davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I started having problems with my account. I ended up getting a new card and account and I had the same issue. I went into the branch and requested to close my accounts and they blocked me and they had asked and received my marriage and maiden social security cards, phone bill, my financial aid documents from XXXX from school and copy of date my email address was created, copy of my XXXX drivers license, then they changed my number and said I would receive a code to unblock my account in the mail, the code came Friday and they said it was not the code, and its been a week and no other code has come though they claim that the code I have is not the code. It is becoming depressing with my XXXX and I cant deal with this anymore.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (PA)

On XX/XX/2XXXX XXXX XXXX XXXX XXXX : XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, contacted me regarding an alleged debt. XXXX XXXX, XXXX has been sending monthly statements as supposed evidence of this debt. However, according to the ruling in XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX. XXXX, monthly statements are insufficient evidence of debt. On XX/XX/2023, I, acting as a Private Attorney General, sent a formal debt validation letter XXXX XXXX XXXX XXXX requesting the following documentation to validate the debt : Proof of the original debt, such as the original contract or agreement.Comprehensive documentation showing the transfer and assignment of the debt from the original creditor to XXXX XXXX, XXXX. A detailed account history, including all charges, payments, and fees.The complete name and address of the original creditor. In addition to requesting validation, I issued a cease and desist notice, instructing XXXXXXXX XXXX XXXX to cease all collection activities, including reporting to consumer reporting agencies, until the debt is validated. This is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Moreover, I informed XXXX XXXX, XXXX that any continued attempts to collect an unverified debt would result in legal action. The potential costs of such legal action were itemized as follows : Filing Fees : $ XXXX Fees : $ XXXX Costs : $ XXXX for Emotional Distress : {$10000.00} Punitive Damages : {$15000.00} Total Potential Cost : {$31000.00}. Additionally, I noted that XXXX XXXX, XXXX is fraudulently posing as XXXX XXXX XXXX, further compounding their legal liabilities.I also outlined that any violations of Title 18 U.S.C., Title 42 U.S.C., and the Code of Federal Regulations ( CFR ), specifically relating to fraudulent activities and civil rights violations, would be addressed in forthcoming legal actions if necessary. As of today, XXXX XXXX, XXXX has not provided the requested documentation or ceased their collection activities, including reporting to consumer reporting agencies. This ongoing behavior is in violation of federal laws and has caused undue stress and potential damage to my credit reports. I seek the CFPB 's assistance in compelling XXXXXXXX XXXX XXXX to provide the requested validation of the alleged debt, cease all collection activities until validation is provided, and delete any inaccurate information from my consumer reports. Furthermore, I request that the CFPB take appropriate actions against XXXX XXXX, XXXX for their fraudulent practices and violations of federal laws.
Consumer complaint received 2024-07-11
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: American Credit Acceptance, LLC (IN)

I reached out the company to receive information about my account, but the company has no account existing with my personal information. I don't recognize this lender and I don't remember authorizing them to us my credit report. Please remove all of these unauthorized inquiries from my credit report immediately from XXXX, XXXX, and XXXX. 

Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2024, my Barclay Credit Card account was {$10000.00}. I made a payment of {$370.00} on XX/XX/2024 and additional payment of {$5000.00} on XX/XX/2024 which reduce my balance down to {$5400.00}. They reported to all three credit bureaus on XX/XX/2024 that the balance was {$10000.00}. This is FRAUD! I contacted Barclay on XX/XX/2024 and spoke with XXXX ( employee number XXXX ) she refused to update the credit bureaus and correct the fraudulent balance they reported. Said I had to wait until XX/XX/2024. For the last 22 days they have been defaming my character with the credit bureaus stating that I have use 94 % of my credit, making my score drop to XXXX. This is wrong and outrageous what this company does. The blantant fraud they commit and blatantly refuse to correct this error. They must be investigated for their abuse and fraud.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/2019 I accidentally flew my card in the cargo bin of an airplane to XXXX XXXX from XXXX, oklahoma. The baggage handlers in XXXX found it and told me it was safe. 

On XX/XX/2019 a purchase of {$190.00} was made via my credit card for XXXX XXXX, and another purchase was made of {$21.00} for XXXX XXXX. There was also an attempt to purchase gas and {$400.00} from XXXX. 


