davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Credit card or prepaid 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. (AZ)

Chase credit card failed to resolve a valid credit card charge dispute and accepted fraudulent documents to support the vendors credit card charge. Chase was rude and unhelpful, even given that we were facing an extreme medical situation. I was due a credit for a flight on XXXX XXXX ( XXXX to XXXX on XX/XX/XXXX ) that my family and I did not take due to a medical emergency related to COVID 19.  We provided medical documentation in accordance with the carriers cancelation policy, yet the vendor did not respond to our repeated contact attempts. I contacted Chase to to dispute the credit card charge for the flight, and they denied the dispute after the airline falsely claimed that we actually boarded the flight. This is false. We did not take the flight due to a medical emergency certified by our child 's doctor. I have proof that we did not board the flight including our hotel receipts, and six witnesses ( my entire family ). Surely, the airline could determine through video at the airport that we did not take the flight. Nonetheless, they falsely claimed that we boarded the flight. Chase credit cards was complicit in the fraud by accepting the false documents from the vendor and failing to address the invalid charge they applied on my credit card. This type of blatant disregard for credit card customers and failure to address a valid customer fraud complaint is shameful and Chase should be held accountable.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$68.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXXection 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$68.00} -This is not my account.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

I received a suite from Superior Court today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the XXXX  XXXX XXXX by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to Superior Court and I am now getting documents.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (NC)

Every week money is deposited to my cash app account from my job. The perks of cash app was that i could lock my card to prevent transactions from transpiring without my consent. Anytime money is spent using my card, cash app updates the total immediately to deduct the money and sends notifications. The deducted total says pending until the merchant fully accepts the purchase. Lately Ive been ordering things from XXXX using my cash app card randomly Ive been getting notifications that my totals have been updated to different amounts from purchases two or three months ago that was deducted twice in one case three times. I called cash app their excuse was that they had technical issues which is a lie. Every time Ive made purchases my balance is deducted. To be certain I wasnt tripping I searched cash app, stealing money from people on XXXX and XXXX. I found many people having the same issue where money is deducted two or three times from their accounts with no evidence to why. When they reached out to support, they received the same answer as me that there was a technical issue that occurred between XX/XX/XXXX and XXXX XXXX. I did my part in trying to dispute my transactions but i just need my finances back i was charged three times for a transaction on XX/XX/2023 {$210.00} then {$170.00} then {$210.00} every time i was charged the amounts were deducted from my funds in my cash app  account. Then on XXXX XXXX i was charged {$360.00} for a transaction that occurred XXXX XXXX months ago so i was charged twice once when i originally made the purchase and again on XXXX XXXX which was almost my whole check so due to them taking my money i cant get to work or pay my bills. Please not that the screenshot of the XXXX transaction with the tires there was a reward balance taken off the displayed balance i paid the difference which was {$360.00}.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

The company cash app has been taking money off of my account that was registered under the email " XXXX and the phone number ( XXXX ) XXXX. 
On XX/XX/2023, my sister sent me {$75.00}, 12 minutes later Cash App deducted {$40.00} and the deducted {$27.00} then deducted {$7.00}. I then contacted cash app via chat support which is the only way this company has for customers to contact for support, I was told by one of the support persons via chat support that it was taken out for a charge from XXXX that was never settled, on the date of XX/XX/2023 ( {$7.00} ), XX/XX/2023 ( {$27.00} ), and on XX/XX/2023 ( {$40.00} ). 
On XX/XX/2023, my son 's father sent me {$150.00} to buy him items need. cash app also took the money. they took it in increments for what I was told unsettled transactions from XX/XX/2023 ( {$62.00} ), for XX/XX/2023 ( {$31.00} ) and for XX/XX/2023 ( {$53.00} ). I was told again these transactions was unsettled from XXXX once again via cash app support via chat. 
I then reached out to XXXX for my self regarding the transactions XXXX stated they did not have any unsettled transactions for me and that the date of my purchases those transactions went through on those days. 

I then contacted cash app again to let them know what XXXX said and then support said that they will send, a copy of my ledger or transactions via my email on file that I did not ever receive so on XX/XX/2023 I closed that account with cash app to prevent further stealing and scamming from this company. 
I then proceeded to look online on XXXX and saw several other ppl complaining about cash app taking their pay checks and fixed income checks from the government.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to dispute the following information that XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your XXXX to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (PA)

There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time I had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over 100 points. The second company is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of XXXX. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

* On XX/XX/2021, I applied online for a 1 ) BB & T Bright Banking Checking account and 2 ) a High Performance Money Market account. 
* As part of the application process, I was asked to provide an initial source of funding. I used an existing checking account from XXXX XXXX to provide funding. 
* After I submitted the application online, the initial funding was instantly taken from my checking account at XXXX. The specific amounts were {$100.00} to fund the checking account and {$200.00} to fund the money market account, for a total of {$300.00}. 
XXXX XXXX XX/XX/2021 ( the very next day ), BB & T sent a letter by mail informing me that my account ( s ) were closed and that within 10 business days they would either 1 ) mail a check with the funds in my account or 2 ) return the funds to the financial institution who originated the funding deposit ( s ).

* More than 25 business days have passed and I have not receive the initial funding back.

