davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

For XXXX weeks Ive been unable to access my buisness account online with XXXX. Ive been on vacation for XXXX weeks and upon my return from my trip I wanted to resolve the issue. I called the number directed on the website. Initially I spoke with a security specialist and she verified my info and then she said a second security group with Chase bank needs to handle this issue so I was transferred. I again verified my info and I was told my account was under review and was hung up on without any further opportunity to discuss the issue.
Consumer complaint received 2024-06-03
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (VA)

I set up a personal account with Cash App who changed my personal account to a business without closing my personal account. in order to collect fees. Now my account is deleted and I can not get my money out. I have not been able to talk to anyone about it, and AI have not been able to resolve the issue. I was baited into opening a personal account and my account was switched to a business account.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continue to report the account listed as XXXX XXXX Account # XXXX & XXXX XXXX XXXX Account # XXXX incorrectly. They are reporting the account as charged off when thats not correct. Each consumer agency stated they verified the information but provided no proof that they did verify it : since we could not come to terms with this information I initiated arbitration and this is notice they the filing fee needs to be paid and turn over any evidence that proves that this account is indeed charged off and a collection. I know it can not since the negotiable instrument used during this transaction is a security being traded in the primary and secondary markets. Furthermore the bank never loans money but processes securities. The consumer agency is also in cohorts with the creditors because they sell consumer information for a profit and by their own SEC filings it states the report are securitized this is why they refuse to remove the information even though they know its incorrect because I can not have a collection for an account that is also raising capital.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I tried to close my business savings account and was told on the phone that they cant I would have to go to a branch and make an appointment with a business banker. This is extremely inconvenient and makes me want to close all my accounts with them as they wont do the simplest request over the phone. Now I am being charged fees because I had a {$0.00} balance in preparation to close my account.
Consumer complaint received 2024-07-21
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. (MS)

XXXX  Block Request : Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely,
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

Subject : Urgent Dispute Settlement Request for Unauthorized Transactions To Whom It May Concern, I am writing to formally dispute all transactions on my Cash App account due to unauthorized activity and potential fraud. My identity was stolen back in 2020, and I have recently discovered several transactions on my Cash App account that I did not authorize. 

I am very panicked about this situation and would appreciate your prompt attention to resolve it. I did not give consent for any of the activities currently reflected on my account, and I believe my account has been compromised. Attached are screenshots of the unauthorized transactions for your reference. 

Unauthorized Transactions : Withdrawal of {$25.00} to XXXXXXXX XXXX  on XX/XX/XXXX Multiple withdrawals to XXXX XXXX XXXX XXXX XXXX stock transactions and Bitcoin sales Please consider this email as an official request to investigate and reverse all unauthorized transactions on my account. I would also like to request that you secure my account to prevent further unauthorized access and guide me on the necessary steps to ensure my accounts safety. 

Thank you for your understanding and assistance in resolving this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohls has obtained my nonpublic information as result of material misrepresentation, fraud, and identity theft pursuant to 1682a ( q ) ( 3 ) and Georgiana Penal Code O.C.G.A. 16-9-129 thru 16-9-127.

Kohls fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Biliey-Act ( 15 USC 6802 )
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I had called to close an account because of the annual fee. I cant afford it anymore. When I called I was transfer to an specialist to explain the benefits of the product, even thou I have used it for years, I told them that I wanted to close it because of the fee, they insisted that I keep it open, I also had points I never used and didnt want to loose ( that did not explain that I had a time frame to redeem it ). I called again in XXXX for the second time to cancel it and I was told that the fee cant not be refunded because of 30 day grace period. I was not verbally provided this information when I called clearly to cancel and shared concern about the fee. I tried for hardship, relationship, and no one could grant a XXXX XXXX fee return for a product that I wont be using. It is an Amex gold card membership
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have provided my photo ID along with the other required documents. XXXX kindly request that you block this information from my credit report within XXXX 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 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (FL)

I, XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence Americredit Financial XXXX  Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice. Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. I am sending this letter as the sender, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. Thank you for your prompt attention to this matter. I anticipate a swift resolution. Sincerely, XXXX XXXX.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC (NV)

As per the guidance from the 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 XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block 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 are required per the Law. I have provided all needed documentation as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX ). 
The following accounts need to be deleted and blocked XXXX XXXX XXXX account # XXXX amount : {$6900.00} XXXXXXXX XXXX XXXX Account # XXXX amount : {$1300.00}
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (FL)

I have contacted Paypall before - no response.

