davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

Chase Freedom Visa Card Statement Due date XX/XX/XXXX. At account summary it shows a debit amount of {$190.00} instead of a credit amount of {$600.00}. I paid the {$190.00} on XX/XX/XXXX, Confermation number XXXX, unaware what was going on. I trusted Chase too much. On my payment due date of XX/XX/XXXX under account summery it shows a credit of {$230.00} however I only paid {$190.00} on XX/XX/XXXX. The same summary shows Purchases in the amount of {$790.00} but I had a redemption credit of {$43.00} and it should be {$750.00}. The new debit balance is shown as {$750.00}, however it should be {$550.00}. Stupid me I paid {$740.00} on XX/XX/XXXX Confermation Number XXXX on XX/XX/XXXX Credit card statement. 
There is also a debit of {$830.00} instead of {$840.00} on my XXXX XXXX XXXX XXXX XXXXXXXX Statement by Chase for XXXX XX/XX/XXXX due credit card statement. 
There are many other errors which I can supply additionally. Can one ask the bank for previous purchase details copies. I miss some. 
Also Chase pocketed the difference between what a grocery store charges to my credit card and the final smaller amount. I never got a credit on my account. This happened over the years. Others must have the same experience. 
Thank you for your help.
Consumer complaint received 2023-08-12
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. (SC)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} Inquiries Included in dispute : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am writing to you regarding the auto loan account that was charged off and subsequently paid off. As per the Fair Credit Reporting Act, violations of 15 USC 1681a, I request that you delete this account from my consumer file at all consumer reporting agencies.

Under 15 USC 1681 ( a ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is excluded from the definition of " consumer report. '' According to the Truth in Lending Act 15 USC 1602 ( g ), my social security card, drivers license/ID, and license plate are all credit devices that were used for the extension of credit. Therefore, the auto loan account should be excluded from my consumer report. 

Furthermore, the Gramm-Leach-Bliley Act 15 USC 6802 imposes obligations on financial institutions with respect to disclosures of personal information. According to section 6802 ( a ), a financial institution may not disclose any nonpublic personal information to a nonaffiliated third party unless it provides the consumer with a notice that complies with section 6803 of this title. Section 6802 ( b ) further requires the financial institution to give the consumer the opportunity to opt-out of such disclosure. 

I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CA)

My boyfriend and giving me the Check that was given to him by XXXX  XXXX XXXX after the account was closed. The check was written in his name I however had permission to deposit it into my account. I did so with Square Cash as he endorse the check however they took three days to deny the check and werent helpful and me understanding why. They denied it on a Friday and I snapshot of the picture again and I had reached out and after a difficult time contacting the company because they dont have a phone number released to the public. It was explained to me that the name is on the check did not match with the name of the account holder however in the terms and conditions it says nothing about Endorsing checks to third parties or anything like that I offered full cooperation and providing any document or whatever would be needed necessary to prove that this was indeed a valid check endorsement. I got nothing and its been an inconvenience and they have not been helpful whatsoever and to add insult to injury they require that I write for cash app deposit only now it is proving to be in a big inconvenience now that they Have denied the check and hi cant go anywhere else with it because it says for cash out deposit only now thats an inconvenience to me and its been a week and I have been unable to pay my bills and this isnt fair to me.
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

Hello, I have CashApp for rewards to two charity thrift stores. When I looked Under my account it stated your account is closed. There is no phone number the support number to send email messages. I sent a minimum of eight emails in In Wy my CashApp was closed. Im looking at I noticed distributed by XX/XX/XXXX.Information they would give me was that it was a service that was violated no further details provided. I explained to them that Ive been stolen and close. I contacted XXXX XXXX  and ask them if there had been any transaction that has been sent money and then reversed. They said they were sending me a copy of the transactions that occurred while my possession. I later got correspondence stating that they would not give me information that they will give it to my bank. I went to my local XXXX XXXX  and asked for these emails Regarding transactions to be emailed to me that is going to happen this week. However refuses to Provide any help with any information about anything that went on even though this is my account and none of my rewards which are not associated with XXXX college are posting. I had heardThat there is a tremendous amount of fraud That occurs with cash app with CashApp. This is owned by The company squared out of XXXX XXXX.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

