davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these illegal inquiries are reported illegally on my check systems report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (RI)

The Bank 's Auto pay policy only has 2 options ; 1-minimum payment due 2-Statement balance If you try setting up your recurring payment by calendar month, their system only gives two months.

This puts even good credit card members at increased risk of default. I have called and spoken to associates about this including a supervisor, to no avail. 


I believe adding an " other '' option to their auto-pay will solve this ONLY TD Bank problem in my view, This is my only credit card that has this problem. 


XX/XX/23 is one of the 4 times I have called TD Bank for the issue. 
Their answer- we do not have that option.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX payment was made on XX/XX/XXXX and I have been charged late fee of {$28.00}. Due to COIVID-19 my unemployment arrived late and I and payment on XX/XX/XXXX which should have been paid by XX/XX/XXXX. Company has refused to reverse the late fee payment because of COVID-19 when I have lost my job and have no income except unemployment.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (VA)

I have made several attempts with Apple Bank ( through Goldman Sachs ) to have my monthly payment lowered because I am unemployed and can not afford to make the payment. They have refused to lower the payment and have have threatened to report me to several credit bureaus. I have been trying to work with them but they have been unwilling to work with me. I have been adamant that I want to make a payment. I just can not afford the payment they are demanding. I have tried to work with at least 6 representatives with this bank to no avail.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NM)

I made a purchase online at a company and never recieved products I filled a dispute and recieved a cancelation email and a refund receipt, I never recieved the refund so I disputed with my card company ( cash app ) and they denied my dispute and sent the money to the company they're refusing to work with me and give me any answers so XXXX XXXX XXXX XXXX by cash app and XXXX XXXX
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (IN)

Squares payment protocol is an overbearing one. It completely binds the customer, but not Square. This is unfair and unfair.

The agreed 90-day review date was pushed back two years. Not proactively contacting customers, deliberately confiscating customer funds, and mechanically perverting customers. 

1. Square accounts have been deactivated inXX/XX/XXXX and the latest updated payment terms do not apply. 
2. If a customer refund event occurs and the refund has been actively processed, you have no right to confiscate the remaining legal funds.

3. Once a Square account is deactivated, customers have 90 days to dispose of the account instead of waiting two years for a permanent freeze.

4. Squares customer service team abuses the contract at will, fails to respond to customer complaints, and restricts accounts at will.

5. Square stated that the account was suspected to be high risk, but did not provide actual proof.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NJ)

My bank is Chase. I wrote a check in the amount of {$3200.00} for a rent payment and mailed it on XX/XX/23. Several days later my landlord said they hadn't received the check, I became concerned since ii know that the check for {$3200.00} cleared. When I checked my account for a check image it became obvious that someone intercepted the check, cashed it at XXXX XXXXXXXX XXXX and then Chase honored it. I filed a dispute with Chase fraud claims on XX/XX/23, but I received a notice in the mail from Chase that more info was needed. I faxed that information to them on XX/XX/23. It is now XX/XX/23 and every time I call Chase to get a status of the claim I'm told they are still waiting for XXXX XXXX to get back to hem. This is an obvious case of fraud/forgery, since after the check was cashed by XXXX XXXX the criminal reforged the check again differently twice and tried to cash them at Chase, but my account was already restricted. 

This is an obvious case of fraud where it should be evident to both Chase and XXXX XXXX, but I can get no resolution.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Dear equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on XXXX  HAS 90 days & EQ HAS 60 days. last reported dates are wrong & different last payment EQ HAS XX/XX/year> & XXXX HAS XXXX XXXX XXXX. XXXX XXXX DATE CLOSED SECTION THE ACCOUNT SAYS MAXIMUM DELINQUENCY 90 DAYS IN XX/XX/year> THIS ACCOUNT DOES NOT HAVE REPORTING DATE OF XX/XX/year> THIS ACCOUNT SHOULD HAVE LATES IN IN THE PAYMENT HISTORY BUT DOES NOT THAT INACCURATE INFORMATION REPORTING ON MY REPORT HURTING ME. Im sorry but this account inactive delete this account for frca rights THIS ACCOUNT IS REPORTING 90 days FOR XXXX LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION DUE TO CONSUMER RIGHTS inaccurate whole account. THERES NO COMMENT FOR NOTICE OF DISPUTE IT SAYS CLOSED. EVERYTHING I CIRCLED IN THE PDF FOR PROOF NUMBERS DONT LIE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you
Consumer complaint received 2023-11-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (AL)

I was doing some work for a friend and he owed me {$500.00}. We both was out of town. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I needed money for formula, diapers and travelers fee so he sent me the money and pay me through an invoice And because they thought it was suspicious. They close my account which has the funds in it told me that I would have to wait 90 days before they release my phones no matter what I sent the right appropriate paperwork and the information that they were asking for and they still would not let me talk to the investigation or affairs board
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

