davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

In XX/XX/XXXX, I noticed a charges on my account totaling {$380.00}. I submitted a claim to Navy Federal Credit Union, they gave me a provisional credit, and then reversed the credit which cause me more financial harm. It caused my account to go into overdraft, so when my direct deposit was placed in my account, it took everything, which caused for me not to be able to pay my car insurance, my policy was canceled, and I have to pay another fee to get my insurance restarted. 

XX/XX/XXXX, I received an email that someone hacked into my account and added themselves to my account to transfer money. They made 2 transactions. One was for {$200.00} and the other one was for {$280.00} totaling {$480.00}. I was out of town so I sent an email immediately and told NFCU that I did not authorize these transactions. It has been over a month and there still has not been any resolution to my claim. 

XX/XX/XXXX, I was looking over my accounts and I noticed a {$2000.00} charge from XXXX XXXX sales that I did not authorize. I asked my brother about it and he admitted to taking my card and making the purchase. I did not authorize this transaction. 

I have emailed the XXXX XXXX XXXX several times, and there still has not been any resolutions. I have been an victim of identity theft, someone has my information and it seems that they can get access to anything that I have. I filed a police report this past XXXX regarding this. 

All of my claims has been denied, I filed appeals and they were denied. I asked for a copy of the documents and evidence that was used to determined that these charges were authorized, and I have been denied the paperwork. I have even asked the fraud department, to ask the merchant, do they had video of me in their establishment making these transactions, and was my pin used, etc. They will not help me.
Consumer complaint received 2022-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions 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. 

Fraudulent inquiries from XXXX is XXXX and with XXXX is XXXX XXXX XX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IN)

When my income changed I went to my mortgage company, Citifinancial, and asked for help. I asked that they work with us until I was again employed and could make my payments normal again. They claimed to be looking into what they could do for us and ended up doing nothing. We ended up about 5 months behind. We made those payments and still have no idea how much extra interest we paid. While dealing with them we became aware of some mistakes on our mortgage information. We contacted Citifinancial about this and again we were given the run-around. We asked over and over for information to prove the mistakes and never received the information. We received a letter telling us, we thought, that another office would be handling our mortgage. Turns out they sold our mortgage without taking care of the issues. Now the new company has been told we did not have our payments up to date and are refusing to apply our payments until we catch up the missed payments. We are now three months behind, our mortgage balance is still not right and again are being charged extra interest. This is only the tip of the iceberg that is the problems we are having. Can you help us?
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with STATE EMPLOYEES CREDIT UNION. The line of credit I have with STATE EMPLOYEES CREDIT UNION is characterized as utilization on my consumer reports. STATE EMPLOYEES CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : STATE EMPLOYEES CREDIT UNION credit card, STATE EMPLOYEES CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! STATE EMPLOYEES CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to STATE EMPLOYEES CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (TN)

Subject : Urgent Matter : Fraudulent Transaction and Lack of Resolution Dear Sir or Madam, I am writing to bring to your attention a serious issue that I recently encountered with Cash App, the digital payment service. I believe their handling of this matter directly contravenes federal laws concerning fraudulent transactions. 

On XXXX of 2023, I discovered that an unauthorized individual had transferred {$500.00} into my Cash App account. This person then proceeded to send these funds to another account under the name XXXX XXXX, all without my knowledge or consent. I had never granted this individual access to my account, and this incident has put my financial security at considerable risk. 

Immediately upon noticing the incident, I reported the fraudulent transaction to my bank, XXXX XXXX, who began a dispute process. Simultaneously, I contacted Cash App requesting them to reverse the funds to prevent my account from going into a negative balance. Despite my prompt communication, I received no assistance from Cash App. 

Today, my Cash App account is in the negative, and Cash App 's customer service has declined to investigate or provide any form of remedy. This disregard for my legitimate concern is not only extremely disappointing but also, as I understand it, a direct violation of federal regulations. 

As per Federal Trade Commission regulations ( FTC ), consumers are not held liable for unauthorized transactions that occur due to the loss or theft of their access devices, provided these are reported promptly ( Regulation E, Electronic Fund Transfer Act ). I promptly reported the unauthorized activity to both my bank and Cash App, fulfilling my obligations under the law. 

