davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (NV)

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, XXXX and Transunion to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX NXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX cXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/XXXX I hires someone to move my luggage for me for {$50.00} thru cash app. Through the day he kept saying he didn't receive it. When I needed to move my things again I agreed to pay a total of {$91.00} to cover both moves. At I was entering the info he forcefully took my phone saying I wasn't putting the right cash tag in. While he had me phone, his friend bumped my just enough to throw me is balance.so I was unable to see what was going on. I'm a XXXX XXXX XXXX XXXX XXXX  veteran and they were young muscular men. When he finished he handed me the phone and immediately disappeared. He had changed the amount to {$9100.00}, tried to mess settings and then logged off the app. At first took a second to get logged back in but then I immediately contacted cash app to report the fraud, tried to request a refund from the man and have attempted numerous disputes. Cash app keeps ignoring the details of my XXXX and age to say I authorized it freely. Also, while trying to determine what happened to the first transaction I attempted to send {$1.00} to see what happened. Cash app did not allow that transaction saying it was a questionable account BUT I WAS NOT IMMEDIATELY NOTIFIED Obviously they recognized a problem with the account but did not give me adequate information they refused {$1.00} yet allowed {$9100.00} which is not typical to my spending habits. 

They won't tell me how to take it to arbitration or offer any other recourse after numerous calls and written messages
Consumer complaint received 2024-03-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received {$1000.00} American Express eGift from my work back in XX/XX/XXXX. I have been able to successfully make two purchases with this card earlier this year in XX/XX/XXXX. However, now when I try to use my card at the same merchants it gets declines even though there is still {$960.00} left on the card. I have tried dozens of merchants with no luck. I've reached out to American Express support multiple times in XX/XX/XXXX to help resolve this issue. They told me they would be mailing me a check with the full amount and would be here within 3 weeks. It has now been 3 weeks and I have not received any communication from the company. After doing some research it appears that many people are having this same issue with no help from American Express. Here is the case # I filed with American Express to receive me refund : XXXX
Consumer complaint received 2023-04-02
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. (FL)

My XXXX XXXX XXXX XXXX XXXX acct XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX, Senior Vice President in charge of credit cards, XXXXXXXX XXXX, has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (DE)

This company shall provide proof I received the a 5 day notice of this alleged debt before it was placed on my Credit report.

Delete this account if you cant prove I got the notification which I never did. The FCRA says I have the right to dispute any alleged debt by responding to a 5-day notice prior to it being placed on a consumer 's report.

AGAIN DELETE This ACCOUNT OR IM BE MORE THEN HAPPY TO SUE YOUR COMPANY, in court proof is required, I'll ask how can you prove I received the notice.
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, MN XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements upon request.
Consumer complaint received 2022-03-04
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

During Hurricane XXXX  I lost a huge account. I got behind in my American Express payments. I had several other credit cards who worked with me. I tried talking to American Express without success. They jacked my interest rates up to 29.99 % and then cancelled my credit card. They had men call me almost every day harassing me to pay my bill. My wife and I took out loans to pay it off and she tried to be added as a user so she could communicate with them. Because they cancelled my card they wouldn't add her, nor would they talk to her about payments. We owed about XXXX. We paid off XXXX in one lump sum ( the minimum required was XXXX ). Imagine our shock when we got a bill from AMEX STILL charging us 30 % interest and the credit card is still cancelled. They harassed me mercilessly and the men were all foreign speaking with a heavy accent and were very very pushy. Every other credit card is charging me about 11 % interest. Please help.
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (TX)

Rausch Sturm LLP, XXXX, has been excessively calling me on my phone number XXXX. SOmetimes calling me up to 7 or more times a day. Thursday, XX/XX/XXXX they called me 6 times around XXXX. 1 time on XX/XX/XXXX, 2 times on XX/XX/XXXX, XXXX, 1 time XX/XX/XXXX, 7 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 4 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 3 times on XX/XX/XXXX etc. 
It is out of hand!
Consumer complaint received 2019-02-01
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. (NC)

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I'm a loyal customer with Citibank for more than 7 years. The Citibank checking account was actually the first bank account I opened when I arrived in the US. A few years later, I started a saving account with them. 

On last Saturday ( XX/XX/2020 ), while I was trying to check my balance and logged into my account page via desktop. However, I could only see the balance but was not able to view the transactions. The webpage said " We've encountered an issue and are having a problem processing your request. '' This happened before because of the Citibank.com tech issues. Therefore, I did not really paid attention to that. However, when I checked the account from my mobile app, I found that both of my checking and saving accounts were close. Without any notice, my accounts were closed! I was totally shocked. It was pretty late already so I used the online chatting tool to get help. I was told that the online customer service does not have the authorization to view my case and I wad lead to a phone number. I called the number they gave me ( XXXX ) the next day ( XX/XX/2020 ). After a long time waiting to reached to a customer representative. The person told me that the Citibank had made the final decision of closing both of my accounts and I would not be able to receive any payments. When I asked for the reason he started repeating the scripts. I asked him if I could get my money back and when. He told me I would receive a letter in 30-60 days explaining the next steps after they reviewed my accounts. 

