davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Vendor : Barclaycard US / jetBlue credit card Date : XX/XX/2024 Description of incident : Barclay offers automatic payments, which I had set up in my account. However, their system is set up such that if you make a manual payment, it will override the automatic payment infrastructure, inclusive of sometimes turning off the autopay without telling the user. There is no documentation around manual payments to flag to the user that this will happen. 
This has now happened to me twice, resulting in late fees and interest. Barclay has been willing to take the late fees off, but they're saying that I still have to pay the interest given that it's still my responsibility to make sure that the payment is landingeven though I would have no way of knowing that that the autopay had fallen off of the account. 

The customer rep who I spoke with says she receives calls about this all the time. She expressed that she really wishes the company would fix the feature, as it causes this issue constantly. Today I made the payment and then recreated the autopay. She told me I can't do that, because it would cancel the autopay again! So I had to make the payment today, then I'm supposed to wait until that payment clears before setting autopay back up. And then be very careful about any future manual payments, using some kind of hidden from view method. 

While the customer service representative framed this as a type of bug or system limitation, I can't help but think it's actually intentional. It's a way for them to capture late fees and interest. It's deceptive through and through.
Consumer complaint received 2024-06-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (MD)

A payment was made to the company Service Financial Inc.however since XXXX they have been sending recorded messages that they have not received payment. Then forwarded to them a screenshot from the bank that shows date paid and date of withdrawal from my account. Yet no one knows where the payment is from this company
Consumer complaint received 2024-06-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (GA)

I purchased a {$500.00} vanilla visa gift card which is serviced by incomm financial services, I used the gift card at XXXX to purchase some items. Soon after I had to return the items because I had no use for them anymore, and now incomm has frozen the gift card and is now requesting information that I no longer have access to in order to unfreeze gift card, they want original gift card receipt purchase, they also wants receipt of items I purchased and the receipt issued when I returned said items. Which I no longer have because I never in my wildest dreams thought this would happen. This must be a scam by them to pocket money!
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have sent certified letters to XXXX, Equifax, and XXXX that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company XXXX  is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to XXXX and communicated with XXXX via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in 2020. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.
Consumer complaint received 2024-04-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express Reward Card via email with a value of {$15.00}. From tthere I clicked the link to start using the card : XXXX XXXX XXXX. This shows a balance of {$15.00}. I attempt to use the card on XXXX. The transaction is declined. I tried again with various other amounts less than the full face value. Many people have reported having this problem.
Consumer complaint received 2024-06-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2017, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) : In this case, the plaintiff alleged that XXXX XXXX XXXX violated the FCRA by failing to properly investigate and respond to the plaintiff 's dispute regarding inaccurate information on their credit report. The court granted the plaintiff 's motion for partial summary judgment, finding that XXXX XXXX XXXX had violated the FCRA.
Consumer complaint received 2024-05-03
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: Veripro Solutions Inc. (IL)

On XXXX XXXX XXXX XXXX XXXX and XXXX XXXX purchased a home at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXOur loan was and XX/XX/XXXX with maybe {$1500.00} as a down payment. The second mortgage has an interest rate of XXXX XXXX. XXXX XXXX moved out in XXXX and did not continue to pay anything towards the mortgage. As I was unable to continue to keep up with the second mortgage and since my home was underwater I was advised that I could file a XXXX XXXX to pay off approximately XXXX XXXX  of my mortgage. Because of financial reasons I fell behind in my XXXX  payments. My case was dismissed on XX/XX/XXXX. Shortly after I started to get phone calls from Veripro Solutions stating I owed {$68000.00}. I had no idea who they were. A few months later I found that XXXX XXXX and XXXX transferred my second mortgage to a collection company that is a subsidary of I the pandemic that if I could come up with a large lump sum they would decrease the amount I was owed. It has also been discussed that if I made XXXX months of payments I could also be helped but informed them I could not afford the {$520.00} a month. Now that my home is worth value I am afraid they will attempt to foreclose nor will they lower my interest rate in which I had no idea was accumulating. I have no idea how to fix this.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I am writing to you regarding this debt with XXXX associated with my name. I am a member of the XXXX XXXX XXXX XXXX XXXX  I have recently become aware that this debt is appearing on my credit file from Schools First Credit Union, which does not belong to me I have not by any chance, obtain or utilize any services or goods pertaining to this debt. I am here by demanding immediate deletion of this fraudulent Debt thats reported to my credit profile of in accurate information USC section 15 reporting to my credit profile it it is a defamation of inaccurate, information
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXPlease remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Date opened is not accurate across all credit bureau High Credit is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-06-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

