davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I dont trust putting my banking information in certain websites so I looked into cashapp as alternative way to transfer my money in from my bank and make purchases online. XXXX website/app that Ive been making purchases from my cashapp account is called XXXX. Its not an ordinary buy item site/app. Its like a raffle site for items or the race ducks. So lets say you see a {$1000.00} XXXX card and you dont want to fork over {$1000.00}. The seller on the site will add spots or ducks in his store and the race takes place whenever it sells out. Over the last XXXX months Ive bought into many different items which have yet to take place. Totaling over XXXX XXXX dollars. Recently I received an email out of the blue the stated my account with this company Ive been paying with cashapp has deleted my account. Every purchase order Ive made with them up to this date was gone. I lost access to my account completely. I attempted to contact this company multiple times but got nowhere. I got nothing I bought into and I got no refunds. These races havent taken place but over the months Ive made friends with many of the sellers on the platform who have all told me my orders have vanished. After several failed attempts to get my money back from them I turned to cashapp. I disputed some of the charges but didnt go back more than XXXX  days. There were many transactions upward of XXXX that I disputed with cashapp because I never received a refund nor did they uphold there part of the bargain as my account and orders were all deleted. I waited a day and received an email from cashapp that said my account had been deactivated and I quite manual review of your dispute and account information has confirmed that this dispute was fraudulent or false. As a result, we have concluded that your disputed transaction amount was authorized and that no error occurred. You can reach out to XXXX for the documents we relied on to make this determination at any time. EVERY DISPUTE WAS DENIED!! So I reached out to cashapp on the phone and they were rude and didnt give me any details. Ive got proof that each purchase was definitely authorized by me but the company failed to provide me with anything in return. They scammed me and cashapp scammed me too by not charging back and helping to get my funds that were stolen from me. Not only are they rude but they are no help to their customers who have valid reasons for reaching out to them. Im considering having my attorney take this on due to cashapp falsifying details and closing my account for no reason other than being lazy and not wanting to do their job. Cashapp thinks they can do and say whatever they want to say to customers without being held accountable. No one governs them. They need to be governed by an agency who takes these things seriously.
Consumer complaint received 2024-08-10
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (KS)

The XXXX XXXX card blicked my old card from them on XX/XX/XXXX the upon calling the same day they shut the card off due to fraud then stated a new card was expedited and should arrive in XXXX business day by XX/XX/XXXX Still no card then I called and they said wait a couple more days so I did and by Friday XX/XX/XXXX I called and asked about the card they said it was delivered I stated no it was not I gave them my address and all my information they looked and it went to an out of state address so basically all my government benefit was stolen and spent I get {$XXXX} a month they went through transactions and I stated none of those are mine they closed the card and are now working on a claim to refund my money to my new card But that doesn't help me my bills are overdue now my rent is due the XXXX of every month I'm a week over due on that and have had to reach out for help for me and my daughter least to say something needs done with Direct Express I've seen they have XXXX accounts now too that are fake and others are relying on that to get help and are loosing there money too I did not fall for that though.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-08-15
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. (CA)

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 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NJ)

Request for Security Freeze on Credit Report Dear Sir/Maam : 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 Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New Jersey 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 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

WE HAVE REQUESTED A COPY OF THE ORIGINAL SALES CONTRACT CONTAINING MY WET SIGNATURE AND A COPY OF THE EXTENDED WARRANTY FOR SANTANDER XXXX XXXX XXXX. WE HAVE REQUESTED IT TWICW AND HEVE NOT RECEIVE ANY INFORMATION.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

