davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX of XXXX  I made a utility payment in the amount of {XXXX} in an error and overpaid my utility for my XXXX  XXXX XXXX XXXX bill. The bill due had already been paid. I overpaid in the amount of XXXX}. Once I realize that I contacted the bank on XX/XX/year> the bill pay representative contacted the California water service company that I overpaid the amount and verified that it was in fact an overpayment. XXXX XXXX XXXX  advised the bill pay representative that they would be refunding the money, the same way it was paid by electronic bill pay. The Bank of America customer service representative documented that information from XXXX XXXX XXXX in an email and forward it to me. Several weeks had gone by and I recontacted Bank of America and they said they didnt get the transfer for the refund. I then contacted California water service company and they indicated they had in fact documentation of the refund being sent back to Bank of America on XX/XX/year>. I contacted Bank of America and they advised they did receive the refund. However, they were not going to put the funds back into my account because they were doing an investigation to see if in fact it was my rightful money coming back to me. They had already confirmed this by contacting the XXXX  XXXX XXXX XXXX on their own several times however they are refusing to give me my money back theyre withholding the {XXXX} that I overpaid the XXXX  XXXX XXXX my utility. In fact, they even went as far as saying, the only way that they would process a temporary credit in the amount of {XXXX  was if I was overdrawn, which doesnt make sense to me. which in essence theyre saying that I would have to have a XXXX balance or go into a negative overdraft and a crew a fee before they would give me the money which is rightfully mine to begin with {XXXX 

Bank of America is unlawfully withholding, my electronic refund that has been several times verified that it is in fact a refund from an overpayment that had already been sent back to the bank, the same way it was paid out. I believe theyre violating my fourth amendment rights due to an unlawful XXXX or withholding money that is legally and rightfully mine. I am a retired, law-enforcement officer, and in no way have I ever heard of any banking institution withholding money that is rightfully consumers. I feel they are fraud, the consumers so that they can hold onto money and a crew interest on their end. 

Bank of America needs to be audited for this reason. Surely I can not be the only one that they are doing this to this is an unfair business practice and quite honestly extremely unethical.
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc. (GA)

On XX/XX/XXXX I was approved for a 100 % discount on my XXXX hospital account ( s ). This approval was based on the 6 months long processing of my application after I submitted all required information, all of which was factual and accurate. 

On XX/XX/XXXX XXXX demanded that I begin the financial assistance program anew, thereby voiding my previously approved 100 % discount despite not having any legal justification to demand such since I already provided complete and accurate information upon which the 100 % discount was based. 

On XX/XX/XXXX State Collection Services , inc. claimed that I have unpaid debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I promptly disputed this false claim. 

On XX/XX/XXXX State Collection Services , inc. acknowledged my dispute and attempted to validate a debt which I don't owe. As they will place said debt on my credit profile I'm forced to take action to remedy this grievous error.
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc. (TN)

THE COMPANY APPROVED A LOAN FOR {$1200.00} AND CREDITED {$1100.00}. IT FURTHER STATED THAT IT WOULD COLLECT {$2100.00} IN XXXX WEEKS. I HAVE NEVER SPOKEN TO ANY PERSON THAT WORKS FOR GIGGLE FINANCE, NEITHER DID I CONSENT TO THIS EXORBITANT FEE. THEY HAVE REFUSED TO ANSWER THEIR CALL AND HAVE CONTINUED TO COLLECT FUNDS DIRECTLY FROM MY ACCOUNT. THIS COMPANY IS EXACTLY WHY THE BUREAU WAS SET UP. I DID NOT SIGN AN AGREEMENT WITH THIS COMPANY. AS OF XXXX 2024 WHEN THE COMPANY SAID THAT THEY WOULD START DRAFTING FUNDS OUT OF MY ACCOUNT, I WAS NOT THEIR CUSTOMER.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and my family date the acct was open XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have spoken with them many times on the phone over the years trying to get information on the account but I never received anything. I started learning about credit and the consumers that buy our debt and the laws and rules they have to abide by the company. Has ignored my request for information to be mailed to my residence, so I wrote them a letter asking them to update my information such as wrong addresses that they have on my credit report. Its been close to two months since the letter has been sent out I have not heard anything back. 

