davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year> I attempted to withdrawal money from my ATM. It was declined multiple times. I called USAA and was told to use a different ATM. That was also declined by my financial institution as the error read. I was told by USAA that it was my card and to use my wifes. My wifes card worked for pulling out some money then once again it stopped me from withdrawing funds. Once again I contacted USAA and they told me they don't know why its doing it and they can't tell the system to stop. At this point I am unable to withdrawal my money that is backed by FDIC.
Consumer complaint received 2024-11-03
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

I have received a Cash App visa debit card on XX/XX/year> and I didn't open the account with cash app. Tried to call customer service of cash app on XX/XX/year> and sent my name and the photo of the card ( front and back ) through the email that customer service sent. However, I couldn't get the confirmation of closing this account. Please help!
Consumer complaint received 2023-04-24
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. (NC)

I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent 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 XXXX TransunionXXXX XXXX XXXXXXXX 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm contacting you regarding fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or approval, causing me considerable XXXX. I've been a victim of XXXX XXXX  and have already reported this incident. This situation urgently needs addressing, as it's negatively affecting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide any required evidence and, if necessary, take legal steps to protect my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Consumer complaint received 2020-03-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I have applied for numerous Loan Modifications with JP Morgan Chase Bank. They are unwilling to work with me to catch up on payments. I filed a Chapter XXXX. I tried to make my mortgage payments at the branch office and they would not take my payments. Chase also locked my online account for the mortgage so I could not make online payments. When I call to make a payment, it took well over a 1/2 hour to get a live person. I fell behind on my mortgage payments, they were awarded the to Lift the Automatic Stay. The Chapter XXXX  was not dismissed, Chase was only withdrawn from the Chapter XXXX. My Chapter XXXX payments were not reduced. JP Morgan Chase enforced the Foreclosure and there is now a Sherriff Sale Date set for XX/XX/2020. 
I have talked to JP Morgan Chase after applying for the Loan Modifications and was told I have too much equity in the home and that I make too much. The want {$25000.00} to reinstate the loan. 
I don't want to lose my home as I owe roughly {$70000.00} The home is assessed at XXXX. My credit score is XXXX so I can not obtain a refinance loan. I have been denied. 
I turn XXXX XXXX on XX/XX/2020, I have a 401K that I can withdraw funds from at that time and pay JP Morgan Chase at that time. They were unwilling to wait. I can not do it now as I already have 2 loans out with my 401K plan. I don't have enough funds available for a hardship withdrawal either.
Consumer complaint received 2024-11-03
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Aqua Finance, Inc. (TX)

I believe Aqua Finance , Inc. used misleading tactics to convince my wife to enter into an agreement for a water filtration system in XXXX. A door-to-door salesman gave us a lengthy demonstration that would supposedly improve our home 's water quality. He outlined several perks in addition to the product, such as custom shampoos, laundry detergent, and bar soaps. What was not made clear was how high the interest rates would be, as well as how long the balance would take to pay off. We made monthly payments from XX/XX/XXXX through XX/XX/XXXX, amounting to {$4400.00}. We have paid an additional {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. We are still being told we owe a balance of {$6400.00}. 

I spoke with a representative at Aqua Finance, who told me the original amount owed upon agreement was {$8900.00}, but our remaining balance is still high, mainly due to alarmingly high interest rates. 

The original copy of the agreement we signed in XXXX is not accessible online without an access code. When I called for a copy, I was told that the code expired and that I would need to be sent an email of the agreement. She confirmed the email address and told me it could take up to XXXX business days to receive it. I never received the document. 

In XX/XX/XXXX, the FTC published an article about a {$43.00} XXXX settlement that resulted in {$20.00} XXXX in refunds and {$23.00} XXXX in debt forgiveness for consumers " harmed by its dealers ' deceptive sales tactics. '' I believe we should've been included in this settlement. Aqua Finance has a message on their website stating, " All impacted customers will be mailed a letter from Aqua Finance with the details of the settlement by [ DATE ]. Impacted customers will also be sent an email if they have an email on record with us. If youre unsure or have additional questions, you can contact us at XXXX. '' We never received such a letter, so I called the number and was told we were not part of those customers impacted. Based on our situation, I believe this to be false. 

Aqua Finance 's payment system, Pay Near Me, does not list our full history of payments ; instead, it only goes to XX/XX/XXXX. XXXX, XXXX, and XX/XX/XXXX all show higher-than-expected payments processed of {$210.00}, {$320.00}, and {$440.00} -- when the regular monthly payment was set at {$100.00}. We were not aware of these higher payments. 

My credit score has been impacted by the length of time this balance has taken to pay out, which includes a lapse in payments I was not aware of. 