I am trying to pay down my balance with more of the minimum payment. as soon as i started to pay more CITI bank started to increase the interest rate on the card ( just last month as i started to pay more )
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I had a car loan with XXXX XXXX XXXX XXXX and 2 large payments a few months apart XXXX to {$3000.00} and it showed it was delinquent and I didnt realize it would affect my monthly payment status so Im trying to have this removed from my credit port the loan was paid off early.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (GA)

I am a natural person. My name is XXXX XXXX XXXX. The credit bureau violated my rights and disrespected my rights to privacy. If you dont remove this account we will have some problems! 

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), 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 reseller.
Consumer complaint received 2023-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that.

Your help will be highly appreciated. 

XXXX XXXX
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (NJ)

I paid off my vehicle loan ( from Volkswagen credit ) in XXXX of XXXX. However, I still have not received the title for my vehicle. It is now nearly XX/XX/XXXX. 

I can not check any information about my loan in the Volkswagen Credit online portal because they deactivated my account once the loan was paid off ( without notifying me ). 

I have had other issues with this lender, including them not notifying me when the loan was paid off and continuing to accept auto payments after this point. I was ultimately reimbursed for these overpayments, but only after I reached out to the company.
Consumer complaint received 2023-04-30
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. (MD)

Inquiries 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  I noticed some unauthorized credit inquiries on my credit report and I'm concerned that my privacy rights have been violated. I did not authorize anyone at these companies to make an inquiry into my credit report and I would like you to investigate this and provide me with any documentation you have with my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from my credit file. 
This is not right! I received a credit report from you, and there are some companies on it that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

.I 'm not happy with this! I received my credit report from you, and there are some companies on here that I don't recognize. It looks like they put an inquiry on my file without me knowing- but I shouldn't have to deal with this unless it was something approved by me first. The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act in order to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

This is not right! I received a credit report from you and there are some companies on it that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S.

Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

I believe someone has requested my credit file without my knowledge and I would like this removed or proof provided that you have permission to pursue this course of action under the Fair Credit Reporting Act. Please send me documentation showing compliance with FCRA guidelines. Thank you.

I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details.
Consumer complaint received 2016-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ResidentCollect, Inc. (PA)

I am in the process of applying for a mortgage and i found a collection from Resident Collect on my credit.I am not sure what this debt is for. I disputed it with all XXXX credit bureaus for the past few months as well as sent letters via certified mail to the collection agency asking them for more information on the alleged debt they are reporting. I have sent XXXX letters certified mail to which they have not responded to either dispute at all. Since they have not provided any information about this debt and i have never received any dunning letters from this agency i have no idea what they are reporting on my credit and it has resulted in a denial of a mortgage.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (OK)

On Thursday, XX/XX/2021, I received a " CashApp '' credit card via USPS mail, which was issued by Square , Inc. I did not submit a credit application to Square Inc. or to Cash App for this line of credit, and this account was instead opened fraudulently by someone using my identity. 

Upon receiving the card, I immediately attempted to make contact with Square , Inc. using the Cash App 's support phone number, which would not connect me with any person who could close this fraudulent account. I additionally attempted to contact Square , Inc directly through its support phone number, which also refused to connect me with any representative who could provide assistance. 

I am therefore submitting this complaint to the Consumer Financial Protection Bureau, noting the following additional facts : - As I have a fraud alert currently active on all major consumer credit bureaus, opening a line of credit requires additional verification of identity. This verification was not performed by Square , Inc. 

- Failure to conduct identity verification for individuals with active fraud alerts puts Square , Inc., in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Willful noncompliance with the Act makes Square , Inc. liable for " any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, '' and additionally, " the costs of the action together with reasonable attorneys fees as determined by the court '' in the event of any successful action. 

- Failure to provide reasonable means for individuals to call over telephone to resolve FCRA noncompliance issues constitutes negligence on behalf of Square , Inc. 

