my accounts. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Discover Bank- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX
Consumer complaint received 2019-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX, XXXX XXXX, XXXX   XXXX ', XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (IL)

Hello and been trying to get a loan from my bank to get a new car but they told me that I have some inquiries on my credit that I have no clue about. it says I got hard inquiries I dont know how I owe I pay all my bills on time so I feel as though someone must of used my information to apply for something I supposedly owe {$1600.00} for something I dont even know about. I just want it off of my records please so i can get a new home for my daughter and myself a new truck but according to my bank records they told me thats why I didnt get approved.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

My federal student loans have been transferred several times amongst 3 creditors. AES XXXX, Dept of Edu, DEP ED XXXX. Each They currently reside with XXXX. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth third bank has a non profit account in which I was assured would not have service fees as it is a non-profit account for XXXX XXXX XXXX XXXX. This account was to never have service fees for any reason per the sales person at XXXX. Starting XXXX of XXXX  this account starting accruing a service fee of {$25.00} a month. This was not discovered until a non sufficient notice-because of service fees-was sent. Upon making the bank aware of this they reimbursed only 5 service fees of 20 that should have been returned. The response from the bank was that they could only go back 5 months. No reason only could go back 5 months. 2 branch managers and 2 customer service agents would not provide any more feedback or any other reasons for the service fees other than a code showing service fees dropped in error. This is an account for a non profit involving high school students and because of covid this account sat. There was no one checking the account-why would we there was no service fees, right? I have been working with XXXX XXXX XXXX and he has been " helped '' by his manager XXXX XXXX, XXXX. Phone XXXX. I have attached the statement showing the start of the fees and the statement showing only 5 returned.
Consumer complaint received 2023-08-10
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: JPMORGAN CHASE & CO. (IL)

I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.