davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/XXXX, I messaged support asking if I received an ACH from one of my customers would it be available same day. The representative told me it would be available same day. I told my customer to go ahead and send the ACH based on that information once I received it I did not have instant access. I called back and spoke to support and told them what their support team told me, they told me they were wrong and that was that I would have to wait for the funds for three business days. It has been three business days. I still have not received my funds in which I need for my business to operate. I called Square spoke to a representative and she said it may be tomorrow or it may be the day after no definitive answer. I asked to speak to a manager The representative told me he was just going to tell me the same thing she said, and I said I would like to speak to a manager, regardless. When I got on the phone with the manager his name was XXXX. From the start, he was very argumentative told me nothing could be done that I just had to wait. I explain to him that the funds already left my clients account and this is holding up the work that I have to do for him again he said he could do nothing. He said the team that processes these things are usually backed up. I asked to speak to the team that processes ACHs He said no I also asked to speak to his manager, and he said his manager is not client facing nor available. This is completely unacceptable considering I have been waiting five days for these funds when I was told that it would be instant. I even told the manager that I have a bank that processes the same day ACH is and he said he does too. This one just doesnt then said this conversation looks like its going nowhere and hung up on me. 

Not only is this poor customer service for a manager theyre also giving false information regarding their ACHs. I also forgot to mention that he asked me if I thought there was a magical button that he could push to give me the funds. It was a terrible interaction from the start. I told him Id be reporting to the CFPB and he told me to go ahead and do that and that he could not give me his last name. Hes just XXXX.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio (IA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I had a checking account with Chase Bank the XXXX XXXX branch in XXXX XXXX, California. I was also dating someone online who said they were going to send me some money and asked for my banking information. So I gave it to the person and they sent me a fraudulent check to my account. When Chase acknowledged the check they immediately closed my account with no explanation and said I could never bank with Chase ever again. I tried to explain I wasn't aware this was going to happen but they didn't believe me. The account was opened on XX/XX/XXXX and it was closed XX/XX/XXXX. 
I tried to open another account two years later XX/XX/XXXX and I was successful but then the account was closed XX/XX/XXXX.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-06
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Collection Agency Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (TX)

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 
CFPB, I am filing this complaint so please don't send me form letter stating someone else did it for me. I have been trying for several months to get this account off from all 3 credit bureaus. There was a vacuum demonstration that I attended conducted by XXXX XXXX XXXX but somehow my credit was pulled without my verbal or written consent. I received the attached letter stating that I was not approved to purchase this overly priced vacuum but somehow this outrageous amount was sent to all 3 credit bureaus as collection. I have not signed anything authorizing a check or any purchase agreement or even receive the vacuum. I am asking for a full validation of this account as its not mine. Under FCRA, I am entitled to such request. Additionally, I need to know what right XXXX XXXX  has the right to collect on this account under the Fair Credit and billing act. I believe XXXX XXXX XXXX fraudently submitted an application in my name. Even though it was denied and they continue to bill me for service not rendered. 

Disputed account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX of this account is paid off Balance on XXXX XXXX, 2022 {$4600.00} I am in the process of filling a DOJ and FTC complaint for fraud
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  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 can not furnish an account without my written instructions
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY (NJ)

I have had a Wells Fargo checking account since XXXX. I recently discovered that XXXX was added to my account as a money transfer service. I used it a few times and decided I did not want it. 

There have been many stories recently in the XXXX  XXXX and elsewhere about theft and robberies using XXXX, which the banks refuse to reimburse for because they claim the transfers were " authorized '' -- even if the authorization was at gunpoint. 

I attempted to remove XXXX from my checking account, or deactivate ( deauthorize ) it, and discovered I can not. It is required with a Wells Fargo checking account. So, the service is required and can not be deactivated, but if theft occurs using it, the bank will not accept responsibility even though it is forcing the account holder to have this feature. 

This is wrong and imposes a significant risk on me ( and others like me who do not want or need this types of service ). I could go elsewhere, but it appears the owners of XXXX include the other major banks as well, and I suspect the policy is the same. Thus, my complaint is that my bank will not allow me to remove XXXX from my checking account, causing me significant risk which they also refuse to cover.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (GA)

Commencing on or about XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my East West Bank account to East West Bank at the instructions of the scammers. 

