davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (OR)

On XX/XX/2019 - I opened a checking and savings account after seeing a Citi promotion. 

On XX/XX/2019 - I was charged a {$14.00} for ACH Electronic Debit - XXXX  XXXX   RETRY PYMT on the day I opened the account On XX/XX/2019 - I was charged a {$48.00} overdraft fee On XX/XX/2019 - I contacted Citi and I was able to get the {$14.00} and {$48.00} fees reversed, but there was no explanation where the XXXX  XXXX RETRY   PYMT originated from which caused the fees. This was on Citi 's end as I had not receive a debit card nor the welcome packet yet. 

On XX/XX/2019 - I transferred {$15000.00} into the checking account On XX/XX/2019 - I transferred {$500.00} into the savings account On XX/XX/2019 - I was charged a $ XXXX monthly fee. I had maintained an average daily balance of well over {$10000.00} so the fee surprised me. 

On XX/XX/2019 - I contacted Citi and they said the charge was due to the accounts not being linked. I assume the accounts being linked is the norm since you can transfer money between them, but apparenty it is not. I was assured by XXXX at XXXX, XX/XX/XXXX : " I can assure you that you will not be charged moving forward for as long as the account is able to maintain the fee. '' On XX/XX/2019 - I was charged a $ XXXX   monthly fee. Once again, I had maintained an average daily balance of well over {$10000.00} as the balance of the accounts had stayed relatively the same since opening. 

On XX/XX/2019 - I contacted Citi about the fee and was told by XXXX at XXXX, " I have re-aligned the linking of the account, XXXX. This will be effective XX/XX/19. '' She said she could not reverse the fee though even though it was Citi 's fault stating, " As of the moment, we're unable to reverse the fee since it is a valid charge based on the terms of your account and due to the recent fee reversal made on the account for the past 540 calendar days. '' My complaints are as follows : - In XX/XX/XXXX on the day of the account opening Citi overdrew my account causing {$14.00} and {$48.00} fees which were waived. The cause was Citi bank overdrawing my acccount on the day the accounts were opened and not me. How I can I overdraw an account when I do not have my card or information yet? 
- In XX/XX/XXXXI was charged a {$25.00} fee, but I was unable to get the {$25.00} reversed because I already had a fee reversed in XX/XX/XXXX ( which was caused by Citi ). The Citi employee assured me the accounts were linked I would not incur another fee. 
- In XX/XX/XXXX I was once again charged a {$25.00} fee even though a Citi employee assured me the accounts had been linked and I would not incur another {$25.00} fee. This was Citi 's fault once again.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (CA)

STAY AWAY FROM CASH APP!!!

I have never opened a Visa Cash Card through Cash App. There  is no where on their website under Contact Support to get through to a person or submit an inquiry as to why and how this account was established. Nor cancel the cash app Visa card. 

I think I have unlinked my email, but not really sure as this is not a very self explained website you go in. It sort of gives instructions that leads to no where. 

There is no way to get a hold of a live operator to dispute this fraud account either. The number they have is a recording and leaves you with nothing to go with and no option to speak to someone. 

Before this cash card came in the mail, I had to dispute a fraud charge by unknown trying to pay merchants with this cash app account through my debit XXXX account. Luckily, XXXX noticed this fraud and contacted me immediately to stop payment. 

This cash app account isnt safe and needs to discontinue service or shutdown completely. 

XXXX is much better and safer.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of XXXX XXXX that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of XXXX XXXX ( also attached ). In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged.
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After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms.
<P/>
I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.
Consumer complaint received 2020-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

Square recommended that I close my cashapp account to resolve a card attached error and then subsequently banned me from the service. I was never told why. No transaction issues. The forward a copy of their tos and close any ticket that has been opened.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

I have a collection account of {$700.00} from the collection agency listed as Southwest Credit Systems. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I am a  XXXX  Veteran who is on a fixed income. I have been a member of  USAA  for over 10 years and the level of service and malice to the   XXXX   XXXX  community  and veteran community should be widely addressed. I have never had an issue with them until recently when my monthly deposit was made to the account and I was unable to retrieve my funds. Without warning of written notification, my account was locked due to me owing them {$35.00} in my savings account, which I was unaware of but would have gladly rectified earlier on if I knew it existed. So to my surprise when I called to get the matter handled I was told that I have to w ait 3 business day s in order to use, withdraw or pay any bills from this account. No matter how far up the chain of command I went even to the point of tears. No one can help me. Its set in stone the computers would not allow them to override it. I express to them that this is all the money that I have and that I have my monthly bills coming out of this account, so I asked them, will the checks that are about to hit my account cause my account to be overdrawn and will I be charged for it? and the answer was unfortunately yes. I even offered to make the {$35.00} deposit at a branch if that would speed up the process. And was told that I would still have to wait th e 3 bu siness days. I ca n't believe that a bank is allowed to freeze your monies in another account based off you owing in another??? is n't that what  XXXX   XXXX  just got penalized for their debt collection practices? As to date I was told to  wait the 3 working days, which today is Friday and does n't count, in order to retrie ve my funds. Ohh I was told an alternative was to open a credit card account with them and that can get me money faster.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (TX)