On XX/XX/2019 I called XXXX and asked the supervisor to search my wallet, and he confirmed my credit card to be missing.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (CA)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (GA)

Cash app is refusing consumers thier referal bonus as advertised. I have referred many new customers to cash app and when asking cash app about my referal bo us they say my referee didn't qualify without any explanation or perfomerd due diligence
Consumer complaint received 2024-07-02
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (OH)

I have two refunds that Payfare made fake transactions for and are refusing to remove the fake transactions from my account On XX/XX/XXXX I stayed at XXXX XXXXXXXX XXXX, they charge a {$50.00} deposit and {$80.00} a night, total after taxes is XXXX. The next day XXXX XXXX refunded me {$46.00} out of {$50.00} of my deposit and Payfare created a duplicate purchase transaction for the exact same {$46.00} that has stayed pending for weeks. XXXX XXXX has confirmed the refund is 100 % complete on their side and this transaction Payfare created is fraudulent. 

Also on XX/XX/XXXX I returned a battery charger to XXXX for {$53.00}, Payfare also created a duplicate purchase that I has been pending since the XXXX for {$53.00}. XXXX corporate and customer service desk locally have confirmed the refund is 100 % complete on their side and this transaction Payfare created is fraudulent. 


Payfare has been informed, and refuses to fix the transactions and has stolen {$99.00} from me. I suggest they fix it because I will start targeting their employees if they do not
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

The incident have been on XX/XX/year>, And Ive already lodged the formal complaint with the FDIC. As mentioned earlier, I sent money on cash app, which is a digital wallet, service as well as a money transfer company. In their policy that they would help you resolve any accidental transactions. However, in violation of federal law, and FDIC policy, XXXX XXXX  XXXX XXXX And their subsidiary company, Cash App Inc, continue to claim that, despite it being explicitly stated in their policy on their website, there is nothing they are willing to do to help get my money back from where it was sent incorrectly, and continued to lie to me while falsely claiming that federal law doesnt require them to return such fraudulent transfers, despite this being contradicted in their company policy, let alone state and federal legislation which both seem to concur that they need to return the money within XXXX business days. If they are lying to their shareholders and customers, XXXX XXXX  XXXX and its subsidiaries are fraudulently stating they are not a financial institution bound by federal legislation, that alone is just one major federal crime they committed in the name of profitability. Simply put, XXXX XXXX  XXXX XXXX could care less if consumers were protected at all
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

My credit file has been impacted by incorrect information that has been reported regarding multiple late payments. In XX/XX/year> I requested information from the company regarding the misinformation and did not receive a response. I also disputed with the credit bureau and online and no action was taken.
Consumer complaint received 2024-07-10
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)

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

These accounts keep popping back up on my credit after they have been deleted, dispute dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I received several phone calls from Phoenix Financial Services claiming that I had an outstanding debt from XXXX XXXX XXXX in XXXX XXXX. The stated service was provided to me on XX/XX/year>. While I do believe that I visited this medical provider during the stated time, I never received a bill from any entity regarding the visit. Furthermore, I was in the XXXX at the time and had medical coverage through XXXX. I have had this company call me several times attempting to collect a debt for a service that was provided several years ago and was seemingly resolved or covered through XXXX. Phoenix Financial did not provide any proof of the debt, nor did they advise me of my right to refute or dispute the claim. They only continued to pressure me to pay the debt over the phone. This looks and smells like fraud. They mentioned that if I paid it, they wouldn't have to report it to the credit bureaus. This seems like a strong arm tactic, and a way to leverage a possible negative outcome to coerce individuals to pay a questionable, or non-existent debt. Please let me know what steps I need to take to prevent this " company '' from calling in the future or doing the same to other honest hardworking Americans. Thank you for any guidance/assistance you may provide regarding this.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

I have a brokerage account with XXXX XXXX and I was scammed. I was advised that my account would close on XX/XX/XXXX with wells fargo due to XXXX XXXX advising that the wires was unauthorized. The money from the wires are no longer in my account and I have my savings also money from my business account an my payroll check. I have not had access to this money since XX/XX/XXXX I was advised the account would close and I would be sent a cashier check on XXXX. Today XX/XX/XXXX I received a email stating that my account would not close until XX/XX/XXXX. I have no access to my payroll check or my savings. I am now being evicted due to not being able to pay my bills.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