Date wired Amount Transaction XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer sub total XXXX XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CO)

I rented a vehicle using my Chase credit card and had an accident on XX/XX/21 with the rental vehicle, resulting in about {$3000.00} in damages. I am supposed to have insurance coverage for rental vehicles when I use my Chase card. I timely submitted a claim and then timely submitted all information requested by Chase on 2 or 3 occasions. I have confirmed with Chase representatives on the phone of 2 or 3 occasions that they have all the information they need, but I continued to receive emails saying they need additional information. Then, when I call about that, the phone reps tell me their computer says more info is needed. So, I have asked to speak to supervisors 3 or 4 times and am assured that I will receive a call from a supervisor within 24-48 hours, but I have never received a call back. This has occurred consistently over the last 10 months, obviously indicated that Chase is not responding in good faith, but is hoping I will just abandon the claim. I seek assistance in pursing this against Chase card services.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I just received a call from XXXX XXXX, XXXX XXXX Webster Bank branch manager. 
She told me that my line of credit application was denied because my home was appraised at {$140000.00} without anyone coming inside to look at it. 
Less than 3 months ago, Webster Bank sent in an appraiser and my home was valued at {$200000.00}. 
XXXX XXXX told me that if I wanted an accurate appraisal I would have to pay an additional {$550.00} for an interior appraisal. 
BAIT & SWITCH! 
I spent many hours obtaining documentation for XXXX XXXX, and after I have done all that, XXXX agreed that the {$140000.00} appraisal was not accurate, but I could get an accurate appraisal if I spent {$550.00} for an appraiser to come inside my home. This was not explained upfront. This is XXXX & XXXX.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX 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 can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (IL)

I making a formal complain on the company NCB Management. NCB Management first called a family members phone number on XX/XX/2022. NCB was told that day that the number they were calling was not mine but a families member. This family member was told they would not call this number anymore and she advised she would let me know. NCB continued to call during the time frame of XX/XX/XXXX until current. During the time frame of XX/XX/2022 and XX/XX/XXXX of XXXX NCB called 36 times. During this time they were told on more than one occasion again this number was not mine but of a family members. In accordance to the Fair Debt Collection Practices act - it states that People collecting debts can't harass, oppress, abuse, or deceive you or anyone else they contact. Companies attempting to collect a debt can not call you over and over, make repeated phone calls that are intended to annoy, abuse or harass you or any person answering the phone. to which NCB continued to do despite being told to not call that number again and that it was not my number. I spoke with NCB on XX/XX/XXXX at XXXX am XXXX and advised that the number they had on file is incorrect and do not contact as it is a family members. NCB is also in violation of my rights through not only CFPB but XXXX for the biggest reason being XXXX requires all debt collectors to comply with their regulations. one regulation is that within five days of the debt collectors first contact with you, the debt collector must give you the following information in a written notice. 1. ) the amount of the debt 2. ) the name of the creditor to whom the debt is owed 3. ) that you have 30 days from receipt of the notice to dispute ( there has been not notice or validation sent ). NCB has violated multiple rights of mine.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX ( S ) ; Experian : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX 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 can not furnish a account without my written instructions
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I deposited XXXX USD into Gemini Trust Company , LLC today via wire. I received no notice regarding any negative statuses involving my account and I was permitted to buy XXXX. Once I had tried to withdraw the currency to my personal wallet, I received a notice saying that my account had a security hold on it. I contacted support and had sent pictures of myself with my ID for verification, I had to resend photos since the first set was blurry. No response after that. 

I suspect that Gemini is holding accounts XXXX  to stave off insolvency. Gemini Trust recently allowed American and XXXX users to purchase digital British Pound in addition to their digital USD product |GUSD ''. Therefore they have additional sources of liquidity. I have read of other users having similar issues recently that have not been resolved for over 90 days. 

I have never had issues with this company before it is very suspicious that these isssues pop up during a time when many crypto firms are going under due to liquidity and leverage issues. By the way XXXX XXXX XXXX XXXX XXXX I will sit for my XXXX  exam sometime before XXXX. I currently work XXXX XXXX XXXX  for a non-profit. 

****** Gemini missed their last monthly audit report for their GUSD product. see below Very suspicious, new digital fiat product for the British Pound and no Gemini USD audit for XXXX. 
https : //www.gemini.com/dollar
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

XXXX XXXX account # XXXX have violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

My father XXXX XXXX XXXX died XX/XX/2021 his account was compromised by several individuals. My fathers debit cards, credit cards were obtained and his entire account was cleared out. Lines of credit were taken out, credit card balance transfers were also done. My brother XXXX XXXX and I are the only next to kin. I had my brother appointed Executor of my fathers estate. We told Navy Federal that our estate didnt authorize any changes or charges that took place with my fathers account. A Estate account was set up in my fathers name through Navy Federal, despite the identity theft done on the account Navy Federal never changed the account number to stop to fraud when we went into the branch and set up an Estate account.

Navy Federal only changed the name of my fathers account to the Estate of XXXX XXXX XXXX My father also has mortgages with Navy Federal and the company is aware that the address was changed to a location in Georgia . We have told Navy Federal several times our Estate didn't authorize any changes or payments. Navy Federal did nothing to correct this, instead the company lied saying my father had multiple loan balances that were obtained after he died. When we went inside of Navy Federal last year we weren't given all of his statements despite them being provided with all the documentation. After the money was taken out of the account, this individual would call and make third party payments on the mortgage. Our Estate did not authorize a transfer of XXXX that was the remaining in the checking account to be transferred to the credit card account that had also been compromised for months. Navy Federal needs to do a full investigation and go after XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX