davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: BARCLAYS BANK DELAWARE (TX)

In XX/XX/XXXX, I discovered XXXX has been charging my credit card two times a month for a monthly XXXX subscription ( instead of paying one $ XXXX/charge, I've been paying two $ XXXX/charges ). I did not realize this was happening for a long time, as the charges occur just one day apart- on the XXXX AND XXXX of each month. 

Upon realizing this, I called XXXX thinking it would be a simple solution and that they would refund me for the duplicate, secondary charge which I did not receive secondary CarePass benefits for. However, they do not show two charges or two accounts, so wouldnt do anything to stop the duplicate charge. Their records only show that they are charging me once/month instead of twice/month - therefore, they say they can't do anything to stop the second charge. Guess what? I can't either, because XXXX won't stop the charge and Barclays also will not help me stop the charge. 

After multiple frustrating phone calls with XXXX customer service, I went to my credit card company, Barclays. They told me to work with the merchant, but as mentioned the customer service team at XXXX is not able to accommodate. 

At the beginning of XX/XX/XXXX, I cancelled my XXXX XXXX account all together in hopes of stopping the duplicate charges. On XX/XX/XXXX and XXXX, I was once again charged two {$5.00} XXXX fees- even after cancelling the service. 

On XX/XX/XXXX, I once again called XXXX to try to get to the bottom of this once and for all. For 40 minutes, I was told that they dont show a XXXX account associated with my credit card. Upon threatening a class action law suit, my account was miraculously found. Only one account was found, however, and the second charge remains a mystery to them.

I dont know why the one account was found and still showing as active, as like I said above, I cancelled the account at the beginning of XXXX ( and can provide the email confirmation ). 

Ive been told that one account has been cancelled and a ticket has been submitted to determine the other account. 

While it would be great to be refunded for the second, duplicate {$5.00} charge Ive been receiving for XXXX years, I would settle at this point for XXXX  to just stop charging my credit card each month so I can stop dealing with this headache with XXXX  and Barclays. 

Since XXXX and Barclays both will not help me resolve this issue, I was forced to close my Barclays credit card which I have had for 12 years and my credit will ultimately suffer because of this. 

I've called Barclays, sent letters, asked to speak to someone outside of a call center, submitted forms online, etc. Only some of the fraudulent charges have been refunded and each month I deal with this because they won't stop XXXX from charging my card. 

I should not have to cancel my credit card because a merchant is wrongly charging my card. Shame on Barclays.
Consumer complaint received 2021-01-30
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: BANK OF THE WEST (AZ)

Bank of the West & XXXX XXXX XXXX are reporting a debt of XXXX I was XXXX  and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX. 

They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with BOTW faxing in a document today by a bank manager. 

When I call XXXX XXXX they refer me to BOTW when I go to BOTW they send me to XXXX XXXX.
Consumer complaint received 2017-10-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

I have already filed a complaint but the resolution was not satisfactory. I realize I missed a payment in XXXX on a repayment plan but I lost my job in XXXX. I notified the company immediately but they claim they never received my requests for assistance. As a result Im going to lose my home in the middle of the fall and I have no where to go. This seems not to matter to the company and since they still own the property Im not sure why they wont they wont try to help me. I know they have tried in the past but we are ready and able to resume normal payments. My wife is XXXX and is XXXX XXXX and my son is XXXX. 
There is no way to move them at this point. I wish I could get them to grant me help again. I cant lose my home XXXX simply cant. How do you celebrate XXXX living in a car? Please help me.
Consumer complaint received 2020-01-20
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: EQUIFAX, INC. (CA)

MY COMPLAINT IS WITH EQUIFAX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
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. (WI)

On XX/XX/2023I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : 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, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. On XX/XX/2023 I sent a letter to all XXXX consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and Experian both came back with my personal information being validated. The incorrect is as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not Experian and XXXX meaning the information on my consumer report is incorrect. Debt of XXXX XXXX was removed from XXXX but not Experian and XXXX XXXXeaning the information on my consumer report is incorrect. Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I moved out of  XXXX   XXXX  in  XXXX   XXXX . In  XXXX   XXXX , the apartment complex engag ed IQ Data International dba R ent Collect Global to collect a debt of {$120.00} they claimed I owed for cleanout of the apartment I vacated in  XXXX   XXXX .  <P/> I disputed this debt with both the apartment comple x and IQ Data. B oth parties maintained that I owed the debt.  <P/> I sued the apartment complex  in Justice Court to have the d ebt cleared and my apartment deposit returned. On  XXXX   XXXX ,  XXXX  t he Justice of the Peace issued  the judgement on this case in my favor. In  XXXX   XXXX , the  XXXX   XXXX  wrote a check to pay the court costs and return my deposit.  <P/> 
IQ Data has refused to stop reporting this debt to the credit reporting agencies   XXXX   XXXX   XXXX   XXXX  . I   disputed the debt directly with all  XXXX  credit reporting agencies.   XXXX   and   XXXX   have removed the collection from my report.  XXXX  has not.  <P/> Per my current  XXXX  credit r eport, IQ Data Collections has inc reased my debt due to interest owed to {$130.00} and continues to report this debt as of  XXXX   XXXX ,  XXXX . I have written  to both IQ Data and  XXXX  on multiple occasions to remove this mark from my credit history, but IQ Data maintains that I owe the debt despite being presented with the court 's judgement.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.
Consumer complaint received 2024-02-03
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. (MO)

My company, XXXX XXXX XXXX, wanted to use Square to process card payments, the payment ( {$30.00} made on XX/XX/2024 ) was successful. However when we attempted to move it out of the account, they froze the account and refused to give us a reason. We submitted ample verification samples showing receipts and answering questions about our business. We reached out to Square support asking about the reasoning behind the deactivation and if they money is stuck in the account and they failed to give us an actual answer to this question besides saying the money is stuck in the account.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

I keep getting calls from XXXX. Today XX/XX/XXXX, at XXXX est I get a call asking for XXXX and saying I have a XXXX loan from XXXX from Indiana . This is incorrect. I never took out a loan. I told them if they have my number, they have my address to mail an itemized bill to me. He repeats an Indiana address that is not mine. I told him he has the wrong person, to which he gets annoyed and says " I gave you the information bc you said yes ''. I tell him that I never said Yes. Asked him to repeat the name and I hear a name XXXX. I think? I said that is the wrong person. He claims he will put me on a no call list but I'm not sure. He seemed like he was trying to scam me.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused. 

I originally requested this check on XX/XX/XXXX. I was told the request was processed. 

After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX. 

After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me. 

After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable. 

HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash. 

I am requesting that the bank honor its debt to me and issue a check for the balance on my account. 

Thank you to all for assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-26
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. (NC)

My cash app account has been frozen since last night. I am unable to use my card, withdraw money, cash out, transfer, send or receive funds. My entire paycheck is on this account and theyre giving me XXXX access to my funds. They said a fraud team is investigating my account and could take 72 hours or longer but they would email me once the investigation ends. They have not contacted me in any way to ask me about any of my charges or anything. Theyre also telling me I have no consumer rights with them
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/XXXX and XX/XX/XXXX I sent BTC Bitcoin to my CashApp account digital wallet.

Upon sending the BTC, CashApp received the funds. After receiving the funds, CashApp rejected the transactions.

As soon as I noticed each transaction was rejected, I immediately logged into my CashApp account to reverse the transaction and send the BTC back to the initial sending wallet.

After a week passed I still hadnt received the funds and reached out to CashApp support. Now going on over a month, the transactions are still pending on the blockchain because CashApp processed the two transactions with a few less than the minimum amount required and or suggested to be processed. 

I asked CashApp to rebroadcast the XXXX transactions using a service called XXXX XXXX for Parent, but Cash App said they dont do that and I would need to wait until the transactions are done being processed on the Blockchain. 

I have tried to resolve this issue for weeks, reached out to the support team by phone and email. I am unable to get this matter resolved. 

I am currently missing approximately {$500.00} due to these XXXX transactions that CashApp processed without paying the appropriate fees. 