In an attempt to trick and deceive the ConsumerFinancial Protection Bureau, Cash App COPIED AND PASTED their last response to close out the complaint. Cash App failed to respond to this complaint regarding the dispute of Fraud. To further their lack of integrity, They COPIED AND PASTED their last response that included an explanation of an ERROR that never took place instead of addressing the FRAUD complaint. A lawsuit will be filed if they fail to investigate fraud. Complaints with CFPB will also continue until Cash App is investigated by the FTC for their actions in assisting with FRAUD. I reported FRAUD to Cash App on multiple occasions. Cashapp recently submitted a response to CFPB on XX/XX/XXXX that contained false information. Cashapp stated they investigated the dispute and concluded that no error occurred. However, as you see from the attachments, they never conducted a dispute. Cashapp attached a form that included a portion of the card number used to commit fraud and stated no error occurred. Cashapp has not once contacted the MERCHANT they claimed removed the funds from the account. In this email attached you can clearly see XXXX stating : Although our investigation determined that no error occurred, we may still be able to dispute your claim directly with the merchant. If you would like to open a new claim with additional information for the investigation, you may create a new case using that by following these steps to initiate the process in-app : Once these steps were completed and a request was made for the dispute to be filed with the MERCHANT, they closed the case. Cashapp has continuously lied to the CFPB about this dispute. Not once did they attempt to contact the MERCHANT about fraud. They claim to have investigated the " error ''. Someone stealing money is NOT an " error ''. They do not have a clue. They do not know how to conduct a FRAUD investigation. I have attached the paperwork from Cash App regarding the dispute I filed. They are calling these forms proof that no error occurred. The forms indicate nothing but the card number that was used in the transaction NOT that the charge was authorized. THEY ARE WELL AWARE that the MERCHANT does NOT exist. The only other plausible conclusion that I can think of is that they have stolen my money and created a fake merchant name. There is no other reason why they would fail to complete the dispute directly with the merchant. There is no logical or legal way that Cashapp can investigate a FRAUD related dispute without reaching out to the MERCHANT. I believe they are lying and stealing money.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars XXXX our account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX our partner XXXX XXXX XXXX XXXX ) XXXX the Bank of New York Mellon XXXX It was a payment for buying of XXXX 
Amount : {$10000.00} UETR : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
If this payment is also at your compliance procedures, we ask you to finish it as soon as possible. From our side we are ready to provide all necessary documents. 
If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. 
Thanks in advance. 
Best regards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MO)

LVNV FUNDING LLC ACCT : XXXX Amount : {$530.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MO)

LVNV FUNDING LLC ACCT : XXXX Amount : {$570.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MO)

LVNV funding LLC Acct : 6507 This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have XXXX  days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Capio Partners, LLC (NJ)

I took my daughter to the hospital towards the end of 2022. We did the visit and went back home. The bill was paid in full within weeks. A debt collector Capio Partners has taken me to collections. I disputed. XXXX XXXX seems to go along with Carpio Partners without doing the investigations as claimed!
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

I have no knowledge of this company. 

They reported to the XXXX credit that I had a delinquent account. I have not received anything in the mail from this company known as Medical Data Service. They claimed that they sent me information via mail but could not provide me with any tracking information. They then claimed they sent me a text which I did not get. When I asked them to provide me proof that any of this information had been sent they refused to provide me with proof. I spoke to the supervisor XXXX XXXX that stated all of this information. XXXX also said that they " are a XXXX known as Medical Review Services '' This company is trying to scam me to get them to pay them when they are not even the orginal company that owned this dept. First is was XXXX XXXX XXXX, then it was Sent to XXXX and now it has been sent to Medical Data Service DBA Medical Review Services. They are the third dept collector to try and get this dept settle from 2023. They have not provided me with proof of this dept they claimed they did but they do not have a tracking number or anything. They have reported this to my credit without giving me the opportunity to validate this dept.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

XXXX is the reference number for previous dispute. 
Money was fraudulently taken out of my Cash App account. Cash App denied my claim. Thanks to you some of my funds were returned. However I requested the name on the fraudulent card and have yet to receive the information. 
Also... There are other unauthorized withdrawals from this same account that Cash app has yet to address.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I tried to withdrawal XXXX out of my account through automated teller and the machine wasn't working, so I went to bank teller to get XXXX and did receive. On bank statement it shows that I received XXXX withdrawals of XXXX, so I put in a claim XXXX times because they gave it back twice and took it back twice. Now they are telling me I have XXXX many claims and they are closing/closed my account and sent payments back out of my account for my XXXXXXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a Consumer I have the right to a fair and accurate credit report. 15 USC 1681e ( b ) ensures that CRA 'S follow reasonable procedures to ensure maximum possible accuracy of the info being furnished about me. I have late payments on my latest report that are not being reported to the maximum possible accuracy. 15 USC 1666b ( a ) ensures that late payments be reported using reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting proof in the form of documentation from CRA 's that shows Santander Consumer used reasonable procedures from 15 USC 1666b ( a ) and that CRA 's used reasonable procedures from 15 USC 1681e ( b ) to ensure the info was accurate before posting it to my report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

I work XXXX XXXX  and been there 14 years XXXX XXXX. While I was gone fulfilling my contract somebody has stole my identity none of the accounts on all three bureaus that earned in the negative not paid or really hurting my score they're not mine I wasn't even in the United States. I discussed with legal assistance and they have told me to disclose this is the last time I asked personally to please remove the stuff on all three of my bureaus that are negative. I've had no negative payments no loans that went bad no repossessions or problems with a rental property.