davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello My name is XXXX XXXX XXXX I am a new immigrant to the united states of America and Im coming to you for help on the below situation. I spoke to Equifax on XX/XX/XXXX latest and earliest XX/XX/XXXX and inquire about removing unauthorized inquiries in my credit report. I have filed an FTC report reporting identify thief, and also a police report. Equifax has not been able to fix my problem and I'm trying to stay positive to provide for my family during the covid19 crisis and this is not making it any better, as we are in the process of  buying a home and these unauthorized inquiries are keeping us from that. Please see the below and remove all of them. 


XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( I Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

Over the summer in 2019, I had two charges come through my CashApp account fraudulently. When I noticed these charges had come through on my account, draining my CashApp account and drawing funds from my Banking Debit Card as a funding source. I contacted CashApp support and told them about the fraud transactions.

They replied and told me that there was nothing they could do to recover the funds or fix the situation because the " recipient had already claimed the funds and loaded them into their personal account. '' I was then instructed to contact my banking financial institution if I wanted to pursue the recovery of these funds.

I confirmed with them that the charges WERE FRAUD, and CashApp said they were going to note it into my account. 

On XX/XX/XXXX, I recovered the funds back to my banking account and everything was fine, However, on XX/XX/XXXX, I noticed my CashApp account had been banned and closed. I have yet to received ANY notice about this from CashApp as to WHY my account has been closed. They are currently withholding funds from me in my Bitcoin account, and refused to reply to any support questions on their direct channels via Email,  XXXX, or XXXX, as they claim they do not have a phone number. 

As of XXXX on XX/XX/2019, They have disabled my ability to create a support ticket via the app, which is their only OFFICIAL way of contacting support, and they have blocked/muted me on XXXX and XXXX, refusing to speak with me about this issue or provide additional details, even when I have the copies of the emails that was discussed prior, identifying the transactions as fraudulent. 

I have also been blocked from creating any new account as well to speak about this issue OR request a new account. They are completely barring me from communicating legitimately about their service and this case of Fraud.
Consumer complaint received 2020-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

XXXX XXXX XXXX  has for several years tried to me to a debt that isn't mine ... .. It has now been sold to Phoenix Financial Services. I have excellent credit XXXX fico and they try to destroy my credit with this fraudulent claim that I owe them {$72.00}
Consumer complaint received 2020-10-11
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. (OH)

To : XXXX  or XXXX  or TransUnion I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,
Consumer complaint received 2020-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (CA)

Academy Mortgage Corp. rejected my mortgage application ( {$230000.00} ) because of my age. I am XXXX years old. After reviewing may credit status with each credit company and finding no negative items, no late payments or poor reviews from any creditors, and I have credit scores from each of the three credit corps ; XXXX, XXXX  and XXXX, of 800 or better. Without any negative responses they rejected my application with the standard XXXX data sheet about credit scores. Since there are no negatives on any credit report, and credit scores over 800, and my only depts a mortgage of {$210000.00}, with 8.5 years left on it, and a car loan of {$17000.00}, with an after tax income of over {$10000.00} a month and a net worth of {$2.00} XXXX dollars in property and investments ; the only conclusion reached is that my age of XXXX  years can be the only reason I was denied a pre approved ( {$230000.00} ) mortgage from Academy Mortgage Corporation.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.
Consumer complaint received 2020-06-25
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX Signed documents, put money in escrow to payoff Bank of America HELOC XX/XX/XXXX Bank of America HELOC was overpaid on the balance XXXX Bank of America closed the HELOC account by " paying '' {$1000.00} out XXXX Bank of America HELOC Payoff Dept wrote refund check # XXXX XX/XX/XXXX ( Wed ) Customer called Sierra at BofA XXXX Phone XXXX ). She confirmed the above check was written 14 days previously. 
XX/XX/XXXX ( Wed ) @ XXXX XXXX, after a 49 minute " hold '', XXXX transferred me to XXXX in the Payoff Dept. XXXX @ XXXX XXXX  said she is putting a " stop payment '' on the above check. She will make a direct deposit to my checking account for the {$100000.00} within 48 to 72 hours. 
XX/XX/XXXX ( Tue ) XXXX called BofA HELOC ( same phone # ) and spoke to XXXX, after " holding '' for approx 15 minutes. She claimed she could not help me, but would transfer me. I had an appointment and had to leave, but told XXXX to contact whoever and have the money deposited in my account XX/XX/XXXX ( Wed ) @ XXXX XXXX  ( MST ), I called XXXX at BofA HELOC Payoff Dept. She said a group of XXXX payoff checks were delayed and mailed XX/XX/XXXX ( Mon ), including mine. She does not " see '' a STOP PAYMENT. I requested her supervisor. 
XX/XX/XXXX ( Wed ) I spoke to XXXX XXXX XXXX, the supervisor. XXXX XXXX confirmed a STOP PAYMENT was processed XX/XX/XXXX ( not XX/XX/XXXX ). System will not allow payment for another 48 hours. I want money immediately. I requested her supervisor. She said it will be 24 to 48 hours for response! 

I am a 27 year customer with multiple accounts with Bank of America! If I can't receive reasonable payment, who can??? Either BofA is irresponsible to the max ... or they have a severe cash flow problem and are holding customer cash unduly long to avoid official defaults. 

Please help me ( and others ) get our overpayment refunds in a timely manner! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Email : : XXXX Cell : ( XXXX ) XXXX
Consumer complaint received 2020-10-11
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. (CA)

My complaint is with experian credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. Experian has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My experian lock was taken off a couple of times and I couldnt lock it back. Im tired of Experian being biased towards me then has to end. I will be submitting a cease and desist order to Experian as soon as I finish my motion in court if this does not stop.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a valid unemployment claim under California EDD and entitled to receive unemployment benefits as an XXXX  XXXX under Pandemic Unemployment Assistance provisions of the CARES ACT. 

