davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

At XXXX in XX/XX/year> I picked up my phone and saw I had a prompt from cash app asking if I recognized a XXXX $ charge that was being made to my account. I immediately responded that it wasnt my charge and the charge was declined. After I marked the activity as suspicious I started going through the process of card replacement and as I was filling out that info, XXXX again tried to charge my account for the same {$42.00} that I had just flagged as not approved and they let it clear my account and refuse to refund the money as it was their fault. I had already flagged the charge. Then I I have been disputing it ever since and when I ask for documentation that proves I approved the charge all I get is a simple generic receipt saying the date, the time, transaction number, and the vendor. Thats not documentation of proof of anything. I never used the services I was charged for and never wanted them in the first place.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and the completeness of the information is hereby requested to be provided within ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated responce or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

I have made {$60000.00} additional principle payments for the past 1.5 years. Freedom mortgage is not applying the payments to my principle as they are made. They apply them to my regular monthly mortgage payment ( which I already make in addition to the principle payments ). So they will have my monthly mortgage payments paid for months at a time instead of applying it to the principle as requested. I have spent hours on the phone trying to get them to apply the payments to my principle. Eventually they applied them to the principle however they never applied it on the dates they were made. They apply them months after. I requested and received payment history information on my mortgage and the problem has not been fixed. I have spent hours on the phone and have spoken with supervisors and have gotten no where. I am still waiting for a supervisor to call me and that was days ago and I have even called back since and have not received any help.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CO)

I submitted an application with Caliber Home Loans ( working with XXXX XXXX and XXXX XXXX ), and was locked into a mortgage at 4.625 %. I 'm buying a condo as an investment property, and they failed to even think about checking the percentage of owner occupied units in the condo complex until a week before I was to close.
On Mon. afternoon ( XX/XX/XXXX ) they dropped the absolute bombshell that I could n't be offered the loan at 4.625 % any longer because the percentage of rentals in that complex was too high ( at 61 % ). So, they moved me into another 'program ' they have ... at a whopping 7 3/4 %!
They should have done this research in the very beginning because I can assure you, I would n't have gone forward with their mortgage. But, to completely pull the rug out from under me within a week of closing ( XX/XX/XXXX ) is absolutely unforgivable ... and ought to be criminal if it 's not. They should have to live with the rate they locked me into!
Sincerely, XXXX XXXX ( XXXX )
Consumer complaint received 2022-12-19
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. (MD)

I recognize your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 from 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  DC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX
Consumer complaint received 2019-07-31
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: Experian Information Solutions Inc. (MO)

XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NV)

The following correspondence was sent to Early Warning Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX XX/XX/XXXX. XXXX Early Warning Services Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ. XXXX RE : REINVESTIGATION OF PROFILE Upon Reviewing my consumer disclosure file I discovered inaccuracies that require updateing. In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
# XXXX # XXXX # XXXX # XXXX # XXXX Also Accounts * ( all Inquirer Names and Dates from XX/XX/XXXX to XX/XX/XXXX ) This list of above accounts 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 : also states ; a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which anteaters the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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. 
Upon reinvestigating and finding of fact please remove and delete all accounts listed above immediately Thank You XXXX XXXX XXXX
Consumer complaint received 2022-05-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have contacted chex systems before to get them to remove adverse information on my credit report and I have contacted them in writing and on the phone and to no avail they have refused to remove the information or at least give me the details of the derogatory info so I may correct it. I want my information with Chex Systems either deleted or removed due to lack of supporting info or documentation and zero response from their customer service department. Thank you.
Consumer complaint received 2022-05-29
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: JPMORGAN CHASE & CO. (AL)

In according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a joint bank account with my wife, and we received authorized Unemployment benefit for my sister in law and authorized by her. The Bank has flagged suspected fraud and closed the account and never return the money us. We have visited few times to the branches and they have called to bank security department and promised us they money will be refunded soon with cashier check.

Later i have called many time to speak with bank security department to release this money, they also promised that the money will be refunded with cashier check.

after six month, we didn't received the money than we called again, finally they said they will not return this money because of third party payment. and I have explained them she is my sister in law living with us at same address, she authorized us to take her money into this account, if you want I can send her authorized letter to bank. but they said, let finished the investigation than we will release this money. 

But I was continually contacting with bank but no result or hope. Finally I was very upset than we try to open another account with bank but they denied also they have blocked open account with any other banks. 

