davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (NC)

XX/XX/XXXX my cashapp account had got locked for " suspicious activity " when I tried to transfer my funds to my bank as usual. I contacted customer support thru email and never got a response other than an automated message. More research was done and I had found out they were active on XXXX   with solving issues. Contacted the support team there and got my issue solved asap. When I went to withdraw my funds a second time my account got locked again for no reason contacted the support team and never got anymore help beyond this point. I have contacted them through countless emails XXXX messages and can never get a response. {$500.00} is a lot to me and I just dont know what to do anymore people all over is having issues with this company they dont even have a proper customer service line set up for anyone to call just XXXX
Consumer complaint received 2021-08-19
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. (GA)

on XX/XX/2021, i sent a letter to transunion about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

We were the victims of credit card fraud. Were instructed to access the 3 credit monitoring agencies to be sure our reports were all correct and to be sure our credit is frozen at each agency and place a fraud alert on each account. This was done without problem on XXXX. Some difficulty with XXXX but was accomplished and credit report was printed out. 
Attempted to access my Equifax account ( XX/XX/year> approximately XXXX XXXX  pacific time ). and upon trying to login was sent to a screen that said, " Please give us a call, we can not complete your request at this time ''. I called the posted number and entered all the requested identifiers. Was on hold for 45 minutes to be connected to a representative. The representative was extremely difficult to understand due to heavy foreign accent. She asked if I was using XXXX as my browser to sign. Informed her I was using XXXX XXXX. She requested that I attempt to sign in via XXXX, if possible, which I did and was taken to the same page requesting to call. She then asked if she could place me on a brief hold so she could work on " unlocking '' my account. She came back after several minutes and stated she did not know why but was unable to unlock my account and stated I needed to send them copy of my social security card and some other document that I was not able to understand. I explained that in today 's environment of mail theft and already being a subject of fraud and identity theft, I would not do that. I requested to speak with a supervisor. Was placed on hold again while she said she needed to find an available supervisor. While on hold, I was sent to the survey that was stated at the beginning of the call that would come on at the end of the call if you were willing to complete the survey and stay on the line otherwise you could hang up and end of the call. I was then cut off. On the phone for nearly 1 hour without my issue ever being addressed and no resolution. Not able to access my account and not able to get the information I need to address my recent credit card fraud and identity theft issues. Also very difficult to understand the representative on the phone making the call even more difficult.
Consumer complaint received 2021-08-19
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021, I reported 16 unauthorized charges to my Chase Amazon VISA Credit Card totaling {$1500.00} as soon as I saw the charges posted on my account. The Chase agent told me that they would remove the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase, dated XX/XX/2021, telling me that of the {$1500.00} unauthorized charges they are responsible for {$140.00} and I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. they presented no proof ). Note : All but 3 of these 16 charges occurred within 5 days. 

On XX/XX/2021, I sent a letter to Chase telling them that I dispute their assumption that " I received benefit from 3 of the unauthorized transactions '' on my account. I stated for the record that : 1. I did not buy any airline tickets 2. I did not take any flights 3. I did not authorize any other person to take any flights 4. These transactions are criminal and fraudulent 5. I have no idea how anyone got access to my data. 
And I requested that they take another hard look at this matter and get back to me as soon as they reasonably could do so. I also said that I expect one of two outcomes, ( 1 ) they accept full responsibility or ( 2 ) they provide proof that " I received benefit from the transactions ''. 

On XX/XX/2021, I received a letter from Chase confirming their previous finding that the 3 disputed transactions were valid and I was responsible for payment. They did not provide any details or proof to support their findings despite my request. 


I am a victim of Identity Theft and Fraud and Chase VISA has failed to recognize this. I reported {$1500.00} unauthorized charges and Chase accepted responsibility for only {$140.00} and said that I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. They did not provide any details or proof to support their findings despite my request )
Consumer complaint received 2021-08-19
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: DISCOVER BANK (TX)

Did you recieve the Id theft report that I sent directly to you and through the cfpb? 

If so, then why are you not following the fcra and the ftc guidelines? 


ADDITIONAL RESPONSIBILITIES Victims of Identity Theft When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B If a CRA notifies you that information you furnished is being blocked on a consumer 's credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) If a CRA notifies you that a debt has resulted from identity theft, you may not sell, transfer, or place that debt for collection. FCRA 615 ( f ) ( 1 ) If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) If you find that you furnished inaccurate information due to identity theft, you must promptly notify each CRA of the correct information. Going forward, you must report only complete and accurate information. FCRA 623 ( a ) ( 2 ) If you provide credit, goods, or services to consumers, you may be required to supply application or other transaction records to an identity theft victim or law enforcement officer, if they ask. FCRA 605B ( f ) 615 ( g ) If you establish or extend credit plans or accounts, you may be required to follow certain steps to verify a consumer 's identity when you see a fraud or active duty alert on his credit report. FCRA 605A ( h ) ( B ) ( ii ) NON-COMPLIANCE If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Credit Karma (MA)

On monday XX/XX/16 I attempted to deposit a paper check into my credit karma save account. The next day I received an email it did not go through. I went back to app to try again. The option to deposit a paper check disappeared. I have been calling and emailing all week getting the run around and not one native English speaker. One of the emails claims the terms of service changed and only checks between XXXX and XXXX can be deposited in one day. The check was for XXXX and change so it qualifies but the option is nowhere on the website or app!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights 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 does not furnish an account without my written instructions
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I am a victim of identity theft. An identity thief used my personal information without my permission to make fraudulent transactions on my accounts with Santander Bank. 

