davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX at about XXXX in the evening, I went to the ATM machine to make a deposit. The atm machine did not print any receipt for the transaction, and I took a photo of the screen. After checking my balance, the {$250.00} cash which was deposited at the atm machine was not credited to my checking account. Because it was a holiday, I could not call customer service right away. When I contacted them by electronic form, they ignored me. I was able to get someone one the phone when business reopened. My concern was again ignored, and my call was almost disconnected. I asked for a manager and the customer service rep refused to transfer me to a manager. I was placed on hold for a very long time. Eventually, they credited the {$250.00} in cash which had been deposited. However, they told me that the intended to leave open the claim for a reversal at their discretion. This transaction was very concerning. I am still being threatened with claim reversal today. 

The next problem with this account was a transaction for {$83.00} which was processed on XXXX XXXX. This was paid to XXXX. I checked all of my online shopping accounts, email, and phone, there is no order, no shipping, no item which was received for a value of {$83.00} anywhere. The bank has responded that they believe they have psychic ability to know that I have completed such an order and that the items are in my home. I responded to them with receipts for every appliance in my house, anything which would be of that value that I had been shopping for on the internet. I have no such item. No such item was sent to me. The applied an initial claim credit, then they reversed it and I have been charged twice {$83.00} for an item I do not have. They were excessively abusive when speaking with them about this issue. 

The next problem and an obvious error to my account was today. I don't believe these are errors at this point. It is intentional and it is excessively abusive by the bank. I have an account which I set up in person with the banker. My debit card is set to reject any transactions presented against an insufficient balance. There is an automatic denial of the transaction, and there is no fee. The bank used their discretion to override these setting on my account, and I was charged an additional {$34.00} for a transaction after the funds were low because of the {$83.00} incident. 

My child has also experienced abuse as a result of the balance at the bank. The account has been checked and information shared with someone who uses the children to resolve deficiencies at the banking institution. There is an abuse occurring which I can not quite put into words regarding my checking and debit account. We have also been threatened for disputing the transactions which are not mine.
Consumer complaint received 2017-08-29
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: TD BANK US HOLDING COMPANY (CA)

There is a fraudulent account reporting closed on my XXXX file. It seems to be a credit card from Nordstrom/TD Bank. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with XXXX. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.
Consumer complaint received 2023-08-30
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. (IL)

Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (GA)

There is a neg ative mark showing on my credit report as a collections account with a company called Debt Recovery Solutions.  They show the original creditor as :  XXXX . This debt collection just started showing on my credit report last  XXXX   2016 . I contacted Debt Recovery Solutions and told them I needed verification of what this debt was for because I had no idea what this was all about. They contacted me with in 48 hour s, but all they could tell me was that they verified the debt with  XXXX . I informed them that I needed details as to what the debt was for. I was told I would need to contact  XXXX  to obtain those details. I called  XXXX . After being transferred and retelling the story 3 times, and after being on hold for roughly  30 mi nutes, I was then informed that they had no record of what the debt was for. All they knew was that I owed " for something. '' I told them this was unacceptable. I then proceeded to dispute this with the credit reporting agencies - spelling out for them everything I just wrote here. All of them said the debt was con firmed. I assume that no real investigation occurred and that they just took the word of Debt Recovery So lutions. To this day,  XXXX  can not and has not provided an itemized bill of what I owe. While it is severely damaging m y credit score,  I refuse to just pay out {$870.00} that I do not owe. I do hope this agency can give some assistance to bringing resolution to this matter.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. ()

I am writing to formally lodge a complaint against Square, a financial services company, regarding the sudden deactivation of my account and the withholding of funds without prior warning or adequate explanation. 

On XX/XX/2024, I received a notification from Square 's Account Services team stating that my account was deactivated and any funds in my account balance would be held for a period of 90 days. The notification further mentioned that the release of these funds is scheduled within two business days after XX/XX/2024, subject to potential changes based on factors such as additional chargebacks. 

I want to emphasize that I had communicated with Square, informing them of upcoming payments, and they were aware of the impending transactions. Despite this, the deactivation occurred without any prior warning or explanation, leading to significant disruptions in my financial operations. 