I have provided and disputed many times with third-party documents but no favor comes to us and never refunded this money nor allowed to open an account. 

Finally, reporting this issue with CFPB to help us get this fund back and allows us open bank account.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RANGE CREDIT BUREAU INC (MN)

On XX/XX/XXXX, Provider billed an incorrect ( higher level ) exam code then what was performed in the office which is insurance fraud. I tried REPEATEDLY to give them a chance to correct the code. Every time I called ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was told that the provider had not gotten a chance to review and correct the code yet but that they were working on it and would send the corrected code to insurance and then get back to me. After a year of me calling and them never following up except for sending me the same incorrect bill every month with no other explanation, they sent a letter saying we would be sent to collections. I called AGAIN and was told not to worry about it, we dont send patients under age XXXX to collections. I asked her to email me saying that since up until this point no one had followed through on anything that was said. A copy of that email is attached below although in the email she changed the verbiage from do not send to shouldnt send. 
Now, almost a year later, after not correcting the code or calling me back, they DID send it to collections.
Consumer complaint received 2022-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.
Consumer complaint received 2022-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX  XXXX XXXX XXXX XXXX XXXX 4. ) Contract Callers # XXXX 5. ) XXXX XXXX # XXXX XXXX 6. ) XXXX XXXX XXXX # XXXX 7. ) XXXX XXXX XXXX  XXXX # XXXX 8. ) XXXX XXXX XXXX  # XXXX 9. ) XXXX  XXXX # XXXX 10. ) XXXX XXXX  # XXXX 11. ) XXXX XXXX XXXX XXXX # XXXX 12. ) XXXX XXXX XXXX # XXXX 13. ) XXXX XXXX # XXXX 14. ) XXXX XXXX XXXX # XXXX 15. ) XXXX XXXX XXXX # XXXX 16. ) XXXX XXXX. # XXXX17. ) XXXX XXXX XXXX # XXXX have violated my rights. 1

5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction.. Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this wi
th the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. ) XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX 3. ) XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. ) XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XXXX XX/XX/XXXX 15. ) XXXX XXXX XXXX  XX/XX/XXXX 16. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 17. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 18. ) XXXX XXXX XX/XX/XXXX,. XXXX 19. ) XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (KY)

They're was a negative balance from 2021 XXXX XXXX  card Due to false charges that could not be resolved I overdrafted XXXX to recover the over XXXX charges I got a control NetSpend card I was assured that this card would not be affected by the XXXX  XXXX card XXXX was transferred to the card by social security I withdrew XXXX from card and made a XXXX purchase at XXXX and XXXX purchase from XXXX XXXX attempted to reverse the charge Which would of left a balance of XXXX Four days of them telling me they would contact all access And have them remove my Previous debt I attempted to contact XXXX  XXXX  no number worked not on card not online They wanted me to give them a additional XXXX on top of the money they had taken They also told me that they would send me a check in the mail but do not offer to send it with a tracking number n I do not believe that they would send it Today I asked for the XXXX  XXXX number to get them to remove the block they informed me they were the people I would talk to concerning the block I'm facing XXXX  XX/XX/XXXX and stand to loosing everything I own due to they're actions I can not wait for ten working days to receive my check I have attempted to speak to social security and control supervisor I have all this on audio
Consumer complaint received 2022-05-29
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. (MN)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; N/A? Account # 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 is also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recognize your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 from 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 DC XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX
Consumer complaint received 2020-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of identity theft and breach of information. Information from Capital One appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase Business Checking mess -- caused by " back office mistake ''. 

Just spent two hours on the line with 5 different chase representatives. 

They've explained to me that they accidentally closed my business checking account and the payment I have been waiting 3 months for has been returned. 

Now not only do I appear incompetent in asking the client to reissue the payment, but i've wasted my entire day over this situation. Chase was supposed to stop the payment return when they reinstated my account. 

On top of that, I made overdue payments to XXXX XXXX [ and others ] that are now all being returned as " insufficient funds ''. This has locked my XXXX XXXX account and caused a domino effect of other payments. 

I request, no -- demand resolution -- Chase needs to : 1. ) take ownership for this mistake 2. ) fix the issue with XXXX XXXX -- this is your fault, not mine -- any fees or penalties are chase 's to correct 3. ) get the ACH returned by contacting the issuing financial institution XXXX XXXX XXXX XXXX XXXX XXXX XXXX