* I have contacted BB & T multiple times with no insightful response.

* It is outright fraudulent for BB & T to have withdrawn initial funding from another banking institution for an application that was de facto declined.

* It is also outright fraudulent not to follow up on their own legal correspondence which had promised to return the funds within 10 business days.

* Furthermore it is very problematic that BB & T has no actual customer service. Both the phone number on the back of the debit card, and the general phone number on BB & T 's web page are inaccessible without a special security PIN. This PIN is not automatically provided during the application, nor automatically mailed thereafter.
Consumer complaint received 2020-08-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I sent a dispute letter out to the 3 credit reporting agencies on XX/XX/XXXX to have Barclays Bank Delaware removed off of credit reports. Account was open XX/XX/XXXX and shows closed on XX/XX/XXXX and charge off XX/XX/XXXX. extremely confused as to why this is still on credit report and reporting company has so many inaccuracies on my credit reports each month.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently applied for a credit card with Capital One on XX/XX/218 and was declined " Based on your credit report from XXXX, there have been too many recent inquiries '' I checked my credit report for accuracy and shows I only had 1 inquiry prior to application. I've been on the phone with Capital One for a few hours trying to get an answer and they are stating application can not be overturned. I was denied credit with no valid reason and made it known to them before submitting complaint. I understand there are various factors looked at when submitting a credit card application and met all the requirements before submitting ( XXXX fico ).
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NE)

I have to deposits hold for {$50.00} on XXXX, XXXX. the deposit was released back to me, but the merchant informed me that cashapp holds the money for 30 days. upon contacting cashapp I was asked to provide documentation, with company letterhead, dates, {$0.00} balance, contact info, last four of card info. I've provided email receipts, and physical receipts, cashapp is refusing these documents, but refusing to tell me why they aren't acceptable now. 30 days is to long to wait on " my '' money that has already been released to me.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

I reserved XXXX  XXXX property In Florida the day I was to check in I had a death in the family. I requested a refund it was sent. I have proof it was sent to my bank. They will not release the funds back into my account.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX, I was on XXXX and there was an advertisement of some vitamins which could take away your XXXX  overtime, I was skeptic about it but I ordered at least 2 bottles which totaled {$43.00} something, then on this same date I checked my PNC Bank account and there was this charge of {$190.00} which threw me off the wall that I totally did not approved. I immediately contacted PNC Corporate Office bank and advised them of it and it was showing pending at that time. I was advised this Bank Customer Service Representative and she immediately deleted that debit card I used for this transaction and was replaced with another debit card. She then told me that once the pending is off, I should file a dispute and I did that. Within ten days PNC Bank credited my account the {$190.00}. Today, XX/XX/XXXX, I received a letter from PNC Bank dated XX/XX/XXXXXXXX  from the dispute department that there investigation is complete that they were going to reverse this charge of {$190.00} back to the company to whom I did not approve the total amount of {$190.00}, this is unheard of. I have been with this bank for quite some time, I am a XXXX XXXX XXXX XXXX Veteran on a Social Security Fixed Income and they are going to stab me in the back for something I did not approved and disputed. I've sent PNC BANK information regarding this matter and including a copy of a product from this company that I absolutely refused and was sent back to the company ( copy enclosed ). Please help, I have been with this Bank for quite sometime and for them to treat me like this, I may have to close this account and go elsewhere where I can be respected and not be treated like I was lying.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

2 months ago I applied for a mortgage and in order to obtain it I had to pay down any large debt that my husband owed USAA CREDIT CARD was one of my larger debtor so XXXX XXXX XXXX advisor XXXX XXXX suggested we pay them off in full. I investigated the charges to my account and discovered most of the charges were made after we had moved from our former address and were for XXXX XXXX males would order. I contacted XXXX and found out they mailed out a new credit card to my old address and two minor males at that address were purchasing body building products with the card XXXX sent to my old address in my name XXXX XXXX XXXX. I called XXXX and stopped the card use, determined what my real balance was, paid that off and requested they close the account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i have provided proof to the lender and experian of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (VA)

After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfair debt collection practices by debt collectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that Discover Card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NJ)

I currently have a HSA through my work, which XXXX contracts XXXX   XXXX  for. Up until XXXX of this year all of my payments have reflected the correct name of the patient. For some reason there have been three payments that no longer reflect the appropriate patient, and neither XXXX or HSA have been able to fix this and just point to the other with no resolution. 

I have three charges that show the wrong patient : {$10.00} {$68.00} {$17.00} I then had a rep show me how to update the expenses after they are posted to show the right patient, but I just want to know why they were wrong in the first place so it can be fixed before another issue occurred.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I am writing in merit again to my issue with Citibank not opening a dispute and resolving the dispute in my favour despite asking for information and the merchant not respond and proving that the merchant took my funds and has not performed the work. My issue with with the charge made on XX/XX/2019 in the amount of {$7000.00} with merchant XXXX XXXX XXXX XXXX. I was contact by Citi Executive Response UNit after filing my first claim, requesting more information which I provided and they never were in touch again. To date no refund has been issued. 

XXXX is perpatrade fraud by allowing merchants to bill large sums of money and not protect there cardholder when the merchant is running a scam.