davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

I opened an account online, then funded the account with cash in person at a local branch. I then made a mobile check deposit, and was notified that deposit was on hold for XXXX days. I attempted to use my debit card for the first time, and it was declined. The amount was approximately 2 % of my initial cash deposit. I reached out to customer service, who informed me my entire account is on hold, to include the initial cash deposit. They will not inform me as to the reason for the hold, and the best advice they could give was to follow up later. They make no guarantees as to when the investigation will be complete, nor when any of my funds will be available.

I went in to a local branch, which did nothing more than have the same conversation by phone with customer service, and repeat that information back to me. I find it unacceptable that they can deposit cash funds, make no claim as to those bills being counterfeit, yet refuse my ability to withdraw those funds. This is simply theft. I was never notified of the account hold by any means, and their mobile app still shows my initial cash deposit as available funds when they are not. They refuse to close my account.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America on XX/XX/2023 sent me an email with my email and other crucial information stating I tried opening an account. Two people are involved in this. My email and my mother, witch are linked in several cases for I am her caregiver in stage XXXX XXXX in the the state of Michigan. I get this email AFTER the news report comes out of Bank of America doing this and the CFPB fining them. Saturday XX/XX/2023 at XXXX. 

I freak out because of my inaccuracies in Florida and other stolen identies. They are impossible to get a hold of. By phone, by fm, by email.
Consumer complaint received 2024-05-16
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 (TX)

I noticed a couple of tough inquiries from Capital One on my credit report. They offer another service called Credit Wise, which allows you to monitor your credit score. Someone signed up using my Social Security Number, and there is a phone number associated with it that I am not familiar with. When I contacted the bank, they informed me that there is no other number linked to my account besides my own.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-16
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 was given four American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " Use at U.S. merchants that accept American Express Cards. '' I have tried multiple ways to use them for both online & in person purchases from companies that accept Am Ex, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at Am Ex is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. Am Ex is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (FL)

There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX. XX/XX/2021 XXXX {$1000.00} XX/XX/2021 XXXX {$1000.00} XXXX. I know the transaction was unauthorized because I was told by the scam customer service rep that I needed to provide my cash app handle to verify my account with cash app. They said I needed to call XXXX to protect my account. Then I started receiving request they said verify it and it would secure me cash app and then they hung up and never answered again. Then I contacted cash app support and reported a scam immediately. 
XXXX. XXXX XXXX California, the fake cash representative was located in XXXX according to phone records. 

XXXX. I provided my cash app handle and account balance XXXX. I instructed to download a trust wallet app by fake cash app representative. Police report attached
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

CITICARDS/ CBNA has charged off account ending # XXXX XXXX XXXX XXXX Charge-off. Write off of a debt and termination of servicing activity without release of liability. XXXX XXXX XXXX states charge offs are reported as income to the principle, and is a cancellation of debt. This account is reporting as a debt when the debt has been written off. 

15 USC 1681 " 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 '' CITI and XXXX have not complied with the opt out requests. 

12 CFR 1016.7 " A consumer XXXX exercise the right to opt out at any time '' I have requested from CITI and XXXX and XXXX to opt out of that reporting nor was I given the proper disclosures to opt out. They are violating my rights by denial of opt out and non disclosure of opt out. 

CITI the financial institution and XXXX and XXXX, any and all consent, XXXX non-verbal or verbal, written or implied or otherwise is revoked.
Consumer complaint received 2024-05-16
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 was given XXXX American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " XXXX at XXXX merchants that accept American Express XXXX. '' I have tried multiple ways to use them for XXXX  online & in person purchases from companies that accept XXXX XXXX, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at XXXX XXXX is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. XXXX XXXX is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.
Consumer complaint received 2024-05-16
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 was given XXXX American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " Use at U.S. merchants that accept American Express Cards. '' I have tried multiple ways to use them for both online & in person purchases from companies that accept Am Ex, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at Am Ex is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. Am Ex is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