Someone fraudulently applied for a Best Buy credit card and account using my personal information on XX/XX/2023. On XX/XX/2023 I received a letter from Best Buy Credit Services informing me of a denial of application due to my SSN not matching the SSN on the credit bureau report. The consumer reporting agency used was XXXX. Due to the letter I received I was made aware of the fraudulent inquiry and credit card application using my personal information. I immediately got a credit report from all XXXX, XXXX ; XXXX ; XXXX, consumer reporting agencies and filed a dispute with XXXX which showed a Hard Inquiry with CitiBank NA., Best Buy made on XX/XX/2023. I will be filing a police report and be taking all necessary steps in order to have this fraudulent hard inquiry removed from my credit report. Credit report freezes and locks are in place since being aware.
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OR)

I applied for a mortgage through a broker by the name of XXXX XXXX. We were referred to Cardinal Financial for the mortgage processing. We repeatedly submitted the information requested by Cardinal Financial by the deadline for the closing, only to be told that they needed additional information which they did not previously request. This went on for about 2 months delaying our closing and requiring that we spend an additional {$1600.00} above the original estimated cost. We repeatedly asked if there were additional documents that needed to be submitted and were told " no '', only to come back and ask for additional documents.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 I went to XXXX Florida for 3 days. I had a room at the XXXX XXXX. Once I got into the XXXX XXXX I wasnt able to use my bank of america card so I paid for the room using cash. A couple of hours later I was able to use my card and they put it in their system for any miscellanious rooms charges and insurance. I left XXXX on XX/XX/2018. A couple of days later I noticed that the XXXX XXXX charged me {$700.00} for the room, even though I paid cash for the room the day that I checked in. XXXX XXXX and BOA have not been helpful in getting this claim resolved.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: American Credit Acceptance, LLC (CA)

XXXX has been non-compliant with removing the unverified account AMERICAN CREDIT ACCE which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that AMERICAN CREDIT ACCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service (AL)

By looking at MyFICO the status of my Military star card on XX/XX/2019 it was sent to a collection account for the amount of {$610.00}. I had never got an email, phone call, or a bill sent in the mail to me, without receiving anything I didn't have the information I needed of where to send a payment to. I had never got a call until the collection company contacted me. When I got the call from them about this account, I paid it in full. I had asked them if since I never got anything about this account if there was a way we could remove it from my report, they said no they weren't able to remove it all they could do was put it as paid. We are trying to get a home loan and this on my report is hindering my chance of getting approved.
Consumer complaint received 2023-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was recently on vacation in XXXX XXXX XXXX, XXXX. On the last day of the trip on the way to the airport, I stopped to refuel my rental car. Upon completion of refueling the car, I handed the gas station attendant my credit card to pay for the gas. At this moment, a co-worker called him over to the other side of the pump for assistance. He walked over to the other side of the gas pump, and I believe this is when the fraudulent transaction was made. He returned to the side of the pump to process the gas transaction. Upon returning home, I checked my credit card issued by Capital One and discovered a transaction had been made by a merchant based in XXXX XXXX ( I was never in XXXX XXXX ) for the amount of $ XXXX by XXXX using the payment processor XXXX I immediately contacted Capital One to dispute this charge. Capital One rejected the dispute saying they believed I had benefitted from this transaction as it was a chip read transaction and supposedly very secure. I have since made numerous inquiries to the fraud and dispute departments at Capital One. Further information became available about the transaction. It occurred on XX/XX/XXXX at XXXX for {$410.00} for dining/fast food, while the legitimate charge for the gas occurred at XXXX for {$36.00}. How likely would it have been that I purchased over {$400.00} worth of fast food from a merchant in XXXX XXXX while I was on my way to the airport in XXXX XXXX XXXX? Capital One questioned why I continued to use the card after this transaction to which my response was I was not aware of the fraudulent transaction until the day after I got home. Furthermore the credit card was out of my possession for a brief minute at the gast station where the fraud occurred. The payment processor has also launched an investigation. See attached letter from XXXX and the letter that I explained this to Capital One.
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (NY)

I believe that an old account I had with XXXX XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

Syncrony bank has added unemployment insurance to my card without my knowledge. I don't want this insurance as my minimum payment has only gone to the cost of insurance every month. To cancel the insurance it's near impossible. I am requesting a refund and it be taken off.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have Disputed an account XXXX XXXX acct # XXXX with trans union because the account was paid off in XX/XX/2018. Transunion still show a balance on the account that should show a XXXX balance.
Consumer complaint received 2022-08-28
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. (NY)

I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX ) Experian Buisness Card XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as purpose.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (CA)

I have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.
Consumer complaint received 2021-06-26
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: Experian Information Solutions Inc. (CO)

XXXX XXXX is reporting my loan late in XXXX, 2021. As XXXX XXXX clearly states in a response to my complaint to the XXXX I was not late in any payment XX/XX/2021. These lates that are reported to all three credit agencies and reported differently must be corrected to on time status for XX/XX/2021.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MN)

XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from US DEPT EDUCATION XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your US DEPT OF EDUCATION student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX XXXX XXXX XXXX CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX  ) They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.