Cash App 's failure to assist me or investigate my claim effectively denies me the protection provided under federal law. It is important that their non-compliant behavior is addressed promptly to ensure that other consumers do not experience similar problems in the future. 

I request your immediate assistance in this matter, and I would greatly appreciate any help or guidance you could provide in getting Cash App to comply with their legal obligations and resolve this troubling situation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (AZ)

On cash app I had a lot of fraudulent transactions I contacted the merchant who refunded a few but claimed they couldnt refund the rest to dispute them with bank for refund. I provided that email to cash app also yet they keep denying saying I authorized transactions with XXXX XXXX XXXX  and few others.
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

XX/XX/2023 at XXXX {$7000.00} was transferred from my cash app to what I thought was my debit card, the ONLY bank I thought was linked but some how 2 hours before the money went through a XXXX bank account was linked to my cash app without my knowledge and cash app refuses to do anything about it.
Consumer complaint received 2019-10-03
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. (DC)

On XX/XX/19 I contacted XXXX, XXXX, Transunion and " ALL '' creditors listed on my credit report to remove " ALL '' 18 unknown inquires from my credit report. I explained that I didn't authorize 'ANY '' company to run my personal credit and that I need the inquiries removed IMMEDIATELY!. I also explained how these inquires are hurting my credit ( FICO SCORE DRAMATICALLY ) it's showing lenders that I'm untrustworthy due to the inquiries I also explained if they look at my credit report my accounts are in good standing except 1 Auto Loan that I'm currently on a payment plan for.These creditors are running my credit report 2 or 3 times in 1 month which is ridiculous dropping my score even more. I was told by " ALL '' 3 credit bureau that will have to call each creditor and ask for a deletion letter. I then called " ALL ' creditors that's listed running inquires. Explaining the situation and was told that on some accounts I'm not even found in there system at all, so they can't give me documentation and the other companies stated that I had to contact " ALL '' 3 credit bureaus to have them removed. This situation is becoming more and more frustrating and more damaging to my credit by the day. Being that I I'm a contractor for CFPB my credit and finances have to be in order. Please HELP!!!
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SLM CORPORATION (TN)

Quoted on www.salliemae.com/credit-cards/evolve : You'll earn {$200.00} in bonus rewards after you've spent {$1000.00} ( net ) on eligible purchases in the first three months after you open the account. The following do not qualify as eligible purchases, do not earn cash back and do not count as part of the net spend requirement for the bonus reward : cash advances ( including cash-like transactions ), balance transfers, convenience check amounts, purchases that we believe have been made by or for a business, commercial or investment purpose, account fees, interest charges, and unauthorized or fraudulent transactions. Bonus rewards will be applied to your rewards balance within one or two billing periods after you spend the required amount. 

I met the required spend minimum on XX/XX/XXXX in a bill cycle that ended XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX bill cycles have now passed with no bonus. I have called multiple times being told that they will not credit until late XXXX ( so they have confirmed I am due the bonus ), even though that is not within the quoted 1-2 billing cycles. I have asked to be elevated to a supervisor due to false advertising. XXXX XXXX XXXX call center reps say that requires a callback after XXXX hrs or more. XXXX left a VM while I was in the shower. I called back immediately and was told she was on another line and would call me back before the close of business on XX/XX/XXXX. I have still received no contact and XXXX refused to transfer me to her or any other supervisor when I called today, telling me I needed to be patient for the call I've been waiting two weeks for.
Consumer complaint received 2022-01-14
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. (NY)

I have checked my credit report an noticed this account that has no account name and say original creditor. The account number is XXXX which gives no information as to who this is. I also read the law and 15 usc 1681b permissible purpose and it says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; I never gave this unknown comoany written permission to put this account onto my consumer report. They have violated these laws. 
Also 15 usc 1681e compliance ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I don't know who this account belongs to nor do they have any identifying information for me to figure out who they are.