The incorrect addresses that are non mailable XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted significant documentation to show inaccurate/complete information on my credit report. I have provided each account to point out the inaccuracies and they still remain on all 3 credit reports with inaccurate information. This is my seventh attempt to have accounts reporting falsely to be removed from my credit report. I have AGAIN attached my documentation along with FCRA 611 15 U.S.C 1681I.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.
Consumer complaint received 2024-02-04
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: EQUIFAX, INC. (TX)

Please see the attached Equifax data breach claim and FTC report and remove the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I had CashApp account for my friends to send money to me easily. I didn't even know it existed at first! Then money was disappearing out of account on regular basis because someone was purchasing XXXX in my name!! I didn't know what it was at first. I couldn't get help for almost 2yrs. from CashApp FRAUD DEPT at ALL!! THEY BLEW ME OFF NEVER REFUNDED A XXXX TO ME! SO I DELETED DATA & UNINSTALLED APP. I had done so much research on this CashApp & found out that they are fraudulent company period. It was opened so criminals could XXXX XXXX internationally & steal money from customers with integrity & they let these criminal organizations know right off the bat that they would NEVER CALL IN AUTHORITIES ON THEM!! SO THE AGREEMENT ON THE TABLE WAS TOO GOOD TO PASS UP FOR CRIMINALS*
Consumer complaint received 2024-02-04
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

PLEASE CHECK ATTACHMENTS BELOW
Consumer complaint received 2024-05-31
Product: Credit 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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was a victim of an identity theft ring. In XXXX, I reached out to Fifth Third Bank about charges made on my credit card as a result of late payment. I wasn't able to resolve this issue with Fifth Third and was instructed by legal aid to wait until the case that was taken of by the Department of Justice finalize before continuing to contact bank. 
To prevent any further damages done, I paid off the card. I have provided, various times, evidence of identity theft to the company and in return they have sent back letters stating that the account and the card ( in which I do not and never had any possession of ) is valid. 
I am not asking to validate the account but I am asking for the late payments as a result of unauthorized charges be removed and account be reopened
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

Did a mobile deposit into Citibank account and they considered it a third-party check because my name was not on the account at the time Citibank said just needed to go to a branch with my ID and they would release the funds and that funds were never released. Its been almost a year now Check for {$1900.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I called Truist on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  and spoke to customer service and advised them payments were being reported late negatively affecting my credit report.

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with Truist XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with Truist customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

Truist is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (OH)

I don't know The dates or amounts of each charge but this is in my credit report. 
Discover, XXXX  XXXX are destroying my credit. Every charge. I am trying to resolve this identity theft issue and no one will help me
Consumer complaint received 2024-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Since XXXX XXXX I was charged by XXXXXXXX XXXX XXXXXXXX to 3 different cards two of the cards were from XXXX and the other card was from Capital One. I submitted a dispute a long time ago and after too many calls to XXXX and Capital One, I was finally going to get the money ( so I thought ) and its now basically XXXX of XXXX and I still havent gotten the money back. By the way its {$360.00} and some change. I just Capital One to ask whats going and why I havent received the money back and they said that since this is taking too long they want to proceed with the dispute anymore. And they kept asking for the same information I already resubmitted a few times ( bank statements from both banks with the transactions and dates ) and I also tried to get the money back from the merchant but it looks like no one wants to do their job. And its not {$5.00} Im disputing. And that money I was using it to rent a vehicle to make money with driving it for XXXX. Anyways. Thats a brief summary of what happen. And Im so stressed out and frustrated. And my doctors recommendation is for me to do yoga, meditate ; and keep my levels of stress as low as possible due a XXXX XXXX  and this isnt helping. So I dont know what else to do to get the money back. And Im poor and just lost my job and I need this money. So the complaint is against Capital One and XXXXXXXX XXXX XXXX. Thanks in advance for your help.
Consumer complaint received 2024-02-01
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. (TX)