In the past two months I have made attempts calling Lowes Credit card to pay my credit card in full. I have not used the online banking until today. I always called the credit card phone number and I have been serviced by representatives ( In the XXXX ) and requested my payoff amount to be surprised later that i still have a balance. The last phone call was around XX/XX/2023 when they assured me that my payment of {$700.00} was the total payoff on my account. However I opened the online banking today ( for the first time since I don't have the time and patience to go online ) to print my statement that should have shown a XXXX balance to find to my surprise that there is a charge still left on my account. This complete ineptitude, or outright ill intent or malpractice on the part of Lowes credit card is costing me a lot because I am applying for a mortgage and I must have a XXXX balance on my account. This is a major problem for me that will cost me to delay my mortgage approval and eventually cost me more since interest rates are going up shortly. 
This is not a way to treat a customer. What are they teaching the representatives, not to provide the real pay off so that they can still rip off customers charging them interest rates?
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I was summons on XXXX with an intent to being sued to pay a balance on a debt collection from Portfolio Recovery Associates , LLC. I called the company on XXXX and asked to speak directly to XXXX XXXX at Portfolio Recovery Associates about this. All information I received was that they were a collection company, and he was the attorney who filed. I spoke with a XXXX, who worked with the dispute department and did open a case on my behalf. 
I filed for XXXX XXXX XXXX XXXX XXXX The summons states that I took out a credit card with XXXX XXXX XXXX XXXX. With that type of XXXX, I can not take out credit cards during my payback to it. Around the date they are claiming I took out the credit card, I was hacked with all my accounts, including social media and bank accounts. I had to delete all profiles and get a new debt card issued due to the hack. I personally thought this issue was resolved and this summons had not been put against of me.
Consumer complaint received 2024-05-16
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 would like Am Ex to issue me a refund of {$100.00} for the card included in this pictureI was given XXXX American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " XXXX at XXXX merchants that accept American Express XXXX. '' I have tried multiple ways to use them for XXXX  online & in person purchases from companies that accept Am Ex, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at Am Ex is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. Am Ex is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

There is an unauthorized transaction on my account from XX/XX/XXXX for {$250.00}. I have reported this transaction to Chime and also contacted the merchant directly. The merchant canceled the transaction and provided proof by email that they did so. I have made several calls to Chime about the funds still not being available in my account. I have spoken to several supervisors and one specifically told me that she canceled the transaction and that the funds would be back in my account within a few hours. This was said on XX/XX/XXXX. The funds were still not back in my account on XX/XX/XXXX, so I called back again. Now Chime acts like it can not be done and that I have to wait for the transaction to settle. They have also repeatedly stated that I have to wait for the merchant to send the funds back, which I know is NOT TRUE because the merchant never got the funds. Chime is the only one holding the money and I dont appreciate them lying and saying whatever they want just to get me off the phone. They are also lying about not being able to release the funds back to my account because it has been done before by another department. It is absolutely something that can be done. They are repeatedly lying or at the very least totally unaware of their capabilities. I need the money back in my account from this unauthorized transaction and I need Chime to stop the lies and rudeness from their SUPERVISORS.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX XXXXXXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.
Consumer complaint received 2023-11-10
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. (GA)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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  Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Student loan Servicer ( XXXX ) has reported a duplication of the same account number. 

XXXX reported this Account to Transunion on XXXX/XXXX/203 with the amount of {$24000.00} and then reported the same account on XX/XX/2023 in the amount of {$24000.00}. 

I have contacted XXXX regarding this matter on several occasions, without any resolution.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NJ)

I have a prepaid card through CashApp. 

Several unauthorized charges have been attempted and today ( XX/XX/XXXX ) 70 unauthorized charges for {$5.00} were approved through CashApp.

The company told me that I needed to reach out to the merchant in order to dispute the charges until they posted.

I have several bank accounts and never have any issues with fraud. However, CashApp seems to be plagued with fraud and security protection issues.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AZ)

I attempted to withdraw my own money from my savings account at XXXXXXXX XXXX XXXX XXXX to my brokerage account on XXXX XXXX. They blocked the withdrawal without letting me know the reason, and it doesn't even show under the 'transfer on their website ' history. They also froze my account, so I am not able to withdraw my money. 

Over the past XXXX days, I called them around XXXX  times to resolve this issue, and have been passed around from XXXX employee to another 'supervisor level '. At the XXXX  and XXXX  call they said that they could not do anything over the phone ( which is all they have, they don't have physical branches or even emails ), because they were not able to verify my identity in their system. At the second or third call, they promised that someone would call me back in XXXX business days to resolve the issue. I was never made aware, nor could anyone provide me with what the issue is/was? I was informed that they could not use my current phone number to verify my identity. Then they asked for 'what state is my Drivers License issued, and when I said XXXX ' XXXX I was told that they aren't able to verify for this State. XXXX is blocking me from accessing my funds, whilst not offering any way to solve an issue ( which I am not even aware exists ).
Consumer complaint received 2024-05-16
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. (NY)

I recently applied for credit and i was denied credit from JPMCB. i Understand its a violation of the FCRA to deny someone credit and not discriminate based on personal information submitted. Pursuant 15 usc 1691c, c-2. a financial institute may not have access to an applicant information and may not discriminate based on that information.The company submitted that information to XXXX  and they furnished that info on my credit report.