After several attempts, I never received proof that debt belongs to me or that I agreed in writing to pay Innovative Recovery for alleged debt. I am unable to verify even the name of this company. Innovative Recovery reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) /FCRA, I have the right to request immediate validation of the debt Innovative Recovery says I allegedly owe. I am requesting proof that those named in the account are indeed the parties you are asking to pay this debt, and there is some contractual obligation that is binding them to pay this debt. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that any persons named on this account have any legal obligation to pay. For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The current balance. Any fees added by your agency. My original signature on the application from the creditor - my original signature on an application with your office consenting to any service.I will also inform Innovative Recovery that if their offices have or continue to report invalidated information to any of the three major credit bureaus or specialty bureaus, this action does constitute fraud under both federal and state laws. Due to this fact, if any negative items or marks are found or continues to be reported on any of the named credit reports by Innovative Recovery or the companies you represent, I will not hesitate in bringing legal action against Innovative Recovery and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put Innovative Recovery in serious legal trouble with the FTC and other state or federal agencies.Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and Innovative Recovery books. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Innovative Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me.
Consumer complaint received 2019-10-17
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. (TX)

I disputed a vendor charge with my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. The issue was resolved quickly before the next billing cycle, however XXXX erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from Equifax via the annual credit report process. The remark is still on my credit report, I called XXXX they said it shouldn't be and suggest I file a compliant with Equifax to get it investigated. Equifax did not make the changes, because they did not receive documentation from XXXX regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both Equifax and XXXX on XXXX over this issue. I also obtained the email address of XXXX 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I recently refinanced my mortgage with XXXX who paid off my Sierra Pacific Mortgage on XX/XX/2019. Unfortunately, I did not remove my ACH so my usual mortgage payment of {$1600.00} was also withdrawn. On XX/XX/2019 I called Sierra Pacific Mortgage at XXXX XXXX. and spoke to XXXX and requested that they reverse the ACH. She told me that they would try to do that, but if anything I would receive a refund within 5-10 business daysbut that it would be closer to 3 days, since it is just a refund/overpayment. I also emailed XXXX to reverse the ACH also and per Sierra Pacifics request, I emailed the proof that the payment was withdrawn from my account. I never received my refund but I did receive a letter dated XX/XX/2019, that my refund would be made within ten business days. I just called today, XX/XX/2019 and I asked to find out when my refund was made and I was told by XXXX that the refund has not been made yet. This is MY money for an overpaymentthere is no reason why I do not already have these funds. They know that my account was paid in full and they put those funds in unapplied funds. This is terrible, I will never do business with Sierra Pacific again and they need to overnight MY money.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (WA)

I opened a Paypal line of credit back in XX/XX/XXXX. ALWAYS made my payment on time every month. Fast forward to XX/XX/XXXX, I started experiencing financial difficulties. I had a life situation happen that was out of my control.By XX/XX/XXXX, Synchrony Bank had taken over PayPal Credit. I became late with my payment, for the very first time ever in the history of that account, and Synchrony Bank blew up my phone daily. I averaged about 6 calls a day from them. I explained that I was experiencing a life changing situation and that I needed assistance. I was told that I did not qualify for any assistance. My payment then became 30 days late, then 60 days late. I was doing my best to stay on top of my debt but hard to do with what I had going on.Then I get a  notification that Synchrony Bank closed my account, without notice, and also reported my account as derogatory to all 3 credit bureaus. My score dropped 75 points. Mind you I am currently looking for a job. If an employer pulls my credit, which they most likely will, I will not get the job as I was told that negatives on my credit disqualify me. Synchrony Bank ruined my credit. I then called Synchrony after I was notified of the derogatory on my credit. After speaking with the hardship department, I was approved for some assistance. I am grateful for the assistance but why wasn't this approved prior to the late pays?? Would have saved my credit and saved Synchrony from another complaint to add to the piles of complaints and lawsuits against them. I was told afterward that in order to be approved for assistance, you have to have a 60 day late on your account. Ridiculous!! Also, I was a customer of Paypal since XX/XX/XXXX, Synchrony did not bother to report the full account history of on time payments for 3 years, only the past 6 months. Which shows 2 months of late payments. Please tell me how this is fair treatment for a consumer? I did my " due diligence '' by informing Synchrony that I was experiencing a life changing situation, I even have the documentation to back it up, and this is how I am treated?? I will not ever apply for Synchrony credit ever again. I will be paying my balance on the closed account and that will be the end for me.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX wrong status XXXX  XXXX XXXX wrong status XXXX   XXXX wrong status XXXX   XXXX wrong status INQUIRIES XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized
Consumer complaint received 2019-05-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Auto Trakk, LLC (KY)

Autotrakk LLC has repeatedly harassed and physically threatened me, and went as far as sending a strange repo company to my home during the nighttime, while I was at home with my small children. The first reposession company that came to my home was represented by two men, and they had one of the employees call me a XXXX. I told them that I would call their boss, and the person stated that I own the company maam! I was scared to the point of soon moving out of my home. I was wishing to be done with their tactics, and soon turned the car over to the second company that they sent to my home. They still sent the Sheriff to my house, after the car had been gone for months!!! I still had paperwork to prove that I turned the company over to someone sent by Autotrakk, and the sheriff advised that he would take care of it for me. They report incorrect information, and use threatening tactics in an attempt to XXXX  people. I have documentation of the full balance changing several times. I was told that they either need the full balance, or their vehicle back. I should not be held liable for both!!! wish that I would have consulted with a lawyer, but I am giving them the chance to rectify this through this complaint, and to leave me alone, and remove this erroneous information from my credit report. The financial and emotional distress that this has caused me, during a transitional period during my life has been beyond words. I am saving up to get a lawyer to defend me against this shady company and their violent tactics and untrue reporting.