15 usc 1681 ( a ) congresstional findings- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account needs to be deleted asap for the violations I have showed above.
Consumer complaint received 2022-01-26
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: Paypal Holdings, Inc (SC)

On XX/XX/XXXX I upgraded my personal account to a business account and had a few clients send me payment through PayPal. On XX/XX/XXXX I received a email saying my PayPal account is limited and I cant have access to my funds for 180 days. Well I filed a previous dispute on Here in XX/XX/XXXX in regards to my account being locked. PayPal responds was I violated my terms of agreement because they dont offer credit repair services and thats what my business consists of. However when they offer to upgrade me to a business account they was aware of my business Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That kind of tells you the type of company I am just from the name. No where In the email invite to upgrade my account states they dont deal with credit repair companies. PayPal also stated they will not lift my account limitations before 180 days. Only after! I called a few times after just to make sure I will receive my funds after that 180 day time frame. Every XXXX stated Yes. Also was informed that I would be receiving a email on or around XX/XX/XXXX on how I would like to receive the remaining balance in my account. Well I never received a email so I happened to log on my account and see on XX/XX/XXXX my entire balance was transferred to PayPal and it states for Damages. Called PayPal and they cant tell me what type of damages PayPal received due to me accepting 3 payments from clients before my account was locked. I had no dispute, no charge backs, no nothing!! This is Illegal!!! They do not support small businesses!!!
Consumer complaint received 2019-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivable Solutions, Inc. (SC)

Receivable Solutions I've contacted several times about the debt and collections on my credit file. I will like them removed and use the insurance I have which is XXXX XXXX XXXX XXXX. They never sent notices or even contacted me about the bills. I will like them removed immediately.
Consumer complaint received 2022-01-26
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. (MI)

Upon an annual credit report review, I noticed 1 potentially negative item reporting on my Experian credit report for XXXX XXXX XXXX  Michigan XXXX XXXX XXXX. I have tried to dispute the item multiple times without success. My case/ order of support was issued XX/XX/15. An individual does not walk out of court with an account, automatic payment plan, Payment booklet, etc. The XXXX has to set up an account in XXXX / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is SLOW. I did not receive a pmt request until XXXX 2015 via mail, at which I paid the balance ; consequently, this organization was already in the process of contacting employer at the time to set up a wage garnishment. This is standard practice for all accounts. I was never given the opportunity to pay. This account will be 7 years old XX/XX/15. This was never a collection ; the balance is calculated based on a support formula that bills in areas for time in court. On a second note, if this agency wishes to maintain a collection on my report where is the 7 years of positive payment history? If they refuse to delete, I would like all my payment history added to report. In addition, when I switched employers, I went into the system to initiate individual automatic payments. regardless their standard procedure when I start new employment is to send a negative wage garnishment to the new employer HR department. I find the process embarrassing and unbecoming. I have excellent credit and payment records. Garnishments are negative, individuals should be able to set up payroll deductions without this type of tactic As noted, I have tried to dispute with Experian, the online resource provides error codes whenever trying to attach documents.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Me and a friend and I met a guy who asked if know anything about investing and stocks we said a little so he said let me show you to pass it down. I met the guy in person a few times, let him use myXX/XX/XXXXwhich has my devicesXX/XX/XXXX. Fast forward he was telling me and the friend that well get this much back in stock and investment pretty much prolong the situation on when getting money then the XXXX crashes. When the friend was sending money from his bank to my old cash app account that was close due to being hacked, the only way I knew was from an old email that was also hacked. And we just now reporting it. Im sure can do anything about that but I dont want the bank to try and blame me from fraud when one my cash app was hacked and the zip code and address is not my actual address and cash app keep saying they cant verify my identity even tho my name and I think Ssn was on the account as well.
Consumer complaint received 2022-01-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have been making direct deposits of part of my paycheck into a Bank of America checking account for several months. They require {$250.00} worth of direct deposits each month to avoid a $ 12 monthly fee. I have been doing this and actually three deposits of {$120.00} were made in XXXX. Now they say that there needs to be a single direct deposit of {$250.00} each month to avoid the fee. I was charged this fee on XX/XX/XXXX. I feel tricked. My financial accounts are not a joke to me. I can not have my company change their payroll every other week so that I can lump sum the full {$250.00} 12 times per year and deposit {$0.00} the other 14 paychecks. They won't allow it. So, I have been meeting the requirement by making a direct deposit each paycheck for at least {$120.00}. I chatted with XXXX on XX/XX/XXXX at XXXX AM central time and she did not help me.