davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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: TD BANK US HOLDING COMPANY (IL)

I was informed on XX/XX/year> that an XXXX XXXX  subscription, that I did not want to renew, was set to renew. So I went in, logged into the account, cancelled the auto renew, and informed them that I did not wish to renew via email, and got no response from them via email. The next day, I called them, and they said the renewal already went through and therefore I could not cancel a subscription I did not want or need. I had used my Target Red Card at the time for this transaction. So I put in a dispute with Target and explained the situation. They did not solve my dispute, sent mail to my mail box that would arrive the same exact day they wanted the mail to be returned by to proceed with the dispute, and generally did not seem very keen on wanting to help me with my dispute the way that XXXX XXXX has always managed to when I had issues with a merchant. I got a denial letter of my dispute from Target Card Services saying incorrectly that I tried to cancel on XX/XX/XXXX, when in reality I cancelled XX/XX/XXXX. Additionally, my credit card charge for XXXX XXXX had been in the pending stage when I had first attempted to dispute the charge, meaning I did attempt to cancel the subscription before it was even an official charge on my statement, and XXXX XXXX cited a policy that counts on Americans forgetting about their subscriptions and being charged for them. I did not intend to use American Greetings this year, and I would like some resolution because both companies have failed me. Even if CFPB can not help solve this issue, at least I tried.
Consumer complaint received 2024-07-28
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: JPMORGAN CHASE & CO. (GA)

There are a few requests that i never requested and when I reached out no one got back to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (NY)

There is a XXXX  account that was opened in my name that I never applied for. It is now in collections. I have had the sane phone number sense I came here to the XXXX under my brother in laws name. Please help me remove this as I tried to reach out to the collection agency as well, but it has not been resolved yet. The amount is over {$3000.00}
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

This has been an ongoing problem. Today XXXX is a good example. If you call your mortgage payment in there is a {$15.00} processing fee to take your payment. If you pay online or by an automated system there are fees for this as well. Today I paid {$5.00} for the automated system. Last payment by phone, this payment was waived, today it could not be waived. I am told they " Do what the screen says ''. This is in NO CONTRACT with them whatsoever. Why am I paying for them to take my money when my payment information is on file with them, they just confirm the draft? 

Next my statement says I owe {$500.00} in late fees, ( perhaps true, I don't ever pay them. ) and in excess of {$310.00}. of OTHER FEES AND CHARGES. This is not on any statement of a breakdown of what I owe,
Consumer complaint received 2024-06-10
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: GOLDMAN SACHS BANK USA (NY)

I didnt make the purchase and there are 3 charges on my account. I contact Apple Card support so many times they always promise will help but never done anything. My case keep reopen and closed. Then reopen and closed again for 2 years. I kept calling agent but same thing. And they laughed at me when I call for looking for help. The 3 transactions amount and date : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX. Please help
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CT)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have tried to obtain credit from two different banks which have both provided adverse action letters stating that a security freeze is blocking my request. 

With that said, the lenders both referenced Experian for the credit score, which would indicated Experian is providing erroneous information as I DO NOT have a block on my account. 

I did place a security freeze after an issue in XXXX, but that has expired as of XX/XX/XXXX. I also personally removed that freeze and nothing shows on my account. 

The issue resides in the fact that Experian will NOT TAKE A PHONE CALL. At this time, my credit is locked, and the agency causing the issue will not take action because " they can not place me with a representative at this time '' ( per their automated system ). I have tried to call three times today, same response. I have also contacted the CFBP today and was given a number for Experian that was not the same in form, but landed me with the same automated system responses.
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cashapp was hacked and hacker got my information 6 times stole out of accounts stole from XXXX XXXX  and XXXX XXXX XXXXXXXX i have sent multiple emails to cash app and they refuse to refund my money XXXX XXXX XXXX XXXX XXXX i am so XXXX off i bust my XXXX  for my paycheck.
Consumer complaint received 2023-08-17
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (GA)

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by icmarkets.bid which involved me making deposits for a total amount of XXXX XXXX  from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX Capital One placed an unauthorized inaccurate hard inquiry on my XXXX credit report. 

This inaccurate, unauthorized hard inquiry has already been marked as fraudulent by Capital One. On XX/XX/XXXX I spoke to ( XXXX # XXXX ) & ( XXXX XXXX Account representative. ) Capital One XXXX XXXX XXXX # 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: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (PA)

XX/XX/XXXX I disputed this account XX/XX/XXXX ( XXXX ) XX/XX/XXXX I received notification of XXXX XXXX XXXX on my report which leads me to believe my account was not investigated properly. I am asking for the account to be removed from all 3 credit bureaus if not able to Validate this account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification Dear Sir/Madam, I am writing to request Method of Verification ( MOV ) regarding a disputed item on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive information on the method used to verify the accuracy or completeness of the disputed item. 