I have called BOA, and Bank of America says my claim is fraudulent because XXXX XXXX are not allowed to collect unemployment that is why they have debited my EDD debit card for {$16000.00} which is the total that they have paid me so far. 

California EDD department investigated my claim and has verified my Identification and has approved my unemployment claim. 

State of California is direct depositing my unemployment benefit money into my BOA EDD debit card, but BOA is keeping my unemployment benefit money and prohibiting me from withdrawing my benefits because they have taken the position that my EDD claim is fraudulent, even though EDD has investigated and found my claim to be valid. 

3 times I have called XXXX and was transferred to the claims department in order to file a dispute, and then I have been put on hold for about 3 hours each time. 

I am requesting Bank of America to give me credit on my EDD debit card for {$16000.00} as soon as possible.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid 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 (MD)

On XX/XX/XXXX, I used my Capital One Quicksilver card to pay for a hotel room in Indiana through my phone on Apple Pay. I went to XXXX to purchase some needed items, and when I tried to check out, my Quicksilver card was declined even though I had {$500.00} in credit. I called Capital One to figure out what happened with my account. I was told that they suspected fraud on my account after I used my card for a hotel room using XXXX XXXX, even though I've done this before with no issue. I asked then what's the reason and never given any, but I was told that I'd need to send in my drivers license and social security card. I never felt comfortable with this as I never needed it to get approved for the account. A month goes by and I call again to find out that I now need a bill with my name on it. I finally sent a copy of my drivers license, social security card, and a bank statement. After a week, I was told that sending in my bank statement wasn't good enough, even though that was what I was told over the phone, so I sent over my car registration. I get told this first week of XXXX, that now I need to send some residency information. This is too much, and I'm done with it. I don't need this much to even get a drivers license. As of today, XX/XX/XXXX, I still don't know why a fraud claim was put on my account, and the last representative told me that they can't tell me anything that's going on with my account.
Consumer complaint received 2020-10-28
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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (CO)

There are three problems that occurred : 1 ) My mortgage company, New Rez, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has 30 past due, which caused my credit score to drop by over 100 points. It's outrageous.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (FL)

I have received several call and mail from MONARCH Recovery Management inc. 
phone # ( XXXX ) XXXX associated with XXXX XXXX XXXX ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2020, I paid double the minimum payment for the month of XXXX. The due date is the XXXX of each month, so I paid nearly two weeks in advance. Somehow, XXXX XXXX XXXX   takes longer than any other credit card I have. Because of their lengthy amount of time to accept my payment, which I choose the day of in which I log in and make the payment, I get charged late fees and my checking account ( XXXX XXXX  ) that I pay for the XXXX XXXX XXXX  fee is getting multiple insufficient funds charges because XXXX keeps trying to pull the money TWO WEEKS after I paid ( earlier than the due date )! 1. How am I being charged a late fee when I paid nearly two weeks early? 2.  When I called customer service, the representative could not help me and her only advice was to manage my finances better ( hence why I pay near the beginning of each month to AVOID late fees and issues on the due date ( XXXX of each month ). Because of the payment not being processed, XXXX CLOSED my credit card and now my credit is going to absolutely plummet. I called customer service on XX/XX/XXXX, and I paid my bill on XX/XX/XXXX for my due date of XX/XX/XXXX of this year. That shows how long and ridiculous XXXX takes to process payments. I always try to pay more than double the minimum payment, so this whole situation is very upsetting to me.
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (PA)

Assetxare LLC has been putting erroneous charges on my credit report. They attempted to do this twice before and it was removed from my credit report. They recently attempted again to put a {$2900.00} charge on my credit report and this time it was not removed from my credit report. Mind you XXXX  has removed all of these from my credit report!! If this does not get removed immediately I will be seeking legal counsel for help!! This is unacceptable business practices. It is called harassment and I have no knowledge whatsoever in regards to these accounts. I have not received any correspondence from this company.Last year I went as far as freezing my credit report so these disgusting companies could not harm my credit. Thank you.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (WA)

Chase bank has mislead me about my consumer rights, and used predatory & misleading methods to avoid lawsuits and legal liability.

Chase only has a very small line of text, at the very bottom of the cardholder agreement, stating this outrageous clause : " If you do not reject this agreement as provided below within 60 days of account opening, you or we may elect to resolve any Claim by arbitration. '' TO ANYBODY PUBLICLY READING THIS COMPLAINT, IF YOU DON'T OPT OUT, THEY CLAIM THAT YOU  CAN'T SUE THEM IN COURT. IF YOU HAVE THE AMAZON PRIME REWARDS CARD, MAKE SURE YOU OPT OUT OF THIS CLAUSE, AS IT'S HIDDEN IN VERY SMALL TEXT. 

This is beyond deceptive and predatory. At no point did Chase directly notify me about this, or any time limit that I was subjected to. If I had been notified of this, I IMMEDIATELY would have opted out. 

Not only is this misleading, this " time limit '' to opt out goes directly against consumer law. Further, to automatically " opt-in '' all customers to this agreement, is a blatant violation of consumer protection law, and directly violates my rights as a citizen to take legal action against a business who falsely advertised a service, and caused financial burden against me. 

Further, the method used to notify them is discriminatory towards the XXXX and the financially XXXX : " Your notice must be mailed to us at XXXX. XXXX XXXX, XXXX, DE XXXX. Rejection notices sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective. '' Every single function of this card, including opening the account and making monthly payments, can be done online. At no point, does the customer even need to sign a physical document. By forcing people to write a physical letter, and pay for postage/confirmation, Chase is not only discriminating against consumers, they are creating obstacles to prevent customers from getting proper justice in a court of law.