For seven years with them, except 3 times overdrawn, I never did anything risky ( the overdrawn have not happened for a long time and I paid them clearly soon after it happened ). This decision came from no where and was not reasonable. Having no access to my fund for 30-60 days will put my life in a very difficult situation, especially during this covid-19 pandemic time. When I pointed out the recklessness behind their decision, the customer service person told me he needed to hang up and that was it. I realized the phone call would not go further either, so I started to unlink all my service with this bank account. But it was still too late. I updated my direct deposit setting with my employer on XXXX, but I still missed the payment which should have came in on today ( XX/XX/2020 ). 

I double checked my emails and mails, but never found any notice from Citibank asking me for any information to keep my accounts or warning me for the risk of getting my accounts closed. With no access to my checking and saving balance and missing my new paycheck, my life could not go on right now. I think what they did to me was 100 % unfair and unreasonable.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (MI)

I paid off my RV loan with Bank of the West early, on XX/XX/2020 via electronic delivery through XXXX  XXXX XXXX. The funds were received by Bank of the West on XX/XX/XXXX. 

Bank of the West did not process the payment against the loan until XX/XX/2020. At that time, they promised to send the title within 10 business days. As of XX/XX/2020 I have still not received the title. 

I have placed 4 calls to Bank of the West customer service regarding this issue and each time, after a minimum of 50 minutes on hold, I am given a verbal shoulder shrug and told that my paperwork is " in process ''. 

They've had my money for 45 days and I still don't have my title. Please help.
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX XXXX reported a late or delinquent account on my credit report. 
The alert was reported by JPMCB Card Services. I do not have a JPMCB account and never did. This is not my account. Please correct this as this lowered my excellent credit score XXXX points!
Consumer complaint received 2018-03-02
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: Innovis (CA)

I just checked my current credit report, and I realized I was hit with a HARD inquiry back on XX/XX/2017 by this company : CBC INNOVIS, Mailing address at XXXX XXXX XXXX XXXX, PA XXXX. 

I don't ever recall doing an inquiry of some sort what's so ever.
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WA)

I received an email from MOHELA stating that the processing of my student loan forgiveness forms is being delayed. I was told to sign in to receive information ; however, when I attempt to sign in, I am told that they have no record of my accounts, so I need to register with a new account. When I attempt to register with a new account, I am told that they already have someone under my ssn. I tried to call and was hung up on several times by the automatic system. My loan was transferred on XX/XX/XXXX and I very close to loan forgiveness and now I am getting the run around by this company.
Consumer complaint received 2019-02-01
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. (CA)

credit bureaus refused to reverse the late payments reported on XXXX XXXX XXXX****,  XXXX XXXX XXXX XXXX****..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (CA)

Calvary Portfolio Service representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$740.00}
Consumer complaint received 2019-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I tried purchasing tickets for a football game. Communicated with the seller, or supposed to be seller. They asked to send transfer the funds for the tickets and they would then transfer the tickets. Gave me their email address for a XXXX transfer. Funds, {$700.00} were sent but the seller never sent the tickets and stopped communicating with us. I attempted several times to get them to send the tickets. Called Chase and filed a fraud claim. Even tried requesting the funds back from the email address thru XXXX but no luck. Chase gave me a temporary credit for the funds and then took them back out of my account. I was scammed and would like Chase to credit me my funds.
Consumer complaint received 2018-03-02
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. (CO)

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2022-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc. (CO)

****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST ***** ***** CFPB - I CALLED XXXX ON XX/XX/22 @ XXXX ***** THIS COMPANY HAS NOT RESPONDED TO MY REQUESTS. 

This is a reply to complaint XXXX. I have already paid this bill. I have provided a copy of my credit card statement showing that I paid the doctor on the exact day of service that Credit Systems Inc is showing. What else can I provide? How to I further dispute this? What is Credit Systems Inc 's registered agent so I can file in small claims to get my money back?

****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST *****
Consumer complaint received 2019-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MT)

On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX 's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by experian that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, XXXX number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used experian. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used experian. I called XXXX 's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which experian had recommended ) and they had used experian. I called experian for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or Experian to look into this and help the consumer ( me ) .I understand XXXX 's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both Experian and XXXX , s.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IN)

I gave chase my bank account number to pay my bill and they wouldn't accept it, they told me they had a different number with my account. It turns out they were charging another member at my bank. I dont know how this happened, my bank told me they had no idea how chase got the other members account number. I had to reimburse the other member. My bank told me that it was an error on chase 's part. I talked to chase and they acknowledged their mistake but told me they couldn't remove the missed payment from my credit report. They told me to dispute it on my credit report if it showed up. I tried multiple times to make a payment after my automatic payment was returned on XX/XX/19. They wouldn't accept my attempts to pay. They corrected the account number for future payments but that's it. I really need this resolved as I'm trying to build my credit. I never wanted to miss a payment, it was their mistake.
Consumer complaint received 2022-08-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}