Paypall is asking me for my sign-in information and password to my bank account. I refuse to do this. Today it wouldn't let me make a payment without me giving this private information. 
Paypall adds other credit card information to my account. Today I was asked if I wanted to update another credit card because it had expired. I said no but WHY IS PAYPALL GOING INTO MY CREDIT? 
Paypall has screwed up my information so badly that now I am being denied credit. I have an exceptionally good credit card rating. There is absolutely no reason for me to be turned down from XXXX transfers, from XXXX to refuse to take payment from XXXX XXXX. i DON'T KNOW WHAT THEY ARE DOING BUT IT IS WRONG. 
When I call Paypall, the people say they aren't Paypall, they are synchrony bank.

Pappall has shifted two payments from them to another credit card. I can send this. I never authorized this. 
Please stop them. They have screwed up my credit big time. They have no business with any of my other credit cards. 
What is happening is that they are connected to all my credit and if they put on a hold BECAUSE THEY THINK THERE WAS FRAUD, THEN ALL MY OTHER CREDIT CARDS ARE MESSED UP AUTOMATICALLY.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (GA)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MO)

I made a payment on XX/XX/2024. The payment was in the amount of {$2100.00} and initially the payment was processed. However, XXXX days later, on the XXXX of XXXXXXXX XXXX the payment was gone from my account and there was no record of it on the EdFinancial Website. The money has been taken from my bank account but there is no record of the transaction taking place. I reached out to the company and they did not respond to me.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc. (TX)

I had a cashapp account and someone stole my phone and got access to it which had my social linked to it and for some reason I'm unable to access into that account and I'm unable to make a new cashapp account not sure why I've asked cashapp support they said it was some issue with my social being used and I don't want anyone else being able to use my social and identity at all
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kovo (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

XXXX XXXX XX/XX/XXXX {$190.00} KOVO INC  XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (OK)

Hi, My complaint is with CareCredit. I was under the impression that I had XXXX XXXX interest for the first XXXX years if I paid my monthly minimums on the due date. I have paid consistently on time and sometimes more than the minimum. I did not know what the interest rate would be after that time limit. I was too happy that they allowed me credit to get my eyes fixed so I trusted the company. I noticed with time that I was being charged interest and assumed maybe I didn't understand so I let it pass. Until I saw my statement for XXXX with an accrued interest of {$850.00} on my balance of {$1000.00}. I talked to a representative and she said that was what had accrued because I did not pay in full the balance. I did some research and discovered that the company was charging more than XXXX XXXX interest rate. I dont know what the original interest rate was that they charged me because they wont give me the XXXX-year statements. If there can be anything done to reduce that interest rate, I would really appreciate it. Thank you for your help. XXXX XXXX
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (PA)

Hello i lost my my wallet with my credit card around XXXX XXXX XXXX, 2024, and i had a series of unauthorized money transfers from my card to a robinhood account totaling {$8200.00} dollars. I opened up a dispute with my XXXX XXXX card and got a replacement card. After many days of investigation and me calling multiple times they closed my dispute and said that i made this purchases when i did not. I will need my refund of XXXX XXXX because i did not make these transfers. Please i need my money back thank you
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (PA)

I just received their response dated XX/XX/2024 ( apparently lost in the mailing ) as to my complaint filed XXXX XXXXXXXX. Wellsfargo was not telling the truth when they stated in this letter that the contractor did not have to break into my security door to make entrance, they broke the door open forcing my secure still storm door that need a key to enter. Wellsfargo lied saying they reached out to me about property vacancy, instead Wellsfargo constantly put notices on my home door, didn't secure nothing, left food wrappings trying to force out through XXXX and XXXX with my neighbors. I've stated to wellsfargo i been at my home that i love and plan to stay in my home that i lived in for 18 years. ( 2 ) on page 2/3 in Wellsfargo response here, they state they respectfully decline my request to see my Original loan documentations, basically saying that, my request seek documentation beyond what is " directly related " to the servicing of my mortgage loan, this response by Wellsfargo, gives me the XXXX XXXX in their written response. My discrimination concerns were lied about, Wellsfargo has admitted to discrimination by paying miserly dollar amounts to thousands of mortgage loan consumers as myself, not admitting but logic facts concluded in their willingness to pay money out in compensation. My credit scores in comparison to others with same was effected by my zip code of the property during my purchase time I now know was in relationship and XXXX of my XXXX  I have a right to see in my Original Loan documents at a wellsfargo service Location, i don't agree with these lies in the letter i just reviewed.