I used my Southwest Rapid Rewards Plus Credit Card ( a Chase XXXX card ) at a music festival on XX/XX/XXXX. On XX/XX/XXXX I saw on the Chase.com website that there was an unauthorized charge on my card. The charge was listed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$71.00}. I immediately reported it as fraudulent and received an email from Chase telling me they were investigating, and on my next statement I confirmed that they had refunded me that amount. In XXXX I was diagnosed with XXXX XXXX and I spent the next few months focusing on that, so I didn't notice that Chase put the charge back on my card at the end of XX/XX/XXXX. I also didn't notice because they did not email me or send a letter via regular mail to notify me of this. On XX/XX/XXXX I was reviewing my statements and became aware of this. I called Chase that same day and was told by someone in the department that made the decision that they decided I was responsible for the charge because I had " handed ( my ) card to a merchant. '' I explained that I had handed my card twice to a different merchant ( listed on my statement as " & XXXX & XXXX ( BAR ) XXXX CA '' ) but NOT to the merchant that charged me {$71.00}. They told me that the charge had been made using XXXX and that I should contact XXXX to get a refund from them. I contacted XXXX and, after many minutes looking, the rep could not find the transaction at all, and they told me to reach out to Chase again. 
On XX/XX/XXXX I went on the Chase site to find out if the Southwest card had Auto Rental coverage benefits and I found that, lo and behold!, they list " XXXX Liability Protection '' ( " You won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card '' ) as one of the benefits of my particular card. I called Chase ( using the number listed for Benefits questions ) and the rep insisted that Zero Liability Protection is NOT one of the benefits offered by my card. I explained that the site clearly had the last 4 digits of my card number at the top of the page, and the statement " Ilse, your Southwest Rapid Rewards Plus Credit Card comes with great benefits that will help you get closer to your next trip. '' He asked me what site I was looking at and I told him " Chaseloyalty.chase.com, '' but, while acknowledging that it was the correct site, he insisted that I must be looking at a different site and not the one for my specific card. 
I told him that they have to honor the benefits that they list on their website but he refused and told me to " feel free '' to report them to the Attorney General. 
I want Chase to honor what they have displayed on the site mentioned above ( I have screenshots and a video ) and to refund my card the {$71.00} charge I didn't authorize.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I attempted to use my rewards points for a hotel stay and every time I booked, I would automatically get a cancellation email saying the request could not be processed. I tried multiple times on different dates and would receive the same email. After the reservation would get cancelled, the rate would go up a couple XXXX dollars. I called customer service and they said they would not honor the rate originally provided and said they could not help me. Ultimately, I was unable to use my rewards points and had to book my stay on another site. Their XXXX platform makes it impossible for a customer to redeem their rewards.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (TX)

On XX/XX/XXXX, two online transactions at XXXX ( {$100.00} for dog food and {$190.00} for body scrub respectively ) were posted to my Charles Schwab Bank checking account. I contacted Schwab Bank to notify them that I had no knowledge of these charges, and that they were not authorized by neither my wife, nor me. 

I issued a provisional credit pending investigation and was told that the charges would be investigated. I was completely secure in my knowledge that the resolution would be in my favor since my last purchase on this site was XX/XX/XXXX. However, I did not realize that my card information had been stored on the site when I made that purchase. 

On XX/XX/XXXX, Charles Schwab Bank withdrew the provisional credit based on information they received from XXXX on the order. XXXX claimed that my XXXX daughter placed the order and that it was delivered to our home address on XX/XX/XXXX. Not only has my daughter never order anything from this site, she is not an authorized user of our cards for this account. Furthermore, there is no evidence, other than XXXX claiming it as so, that these items were delivered to our home. And even if they had been, they were not ordered by anyone in my household. 

My take on this experience is that the victims of this type of fraud have to prove the unprovable -- that this purchase was made under fraudulent circumstances. 

I want Charles Schwab Bank to refund the total amount {$300.00} that rightfully belongs to my wife and me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (IN)

I have a charge off from Santander consumer USA on my credit report that is 5 years old. XXXX in my state for auto loan is 4 years. I was sued by a debt collector and decided to settle and pay a lump sum for this to go away and continue to grow my credit. I reached out to Santander to remove from my credit as it was paid and they told me to contact my debt collector. The debt collector is not reporting on my credit only Santander. They said Santander HAS to be the one to remove this from my credit reports. Santander says they cant as they cant pull up any info on me using my social security number. It appears I do not even have any account with them. I want this off my credit as I paid it with a cashiers check.
Consumer complaint received 2024-05-16
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (AR)

Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to XXXX XXXX XXXX XXXX, and to contact them at XXXX. Ive never received any notices from either XXXX nor XXXX XXXX XXXX XXXX about any accounts nor do I recognize this account. This account does not belong to me.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (AZ)

I mailed a letter of rescission to the dealer on XX/XX/XXXX and then submitted a claim to Arizona Attorney General Consumer Complaint to XXXX XXXX XXXX and JP Morgan Chase Bank on XX/XX/XXXX and XX/XX/XXXX after no response via mail. I was mislead about my auto loan and the application my down payment. I put {$15000.00} down on a {$29000.00} XXXX XXXX XXXX XXXX and my loan repayment amount is {$23000.00}. {$7000.00} of my down payment went towards the car which I was not informed that it would be applied any different. I was informed this amount would get my payment in the low {$400.00} range. I was misinformed on my down payment and the loan on my car and I consider this fraud. I sent letter to dealer and bank and the dealer is not trying to refund my money or rescind the loan. The dealer is trying to state that I am outside the 30 day window and which they have to agree, however the letter I sent was within the 30 day window which they are not confirming.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (CA)

We have been making monthly payment since my mother passed away which Rocket mortgage has cashed. However, they continue to send notices of default and not recognize that the account is in good standing. Additionally, they refuse to provide information on the loan even though we had our attorney fill out the appropriate documents.
Consumer complaint received 2024-06-11
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: U.S. BANCORP (TX)

On XX/XX/XXXX, I signed a cattle contract with XXXX where I purchased a steer for {$2000.00} and XXXX would provide {$2300.00} by month XXXX. It is now past XX/XX/XXXX. I did not receive {$2300.00} per the contract. I believe this was a XXXX  scheme scam.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

I have contacted this company several times through certified mail asking for valid proof of ownership of account with a signed contract with this company. This company has failed to send the contract but statements, which is not the same yet has not removed from 2 of my credit reports ( XXXX and XXXX ). Pursuant to 18 USC 8, I owe no debt, THis company is violating my consumer right to privacy pursuant to 15 USC 1682 1b. This company has no permission to report ANYTHING using my information pursuant to 15 USC 1681.4.
Consumer complaint received 2024-06-11
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: JPMORGAN CHASE & CO. (NY)

I have reached out to chase 3 times about a dispute of the transaction on my account. While I was reassured that the issue would be resolved in my favor and while I received a letter confirming the resolution, my account was not credited. 
The issue is as follows : I purchased a yearly professional electronic records system subscription ( XXXX XXXX ) on XX/XX/XXXX. The electronic health records system was purchased by another company and it promised a prorated refund as XXXX  was to stop access to my account on XX/XX/XXXX. While my account was credited for {$950.00} in XXXX by XXXX, the credit was then reversed by the company ( in the same amount, my credit card was charged by them and the transaction was marked as reversal ). I reached out to Chase and have all supporting documentation to support the dispute of the initial ( XXXX ) transaction and receive a prorated refund. I in fact received a letter from chase stating that the XXXX transaction dispute was credited but it really wasn't. Chase representative today told me that staff saw the XXXX  transaction and this led them to believe that this was the credit ( this is clearly not what I communicated to chase on two occasions prior to calling today ). The charges are as above : XX/XX/XXXX - charged by XXXX {$1400.00} for a 12 month transaction XX/XX/XXXX - XXXX  refund {$950.00} ( I think it posted on XX/XX/XXXX ) XX/XX/XXXX - XXXX charge  {$950.00} ( I think it posted on XX/XX/XXXX and is marked as reversal ) XX/XX/XXXX - I called chase and explained the situation, they saw the charges and acknowledged that this is a concern and that a dispute will be started, they also told me to call in the morning to speak to the dispute XXXX XX/XX/XXXX - I spoke to dispute specialist and they told me I am likely to win the dispute XX/XX/XXXX - Chase sent me letter saying they won the dispute and that the amount would be credited to my account. 
XX/XX/XXXX - No credit on my account All I am ultimately asking for is that XXXX return {$950.00} due to them not being able to provide the services starting on XX/XX/XXXX after selling me a XXXX  month subscription. Chase have not been able to resolve this for me despite their reassurance