The details of the disputed item are as follows : Creditor Name : Complete Credit Solution Account Number : XXXX Date of Dispute : XX/XX/2024 Description of Disputed Item : Purchasing Power / complete credit solution I have recently received a response to my dispute, but I am requesting clarification on the method used to verify the accuracy of the information. Specifically, I would like to know : XXXX. The specific procedures followed by the credit bureau to verify the accuracy of the disputed information. 
XXXX. The names and contact information of any sources contacted during the verification process. 
XXXX. Any documentation or evidence relied upon during the verification process. 

Please provide this information within the timeframe specified by the FCRA, typically 15 days from the receipt of this letter. Additionally, I request that any negative reporting related to this disputed item be suspended until the requested information is provided. 

Thank you for your attention to this matter. Please communicate with me in writing to the address listed above. 

Sincerely, [ Your Name ] -- - Remember to fill in the placeholders with your specific information and details related to the disputed item on your credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

According to IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. Capital one account number XXXX and XXXX. After checking my most current report, the updated information stated the account was purchase by XXXX, XXXX, PA -this account can not be reported as charge off on my credit report the account was sold to another lender. Please send me the 1099-C form.
Consumer complaint received 2022-06-25
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: Block, Inc. (SC)

Im filing a complaint against the company because I noticed a unauthorized charge of {$350.00} made on my account at XXXX on XX/XX/22 I contacted cash app about the unauthorized charge soon as I noticed it back in XXXX. They constantly ignore me and refuse to refund me for the unauthorized charge that was made on my account and Im very upset {$350.00} was stolen from me and the company doesnt even care and refuses to refund me for the unauthorized charge. I would like to sue the company if Im not able to get my refund for the unauthorized charge.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MT)

Ive already submitted XXXX complaints about this ( the latest one being XXXX ), and theyre still charging me fees incorrectly. Im getting sick of this. Reimbursing the fee isnt not enough anymore. Something more needs to happen! How many other people are they stealing the {$5.00} fee from?
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (MD)

My card was stolen and I reported it and a atm withdrawal was made and the company refused to refund my money when they were aware of the stolen card and the fraudulent transactions that were made on the card. The company closed my account and made it way more difficult to get my money back
Consumer complaint received 2024-08-09
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. (SC)

I hope this message finds you well. I am writing to formally request the removal of several unauthorized items from my credit report. Upon reviewing my report, I identified multiple entries that I do not recognize or authorize. These inaccuracies are causing me significant concern and have negatively affected my credit standing.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

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.

15 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 2024-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

A month ago, I was suddenly told by chase that my account was closed and the balance would be sent to me by check, but now I have not received any check. I called chase today and was told that my money was regarded as fraud and I would never get it back. But my money is my own. XXXX also transferred money from a friend to me. This money is very important to me, without this money I can not support the rest of my life.its unfair that I cant get my balance back!
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (OH)

I have repeatedly requested in writing that XXXX remove the below inquiries from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX & XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Based on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting XXXX XXXX accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary. 

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement. 

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures. 

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and XXXX these transactions from my consumer report within 4 days.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CO)

Citibank Accelerated Savings Account : I am trying to access my money in my Citibank XXXX XXXX account - I want to withdraw the money and close the account.They locked my account due to " inactivity '' and will not allow me to close, withdraw or transfer any of my money w/o going through a lengthy onerous process of re-activating/unlocking my account XXXX drive to nearest branch ( I live in XXXX  - nearest Branch is in XXXX XXXX XXXX XXXX send them a notarized letter ( closest Notary is XXXX miles & charges a Notary fee ) via snail mail and wait ...... 
Locking my savings account due to inactivity WAS NOT disclosed under the Terms of opening a savings account - I specifically inquired about this prior to opening the account.I have a copy of the original Terms of the account upon opening. There is no language referring to " locking '' an account due to inactivity. It is my understanding that what they are doing ( encumbering my ability to access my money ) w/o full disclosure is illegal. I seek redress. 

Please advise.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company has committed fraud. As a natural person, consumer and original creditor, they have broken the law, violated a multitude of federally protected rights against a federally protected consumer and on my behalf ruined my reputation. They have violated15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ), 15 USC 1692d ( 1 ), 15 USC 1681 and many more. I recently yesterday contacted and sent the company means to help themselves after committing fraud.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (TX)

I have paid the remainder of this spring oaks capital account, it is a collection on all three of my reports. They told me once it was paid, they would send receipts and delete it off my credit reports. They have not done this, I need this off ASAP as I am trying to purchase a home and this collection needs to be taken off as the representative told me it would be. Please have them send out to all XXXX credit bureaus and delete it. Thank you
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I am writing to formally dispute the accuracy of the information reported by USAA to the credit reporting agencies regarding an alleged charge-off on consumer report. After reviewing my credit report, I discovered that this information is both inaccurate and misleading, constituting a violation of the Fair Credit Reporting Act ( FCRA ). I am attaching my request for an official review and deletion of this deragotory trade line from my credit.