I would like to highlight also that I have diligently completed the account verification process and submitted all necessary documents for both myself and my business on two separate occasions, thereby ensuring compliance with all requirements set forth by Square.

Enclosed with this letter, please find a copy of the notification received from Square for your reference. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure a fair resolution, clear communication, and the timely release of my funds. I appreciate your attention to this urgent issue and look forward to a prompt investigation. 

Thank you for your assistance.
Consumer complaint received 2021-01-30
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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2020 a {$900.00} purchase was made using my card information. I noticed the charge a few hours after the purchase was made and immediately called Apple Card services and disputed the charge and had my card number changed. I received an email today stating I would be held responsible for the charge because the merchant provided sufficient evidence that I made the purchase. After speaking to a Goldman Sachs manager he stated the company " XXXX '' provided an invoice with my card number and billing address, but to a person of a different name and a different shipping address. The manager said I would need to provide him with an email or screenshot proving I did not make the purchase. Upon asking how I could provide an email with evidence I didn't make a purchase he stated that was not his job. Several charges were attempted with the old card number in the two months following my dispute proving that somebody has my card information. I tried explaining to the manager that wherever they got my card information is also where the got my billing address, but he said he can't help me.
Consumer complaint received 2022-09-08
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. (TX)

This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On XX/XX/2023 I placed an order for {$190.00} for boots from a company that advertised on XXXX. I could tell that it was not legitimate as soon as they sent the confirmation number. I emailed the company and asked for a refund. I went back and forth with them for a while and they eventually sent me tracking information and said that I need to contact the post office if I didn't receive my goods. I went to the website they gave me and looked up the tracking number and it says that the package was returned to sender. I disputed the charge with cashapp and provided evidence that I got scammed but they denied my dispute claiming that the company fulfilled their duties. I asked for the documents that they used to come to that conclusion multiple times and was ignored every time. I called customer support and was told that they weren't allowed to tell me anything and that those were orders from someone higher up. I asked them to transfer me to their supervisor and again, they said they weren't allowed.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch (MN)

We purchased a new home on  XXXX   XXXX ,  2017 .  Lender CalAtlantic M ortgage collected real estate tax escrow funds at closing but did not pay the taxes  to the county. CalAtlantic th en sold the loan to  XXXX  in  XXXX   2017 . We received a notice from  XXXX   XXXX  on  XXXX   XXXX  stating that real estate taxes had not been paid and late fees and penalties were charged to the account. Lender failed to make timely escrow disbursements and stuck us with the late fees.
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Capital For Change, Inc. (CT)

I obtained a loan from Capital For Change ( C4C ) in XXXX associated with a green energy project. The loan was a {$40000.00} loan due monthly over 84 months. Over the past year I have ran into difficulty paying the bill through the online system so have utilized the phone system making several months payments at once. Since Covid-19 the phone system indicates that responses ( voicemail and emails ) may take 48 to 72 hours for response. I had made a payment for 3 months in XX/XX/XXXX brining my account current until XX/XX/XXXX. On Friday XX/XX/XXXX I realized I hadn't made my payment so attempted to call C4C however wasn't able to reach a representative ( C4C confirmed call based on call logs around XXXX Friday ). I tried logging into the online system however wasn't able to log in. The next day Saturday the XXXX I realized that C4C was closed so I reset my password online and utilized the online system. I made a payment for the month of XXXX and the month of XX/XX/XXXX. The online system indicated that they process all payments after XXXX M-F the next business day however the system did indicate that the payment was made on XX/XX/XXXX. On Tuesday I received a credit alert that I was given a 1 month late on my credit. I contacted C4C and initially spoke Ms. XXXX XXXX ( Supervisor in customer support ). XXXX indicated that they do not process payments over the weekend and that the reporting is correct for the XXXX. I later escalated the issue to Mr. XXXX XXXX ( Director of Loan Servicing ), Mr. XXXX advised that he looked into the situation confirmed my call on Friday the XXXX however declined to make any changes. I proceeded ( several emails available ) to provide documentation associated with CFR XXXX associated with Regulation Z and pavements. - A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. Mr. XXXX indicated that this does not apply to his company as they are closed on the weekends and wont process payments until the following business day. I don't feel that not accepting payments and not applying payments that are made on their website ( that show a payment date of the weekend day ) should reflect a payment date for either credit reporting nor late fees is reasonable. I also don't believe based on the official clarification of the guidelines this complies. This damage to my credit is now causing me to lose out on a refinance of my mortgage that was schedule this week.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