I am a member of XXXX and enlisted their service in the investigation. 
I completed a XXXX Power of Attorney form for XXXX so they may contact Santander Bank on my behalf and inquire about the investigation. 
The XXXX Power of Attorney form along with supporting documentation was mailed to Santander Bank on XX/XX/2021 and received on XX/XX/2021 - verified by USPS Certified Ticket # XXXX XXXX XXXX XXXX XXXX. 
The agent assigned to my case contacted Santander Bank via phone call on XX/XX/2021 to verify receipt and attachment of the XXXX Power of Attorney form to my account, and was told that Power of Attorney must be completed in a branch. 

Santander Bank then proceeded to freeze all of my accounts for security, stating an unauthorized party had called and tried to gain access to my accounts. 

On XX/XX/2021 I visited my local Santander Branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
I spoke with XXXX XXXX and advised that I was aware of the phone call made and that it was authorized. 
My request to unfreeze my accounts was denied. 
My request to establish new accounts was denied. 
My request to have the XXXX Power of Attorney form resubmitted by XXXX was denied. 
My request for the contact information for the fraud department of Santander Bank was denied. 
My request for information on the process of authorizing another party on my accounts was denied.
Consumer complaint received 2021-08-19
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. (MI)

The XXXX  XXXX XXXX  Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is a XX/XX/XXXXXXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (AZ)

I received a call from a woman who claimed to be with Delta Management Associates. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for Delta Management Associates. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from XXXX XXXX XXXX XXXX XXXX. 
I have never heard of XXXX  XXXX XXXX  XXXX XXXX, or of Delta Management Associates. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

This letter is regarding account # XXXX with Prestige Financial Services, which you claim my account was Charged Off with a balance of {$8300.00}. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX XXXX and XXXX  ) This account should not be on my credit report at all. I am a Deputy Sheriff and this is affecting my ability to get a mortgage amongst other things. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WI)

I refinanced my home last XXXX and my loan was serviced by a company called The Money Source. In XXXX, I received a letter stating that the servicing of my mortgage was to be transferred to a company called XXXX XXXX on XXXX. Not only did The Money Source failed to transfer my loan to the new servicer, they also transferred a payment to XXXX ( where I didn't have an account ) and didn't credit my account. My credit scores for XXXX and XXXX were trashed and I continued to receive irrational phone calls and harassing delinquency letters from them. I called them at least 10 times and spoke with a different customer care employee each time without resolution. I eventually had to demand to talk to a supervisor who also couldn't find where my payments were. I was eventually connected with their Vice President of Customer Care. I attempted to explain to her how much time and effort was expended on my part to clear my good name as well as tracking down my payments which were not late. My loan was finally transferred on XX/XX/XXXX. The only things that I ever received from them were empty apologies as well as collection calls and delinquency letters. It is my hope that I can shine a light on their terrible " customer care '' and perhaps prevent this from happening to other clients.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

All the money {$1500.00} was taken from my account on XX/XX/XXXX. I called the XXXX to tell them about the fraud. They said they would open a claim and they did and then my claim was automatically denied when I called back they said they re-opened it this happen back-and-forth many times and I finally called back again and they said that they denied it for multiple reasons two of those reasons were incorrect and Im still left without the funds the card never left my possession I never made the transactions wasnt in the city at the time it happened etc.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (TN)

I had an issue with Regions bank that required I contact them to stop payment on an outgoing check. This caused a horrible headache in which they refused to listen to me and allowed the account to be charged 5 times in a row, so they could collect multiple overdraft fees. 

I contacted CFPB at that time, and the charges immediately stopped, as did the overdraft fees. However, now my account is heavily restricted and I can no longer link the account with online services like XXXX. In fact, this is preventing me from paying my bill to XXXX XXXX 

This is clearly retaliation for the previous CFPB issue. Every time I contact customer service at Regions, they just tell me they can't provide me any more information on the issue. Effectively, they have closed my bank account, allowing money in but not out.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2017 account # XXXX and # XXXX was opened at Suntrust address associated with account was XXXX XXXX XXXX XXXX FL XXXX XXXX I have never stay at this address and didnt give anyone permission to use my social security number
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have spoken witXXXX XXXX XXXX XXXX  on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

Received two Letter one from Chime Visa asking to set up my direct deposit and another from XXXX XXXXXXXX XXXX to activate my high interest checking accounts Both are not accounts I have tried to set up. 
Contacted XXXX XXXX and they have closed the account. Chime is much harder to contact. In the process of trying to contact and close account.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We put in a complaint about this before. On XX/XX/2021 we had Capital One write a cashier 's check for {$250000.00}. Our mortgage company misplaced the check. Capital One told us they could not put a stop on the check for 90 days. They then put a stop on a cashier 's check for {$250000.00} after they said they could not do this -- without telling us. They will not honor the stopped cashier 's check. They asked us to have our mortgage company fill out an affidavit on the check so we could get our funds back. Our mortgage company did this, and Capital One STILL refuses to give us our money back. 
Capital One responded to the previous complaint ( Capital One CID : XXXX and XXXX CFPB Complaint ID : XXXX and XXXX ) with a series of lies. They claim that the check was stopped on the XXXX -- yet XXXX XXXX could not cash the check on the XXXX. This is impossible and is a lie. They also claim we called on XX/XX/XXXX to stop the check -- but why on earth would we do this after we saw that initially XXXX XXXX put the money in our account on XX/XX/XXXX??? 
Another lie is that the author of our response said we could ask for a stop on the stop payment. But on XX/XX/XXXX, Capital One stated that they could not stop the Stop! 
The letter also states that we will get our money back after 95 days from the date of the check. This would be XXXX XXXX. However, I called and Capital One said they would return the money on XXXX XXXX ( 99 days ). 

XXXX  XXXX -- can the CFPB do something about this criminal behavior? It isn't enough to just forward complaints to the very bank causing the issue ...