Hi, on XX/XX/year>, I deposited a cashier check in the amount of {$2400.00} at Chase bank branch XXXX XXXX XXXX XXXX, XXXX PA XXXX. I specifically asked the teller who helped me deposit the check whether it is a good check. She confirmed that cashier check is always good. I was relieved since it was a check from XXXX buyer for my dinning furniture.It turned out to be a bad cashier check. On XX/XX/year>, the buyer cancelled the transaction, so I refunded the buyer with one XXXX payment of {$450.00} and one XXXX XXXX of {$950.00}. Then I grew suspicious and refused to refund the rest of the payment. I called Chase customer service, the rep said the sever is down and they cant reverse the payment. I went to the branch, the manager said this happened to everyone. XXXX and XXXX are not part of Chase. They cant do anything about it. I called the XXXX and XXXX number that the manager gave to me. The rep is either too busy or said the server is down. For the XXXX transaction, I did not even type in the correct phone number and it still went through and cant be reversed. I was very disappointed and frustrated, Chase didnt really care the customer at all.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

my XXXX  card has been compromised ( fraud/ transactions ) and each and every time ( at least XXXX cards issued since XXXX XXXX, 2023 ) I was give a generic speech about a 45 day process just to investigate. By the time of the so-called investigation another scam of fraud has commenced. Please HELP ME!
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I had identify theft where someone used my debit card and created fraudulent charges. Wells Fargo refuses to issue credit and rebilled my account for fraudulent charges. I have filed identity theft reports with the police, FTC, all ( 3 ) credit bureaus. I am also in the process of filing a civil lawsuit against Wells Fargo. I demand they credit my account in full!
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

on XX/XX/scrub> XXXX XXXX I use the moneygram online payments system for the transfer of {$1200.00} to my account in XXXX XXXX pais. 
my money still stranded in moneygram account, they promise to delivered the money in 4 days, money until now still has not been process.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (ME)

On XX/XX/year>, a caller identifying themselves as Goldman Sachs Apple Card hacked into my Goldman Sachs Apple Card digital card on my phone. I thought I had hung up in time, as the caller then called back 21 times to continue the call. The number is XXXX. 

I was then fraudulently charged for four purchases at the Apple Store online for 3 XXXX  purchases at {$540.00} each and an unknown purchase of {$36.00}, on that same date, XX/XX/year>. 

I filed a dispute with Goldman Sachs on that same date, XX/XX/year>, for the four charges, which they reversed temporarily as they investigated. 

On XX/XX/year>, Goldman Sachs removed the charges from my account for the {$36.00}, stating, " Goldman Sachs Bank USA has investigated your transaction dispute, and concluded the merchant charge ( s ) will be removed from your account. '' On XX/XX/year>. regarding the charges of the {$540.00} x XXXX, Goldman Sachs stated, " Goldman Sachs Bank USA has investigated your billing dispute, and concluded the merchant charge ( s ) will remain on your account for the following reason : The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase. '' I then called Goldman Sachs, and they provided that same reason verbally. On XX/XX/year>, I filed a second dispute after receiving a paper bill in the mail for the {$1600.00}. 

Other cards of mine, including debit and visa were also fraudulently charged on and after XX/XX/year>, and all charges reversed. 

Thank you so much for any help you can offer. 

Best, XXXX XXXX.
Consumer complaint received 2024-07-04
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. (PA)

i disputed inquires to all the crdit buarurs and XXXX  deleted all inqiures on my report that was fraud and XXXX  deleted all the same, and i filed this frooaud on XXXX but experian will not delete or reove the fraud inqures and is the only agency with the issue on my report
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aqua Finance, Inc. (NC)

On XX/XX/year> received in the mail notice I needed to pay an installment on loan that I did not take from lender Aqua Finance , Inc. XXXX XXXX. XXXX WI XXXX
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Whenever I try to add my Comenity Mastercard to XXXX XXXX, I get an error message that states " Card Not Added. Contact your card issuer for more information. '' I contacted Comenity Bank several times on XX/XX/year> and several times on XX/XX/year>, and they were not able to help me add my card to XXXX XXXX.
Consumer complaint received 2024-07-02
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc. (TX)

I was looking to use cash appXXXX XXXX XXXX offer. When going to cash app to apply the offer, I click the offer and it says shop where activate would have been! AS I TRIED TO TELL THEIR REPRESENTATIVES, this exact process would happen with XXXX offers where you go to apply the offer and it redirects you to the actual app that the offer will be applied to! 

Well it redirected me to XXXX app with shop Cash app reps will not speak to this! They keep saying I wasnt supposed to have another offer active.. I didnt! They say I was supposed to activate it before purchasing- I did! They wont say anything else just disconnect!
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I bought Bedroom from XXXX XXXX XXXX through XXXX  i have XXXX credit card with Synchrony Bank credit with this Bank {$1500.00} Every Month minimum payment {$64.00} Payment Due Date every month of Date XXXX Auto pay set up from my checking Account. 
First payment was XX/XX/year> But i did not get on time Account details or credit card from Bank. 
2. unnecessary late fee charging. every month. 
called Bank Representative they can not refund me.