On XX/XX/2023, I called Chase member services. Told them I had fraudulent charges, they transferred me to the fraud department. Fraud department told me I had to call XXXX and provided me their number. I called XXXX, verified the charges were fraudulent. Spoke to Chase, they couldn't remove the charges, I went back and forth with them. Asked for total balances on both accounts. Paid both in full and requested for accounts to be closed. I was told they were. I received emails and letters stating my account was past due... but I closed my account??? Called Chase, spent over an hour on the phone to tell them any charges on my account were fraudulent, was transferred 5 times, spoke to two different people in the fraud department. They told me the account was closed in XXXX, I assume from non payment even though I didn't authorize any charges. They would waive the late fees, fraud department is flagging the other charges. My question is, if I requested for my account to be closed and I was told it was on the date above, why did Chase authorize other charges? In addition, you have negatively impacted my credit score. I want that fixed ASAP. Listen to the recordings. I've requested this account to be closed several TIMES, I've also reported fraud charges well before the above date mentioned.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MD)

I am currently dealing with an incident with XXXX XXXX XXXX and Wise, XXXX XXXX XXXX 

In the first week of XXXX, I went to the XXXX, MD XXXX XXXX branch on XX/XX/2024 requesting to send an international wire of {$19000.00} to recipient XXXX XXXX XXXX. I went to the branch in-person so I could feel safe and confident that my wire transfer would be submitted successfully with the help of a branch employee. The branch employee who assisted me did not explain that he was going to use WISE, a third party company to complete the wire transfer. He never received for my consent if I wanted to use a third-party company like WISE to complete my transfer. Without my consent, the employee opened a WISE account on my behalf, created WISE login credentials and completed the transfer through WISE, not XXXX XXXXXXXX. I went to the branch hoping to make the transfer with an employee in-person to feel more secure in send a large wire transfer. The large wire transfer was completed through WISE without my consent. I went to the branch a week afterward as the beneficiary stated she still hadn't received the funds. I realized that the unauthorized WISE transfer that was completed without my consent used the incorrect account number. That is why the beneficiary had never received it. The XXXX XXXX employee continued referring me to contact WISE since XXXX XXXX XXXX stated " it wasn't done through us ''. I was upset because my understanding was that it was done securely through XXXX XXXX XXXX  and not a third party company. I have tried multiple times communicating with WISE customer support and XXXX XXXX in-branch employees and have been unsuccessful with any help. I have tried to recall the wire and asked WISE to please return the funds back to me but they are not able to assist and WISE does not give us any answers as to why the wire transfer has not been received. I just want a return on his wire transfer but they are saying they can not refund the money. I went to the XXXX XXXX branch XXXX weeks ago to submit the dispute through XXXX XXXX but the claims department can not assist. 
I am looking for assistance to recall the wire and would like get help getting the money back because of the XXXX XXXX branch employee creating and opening a WISE account on my behalf without my consent.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am submitting to follow up on my previous communication with the Consumer Financial Protection Bureau, dated XX/XX/XXXX, concerning the presence of fraudulent entries inaccurately reflected on my credit reports. Despite initiating dispute proceedings with the credit bureaus, the problem persists, and I continue to identify the following fraudulent items : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. Despite having submitted disputes and supporting documentation to the credit bureaus, the inaccuracies persist on my credit reports. Enclosed are the documents serving as evidence of the fraudulent nature of these items.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for the XXXX XXXX card today XX/XX/2024 from Capital One. My first application did not go through since my credit bureaus were frozen. I didnt receive any timely communication from Capital One regarding the freeze so I unfroze my bureaus and applied again. My application was declined because they said I had my first application pending. I called to re-submit the first application and then that one was also denied saying the reason for the declination was that I had submitted a second application. Both declination letters offered no actual reason why I was declined the card aside from each mentioning the other letter. I tried calling and had no success with anyone taking the time to properly review my application and ultimately was declined and received no help due to a technical issue, not on the merit of my credit score. Its complete XXXX and I do feel discriminated against since I was not provided ANY decision criteria based on my credit history alone. They advised me to try again in a few days which is also an incorrect procedure since a rep told me that any applications received within 6 months of each other would immediately get declined. All I want is a formal decision based my credit history which is EXEMPLARY since I have never been late on a single payment.
Consumer complaint received 2023-10-12
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)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2024-01-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this message finds you well. I recently discovered late payments on my mortgage account ( XXXX XXXX ) during a credit report review. I have consistently made on-time payments, and it seems there may be an error in reporting.