was XXXX XXXX XXXX XXXX my cash app account sent people money to them selves than cashed out multiple times to account that is not mine and I have no clue how or got in my account also XXXX was to send a refund of over XXXX $ for XXXX weeks they said they sent my money back I screenshotted all messed sent to cashapp for them to refund me still have not received refund the today is almost XXXX $ I had just received my back pay from social security
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my frustration over the presence of fraudulent accounts on my credit file, specifically XXXX XXXX XXXX XXXX. Despite filing an identity theft report on Identitytheft.gov, your bureau has yet to promptly address this matter. Other credit bureaus have swiftly validated my identity theft report and removed the fraudulent accounts from their records.
Consumer complaint received 2017-06-15
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent more than  XXXX  letters to Portfolio recovery, asking for VALIDATION bearing MY SIGNATURE of a debt for the amount of {$470.00}, made pursuant to the Fair Debt Collection Practices Act. I do n't have any debt with this compa ny nor any contract with them. Portfolio recovery keep sending letters that they VERIFIED the debt but failed twice to provided me with my Signature as VALIDATION of the debt they say I owe. Last letter they sent was for a settlement and still no VALIDATION of this debt bearing my signature. They marked on my credit report " Dispute Resolved '' which I do n't agree. I could n't get a loan for a house because of this damage to my credit. So for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I 've been keeping records of all documentation between Portfolio Recovery Services and me.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was an authorized user on XXXX credit cards with Capital One, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2017-06-15
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 (MD)

I bank with Bank of America and I have been noticing lately that they have been charging me overdraft fees for things they never use to charge before and this is REALLY causing a financial burden on me. On  XXXX  I had  XXXX  dollars in my account I needed gas. For as long as I can remember and everyone in the world I know takes advantage of the fact that you can fill your car up with  XXXX  dollar in your account. I 've done this for years and never once been charged a fee. On  XXXX  I transferred  XXXX  dollars to my savings and I had  XXXX  dollars left in my checking and I filled my car with my debit card that 's linked to my checking. I filled up for  XXXX  dollars. When my  XXXX    XXXX    XXXX  card transation posted Bank of America gave me a OD FEE of  XXXX  dollars because they said I transferred the  XXXX  that had I never transerferried the  XXXX  and left the  XXXX  in the account and then got the  XXXX  in gas it would 've never triggered an overdraft fee. WHAT SENSE DOES THAT MAKE ITS STILL A DEBIT PURCHASE AND IM STILL OVERDRWING THE ACCOUNT EITHER WAY. They refuse to refund it and it 's not right why ca n't I trensfer my own money when I want to. This was not a reoccurring debit charge and it was n't ACH charge. Also on  XXXX  I had and ACH trigger for  XXXX  BOA returned as they should because there were no funds in the account, but the merchant  XXXX   XXXX  charged my account in error. They even sent me an email stating their systems are down and my payment was n't supped to be til  XXXX   XXXX  not  XXXX   XXXX . I called boa and asked them to please refund the fee due to merchant error and they refused they said I ca n't file a claim and present documentation on the charge because it was n't paid. That 's ridiculous. So charge your customer  XXXX  dollars add more financial strain to them when they have documentation that the charge was to come out  XXXX   XXXX .
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2024 i called Experian to this number XXXX to dispute 1 hard inquiry and for them to remove wrong or not mine address and wrong names and the representative entered into argument and i asked to talk to his superior but there was non available so he told me a supervisor was going to call me in the next 24-48 hours and never did. Representative was really unprofessional and rude and never took my dispute serious and this 1 inquiry that i never authorized and all this past wrong addresses and names still showing in my credit report.
Consumer complaint received 2022-09-08
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. (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.