Aqua Finance has already been exposed for shady practices, and they continue to try taking advantage of a misleading agreement.
Consumer complaint received 2024-08-21
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. (NJ)

This evening, I discovered unauthorized inquiries on my credit report, and Im at a loss as to why theyre there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. I urgently request that the documents Ive submitted be thoroughly reviewed so that I can finally have peace of mind.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MI)

XX/XX/year> RE : CEASE AND DESIST DEMAND Dear Jefferson Capital Systems LLC Jefferson Capital Systems LLC : furnished a report in reference to my social security number regarding an alleged debt Jefferson Capital Systems LLC claims is owed on. 
This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXhe consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and this account be REMOVED from all three of consumer reports. 
Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. Webster v. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Buyer sent a check to cover the shipping and sales of goods. Bank statement showed the check pending then eventually cleared. So I processed with the shipping cost which was a wire transfer. After transfer was completed, the bank contacted me stating the check was still pending and did not clear. So check was sent back to the maker. If my statement showed the check still pending, I would have not transferred any funds. I figured if the check was good, everything was legitimate. Funds were transferred to Wells Fargo bank.
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

From XX/XX/year> to today XX/XX/year> I attempted to payoff my off my {$4200.00} loan with advance financial via their website, mobile app, and by calling their customer service numerous times, using my XXXX XXXX XXXX. In every instance Advance Financial would say your DEBIT card is being declined or not being accepted. I would tell them this is not a debit card its my XXXX XXXX and I have contacted XXXX and they have validate the account is in good standing, and the roughly XXXX I am trying to pay advance financials should go through. They are not the ones blocking the transaction. The customer service rep would then tell me " well it must be because you can not pay off a debt with another debt. '' To which I replied that is not true and infact illegal. The means by which I finance my payments are irrelevant, a dollar is a dollar,
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

As my other reports stated my XXXX  was hacked and my debit that is linked to my cashapp account was used to take out money from my bank ( BOA ) totalling to {$XXXX} the money was then sent to another account i have no history or relations with. i called XXXX  to refund the money as soon as i seen it i also never gotten any reports that my account was comprised or a verification to login. I filed a claim with the CFPB against XXXX  and they said they cant help me because they cant verify my identity ive called day and day to get my money returned but only thing XXXX  said was that they couldnt help me and they reported it as a scam they kept directing me to customer support and they never helped
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION (NJ)

Over the weekend of XXXX Fulton Bank took ownership of all XXXX XXXX accounts. All online banking was turned off until Monday, XXXX. As of XXXX, I attempted to log into the new Fulton Bank app to access my accounts, and despite having 2 accounts with XXXX, I am only seeing one with XXXX. 

The missing account is for a registered XXXX and we are constantly supporting our local open-intake animal shelters, requiring regular access to our funds to pay for supplies, food, equipment and most importantly veterinary care. Over the last two days, I am covering these expenses out of pocket as I don't have access to the $ XXXX in the missing account. 

There are so many issues with this transition, their customer service phone lines are at a 5+ hour wait, the individual former XXXX branch locations are totally unable to assist and can only refer to the phone number for customer service. I've been to two seperate locations in person to just be turned away. And I have also been actively posting on Fulton Bank 's social media, all to no avail.
Consumer complaint received 2024-11-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Mobile phone account opened in 2024 sometime with XXXX XXXX and now Collected by Credit Control , LLC. These accounts have resulted in a fraudulent collections account appearing in my name and eventually on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts and collections are to appear on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I took out a loan with sallie mae in XXXX. Sallie mae/Navient continued to put me into forebarrance instead of working with me on a more affordable plan. They charged me fees and told me incorrect information. For years, I was in forebarrance. I then went into default and finally came up with a settlement in XXXX right before their lawsuit. I have been trying to contact them on multiple occaissons so that I can log in and get into my loan information to provide the information on my loan, how long I was in forebearrance, the amount that was paid before my settlement, and the fees that were charged with no luck. I called them in XXXX to see if I would be getting a refund, and they never gave me any information or documents and still to this day, no refund and reporting negatively on my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a non deliverable address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX This fraudulent, inaccurate, and false information consist of auto loan, credit cards, personal loans, car insurance, collections, and hard inquiries. 

Account Name : XXXX, Account # XXXX, Account Balance : {$10000.00} Account Name : XXXX XXXX XXXX Account # XXXX, Account Balance : {$2200.00} Account Name : XXXX, Account # XXXX, Account Balance : {$370.00} Account Name : XXXXXXXX XXXX, Account XXXX XXXX, Account Balance : XXXX Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Balance {$180.00} Hard Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block and delete this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2021-01-14
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. (FL)

Id theft victim. just checked my credit and found this these accounts are not mine XXXX  XXXX XXXX XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WA)

I have had issues with my Venmo account for probably the past two months now thats the my account that I have my direct deposit go to. Im not able to access my funds normally like at all I cant make transfers. Theyve asked me for security of things that you know to verify my identity Ive given them everything possible. I have added my phone for a trusted device. Ive added multiple phone numbers. Ive added a bank account. Ive done everything. Theyve asked me to do and they are holding my money against me they wont let me close my account and they will not release my funds to me, they wont even let me talk to anybody. They wont release any information to me. They will not do anything to help me. Just want my funds. I have a family I need to support and I am not able to do that with him. I overdid my measures with them. Ive been calm. Ive been collected. Ive been relaxed, but now its getting out of hand now its just been too much and I just want this fixed and I want to be compensated for all this and time and this difficulties inconvenience that Im having because Ive done everything that theyve asked me to do but they will not do anything to help me