- Numerous news reports ( https : XXXX, https : XXXX, https : XXXX ) indicates potentially thousands of individuals have received CashApp cards fraudulently, or have had their CashApp accounts illegally hacked, implicating that Square, Inc. is negligent in managing highly sensitive user data, unwilling to comply with FCRA, or otherwise is acting in bad faith as a creditor and as a business concern.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (MD)

Institution offfering banking services : SQUARE INC C/O SQUARE BANKING The problem is this company has offered me banking services, which include a checking and savings account. I make use of the checking account services offered by SQUARE. On XX/XX/ I requested standard monthly banking statement including the following first and last name, the account number associated with the checking account. 

It was explained to be by the SQUARE Representative that the company does not provide such documentation. Considering I pay a banking fees associated with the service, it is not clear to me why SQUARE INC. would not be able to provide consumers with documented proof of being a legitimate checking account holder. 

Not having a bank statement has put a halt on my ability to conduct other business in other areas. 

Please help.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

I believe Georgia law has not been followed concerning a Foreclosure. I believe I am going to be victim of a Wrongful Foreclose as of XXXX/XXXX/XXXX. I dispute the lender Calibur Homes sending a current notice that specify the default, action required to cure the default, 30 days notice to cure the default and that failure to cure may result in acceleration of the sums secured by the Security Deed. The notice shall further inform me of the right to reinstate after acceleration. Caliber Home Mortgage attorney provided me today XXXX/XXXX/XXXX with a letter from XXXX/XXXX/XXXX when the loan was with Vericrest stating an amount to be paid of {$3900.00} to be paid by $ XXXX/XXXX/XXXX to cure the default may result in acceleration. A chapter XXXX was filed as they had ignored the attempts at modification that had started with XXXX, then sold to Vericrest and I had to start the modification process over again and then sold to Caliber over a one year period. Caliber ignored my attempts and cont. to harass me by stating they did not have correct documentation, which was not true, and started the acceleration process, unless I could bring the loan current. I converted to a chapter XXXX and was discharged in the fall. Caliber Homes has accepted payments since the letter from Vericrest on XXXX/XXXX/XXXX and exceeded the amount of {$3900.00}. Caliber homes never notified correctly as I believe XXXX states. I do not feel I have appropriate time allocated to pursue a potential buyer whom has interest, or to have been given an specific dollar amount that needed to be paid to reinstate my loan. Thank you
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OR)

Square 's Cash App has an option to provide a XXXXebit Card. I had ordered one, but never really used it. Since ordering, I had moved. I got a notification that they were going to re-issue a new card, but did nothing to verify that the address was still the correct one that they would send the card - other Financial Institutions do this as a security measure to make sure that a payment card is delivered to the actual owner. 

Since I never used the card, I contacted customer service to address my worry of the card being delivered to a wrong address and asked that they simply close the card and they were unable to do so. Customer Service should be able to close a card on their end.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

Hi, I have XXXX XXXX XXXX XXXX XXXX. We use Square to process credit card sales. Square allowed my banking deposit information to be changed without my knowledge. Square transferred {$17000.00} of proceeds from my business credit card sales into 7 different bank. We have used Square for the past few years with the same bank account. Just the fact that the account was changed should have raised red flags, let alone that there were 7 different banking changes to the account. Square has not given any information on how this could have happened or who was involved. Square has covered {$8000.00} of the loss with no explanation. In my last call to Square I was told the case was closed and the conversation was no longer productive. The representative then hung up. Although Square supplied the names of the 7 banks where the money was transferred they will not tell us who or how this was possible.
Consumer complaint received 2015-12-31
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (LA)

I obtained a payday loan from Speedy Cash XX/XX/2015for XXXX {$230.00} and was laid off when the loan became due. I contacted Speedy Cash and advised them. I received a phone call from a representative from Speedy Cash asking if I could pay my loan, I informed her that I was still unemployed and was not trying to get out of paying my debt with them. She said that she would refrain from collection calls and wished me good luck in going back to work. On XX/XX/2015 Speedy Cash drafted my account {$280.00} via electronic check without my consent or approval. I have since then closed my checking account with XXXX Bank here in XXXX,