Now I am late paying my credit card payment and have XXXX money until I get paid from work.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WA)

after being released from jail when I got home I had noticed my laptop my phone my wallet everything I owned was gone. I ordered a new phone and it took me XXXX weeks to gain access to my email accounts then I could verify to my banking apps that I was who I was so I could log in to my apps. cash app specifically showed that someone used my card while I was incarcerated from XX/XX/2023 to XX/XX/2023 there was XXXX  XXXX in charges. I promptly look for my card and finally found my wallet XX/XX/XXXX all of my debit cards had been removed and then contacted cash app and reported my card stolen. I called them immediately I told them what the situation was and that I wanted to dispute those transactions they told me to go on the app and fill them out one at a time so I did after a day of waiting I got an email for each dispute stating I needed to verify my identity. the problem is my identity is already verified according to cash app. their own policy dictates I am not allowed to make transfers person to person using my cash app balance unless I am verified. I was able to make a person to person transaction days ago. I have a screenshot of a text message from cash app stating that my account has been verified. now with each email that I received about the disputes request me to verify my identity I tried numerous times but this new phone has a subpar camera so the app won't verify my identity which has already been verified so they closed my cash app card and refused the dispute. I absolutely gained nothing from any of those transactions and for them to tell me that my dispute claims are fraudulent is a slap in the face.
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. (KS)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I have registered a new credit card of Amex XXXX XXXX XX/XX/XXXX. 
There was an offer which is a sign-up bonus of XXXX XXXX points after spending {$3000.00}. 
I had spent over {$3000.00} XX/XX/XXXX then paid off when I got a billing statement. 
After spending over {$3000.00} they, Amex, has not given the XXXX bonus yet. 
I have tried to figure it out 4 times with chatting and calling but they only said that your case is investigating. They gave me a time frame of 6wks and 8wks to be completed but it is still expanding forever. It seems like they do n't want to give the bonus and are willing to be a thief in XX/XX/XXXXnow. I know many people who made Amex XXXX card at the offer period and they have not received the bonus as well.
Consumer complaint received 2017-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Since XX/XX/XXXX Transunion has been reporting XXXXXXXX XXXX XXXX XXXX as a closed-derogatory auto loan under " Paid in Bankruptcy ''. It was brought to my attention this year XX/XX/XXXX as I 'm currently trying to buy a house. I submitted my 1st disputed online with Transunion requesting this account to be verified and that I have NEVER filed bankruptcy. Result came back unchanged and verified, but I did n't receive any proof of such investigation. I submitted a 2nd disputed for a thorough investigation due to this account reporting inaccurate information since again I have NEVER filed for bankruptcy. 30+ days later Transunion never re-investigated my request and yet continued to report the derogatory information. I sent my 3rd dispute in writing to both Transunion and XXXX XXXX XXXX XXXX requesting them to either verify the accuracy of this account under said " Bankruptcy '' or remove from my credit report. The result came back from Transunion advising that XXXX XXXX XXXX XXXX updated my report to now " Reaffirmation of debt, Paid Repossession ''. In order to have a reaffirmation agreement that 's followed behind a bankruptcy it must be a legally binding contract signed by myself, the creditor, and a judge! Since I 've NEVER filed bankruptcy how could I have a reaffirmation agreement in place with this furnisher. At this point Transunions and XXXX XXXX XXXX XXXX are breaking the law and violating my rights by continuing to deliberately report false information in my credit report.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YOU DID NOT VERIFY MY BANKRUPTCY AS REQUESED PLEASE FOLLOW THE FCRA AS PER THE LAW. PLEASE READ THE RULES AND FOLLOW THEM AS REQUIRED BY LAW. 

Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification. I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 4 ) What was the date of your inquiry? 5 ) How long was the conversation? 6 ) What was the position of the individual you spoke with? 7 ) What number did you call? 8 ) What is the name of your employee or their I.D . number of the person that spoke with directly? 9 ) What number did your employee call? 10 ) What is the position of your employee that spoke to the at the Bankruptcy court? XXXX did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.