davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A. (MN)

I had a credit card account # XXXX from CITI from XXXX until around XXXX XXXX and i requested for a closure on reference account # above through a phone call. They offered me a settlement on the account for the balance remaining. I paid the settlement amount as agreed and I am suffering from the negative report they reported after closing the account in XXXX or XXXX XXXX, I want to request for a validation that the negative remarks CITI continue reporting after closing my account was accurate and not a mistake. I kindly request a proof or validation on this account that the negative remarks were accurate and properly reported or timely delete it from my credit reporting account with XXXX, XXXX, XXXX. Thank you
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

I made a money transfer in western union on XX/XX/2022 to a family member of {$200.00} US Dollars out of the country but they couldnt get the money so i cancelled the transaction and never received the refund and they said that my money never got out of my account but i got proof that it was charged and my bank said to me that in FACT i was charged and CONFIRMED that i never received the refund and also the amount that they charged was of XXXX US dollars when the transfer that i tried making was of XXXX US Dollars Then i called western union again on XX/XX/2022 and they told me that the money was still in their system and told me to call again on XX/XX/2022 because they were reviewing the account and Now theyre saying that my bank is holding the money and that they cant do anything, so i called my bank again and theyre saying that theyre NOT holding my money but that WESTERN UNION still has my money on theyre account, i would really appreciate if this can be fixed, thank you.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (NC)

I received a letter from Comenity Capital Bank, regarding me to finish processing my XXXX XXXX credit card application. I called the XXXX number on the letter, which connected me to a female representative with the Account Protection Team. At no time did the representative mention that the conversation was being recorded, which was unusual for a member of a loss/fraud department. I explained that I did not open a credit card application and wanted to know how, where and when the application was opened? I was told she wouldn't be able to until I provided her with so information. The representative asked for the number below the date on the letter, which I provided. Next, she asked that I verify my first and last name, along with my address which I did. Next she asked for my DOB and SS number. I asked why and she indicated that she needed it to verify my information. When I refused, she provided me with an XXXX number to an unspecified credit bureau and disconnected. Prior to receiving my letter, I received no credit alerts from any bureaus.
Consumer complaint received 2024-02-28
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. (GA)

I am writing to express my concern regarding my funds being held by Square. my account got deactivated onXX/XX/XXXX, i got a mail from square that my funds totaling {$190000.00} has been inexplicably withheld for a period of 90 days, up to this moment my funds is still yet to be released which is causing significant financial strain and hindering my ability to conduct business effectively. 

Despite numerous attempts to resolve this issue through Square customer support channels, I have encountered nothing but frustration and delays. The lack of transparency regarding the reasons for withholding my funds only exacerbates the situation. 

I demand immediate action to release the entirety of my funds without further delay. Furthermore, I expect a thorough explanation for this unacceptable inconvenience, Failure to address this matter promptly will leave me with no choice but to seek legal recourse and escalate this complaint through appropriate channels. I trust that you understand the urgency of this situation and will act accordingly.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

We opened the account in XXXX ; we recently deposited {XXXX} to the account. 

I was notified today - XX/XX/XXXX about a withholding submitted by a NON-Federal Entity, to take our money. We currently have a Lawsuit against the Non-Federal Entity for Falsifying Information, Additionally, and MOST Importantly, the money being deposited to the account is SSDI and US Navy Disability Payments, which is Federally Protected and are NOT Subject to Garnishment XXXX XXXX XXXX XXXX XXXX XXXX  There are Several Other Sites out there, including the IRS and Federal Government Websites, that say the exact same thing. 

IF YOU OWE FEDERAL TAXES - ( I Do NOT ) https : //www.ssa.gov/OP_Home/handbook/handbook.01/handbook-0129.html I do not owe federal taxes, or child support, or anything else that allows for garnishments. 

I have been through this now with another bank, and they were required to return our money as well. 

I provide information to the fact that this money is Disability Money from the SSDI and Military Disability, and they Refused, On a Recorded Phone Call - They Were Informed that the call was recorded, that they refuse to return the money. 

I'm filing this complaint, and I'm contacting our attorney to engage directly if my money is not returned. 

This is becoming a Rampant Problem with Banks. NEVER Checking the Rules, and Just doing Whatever They Want.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following inquiries remains on my credit report after I have told transunion that I was unaware of a few, and the rest I did not receive service for. They have given me the run around with telling me to contact the creditor, and the creditor is telling me to contact the credit agency. The following inquiries are in question : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

I went to XXXX in XX/XX/XXXX-XX/XX/XXXX i graduated with my XXXX degree. when i first signed up for the school the recruiter told me that they where a accredited school i later found out after spending a over a year enrolled with them that was not the case. i was aslo pushed into taking high intrested loans to pay for my time with the school im now over XXXX in debt and un able to pay my student loads facing wage garnishments and struggling to pay for my living expences. navient holds my personal student loans that have an 10 % and a 12 % intrest rate on them. double the fedral rate i hope that some one reads this and i hope that some one can prevent this from happening to some one else. if there are any programs that can help me please let me know and also any pending lawsuits against XXXX i would like to join them.
Consumer complaint received 2018-02-01
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. (CA)

1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give Equifax permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (OH)

Did not receive XXXX paper statement in mail. Confirmed US Mail option is checked. Called cust serv. CSR said that paperless option must be checked. Not true, I 've historically received paper statements and I confirmed before calling Citi that paper option checked. They refused to credit {$25.00} fee. I cancelled this CC account. Very disappointed in Citi as this appears to be fraudulent and a means to a money grab.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NE)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against Experian, XXXX and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (CO)

On XX/XX/2024, Square deactivated my business account without any previous notice and stated that " the decision is final '' in the email they sent me. They did not provide any information regarding why my account was deactivated. I then contacted Square customer support and they said they were unable to give me any information as to why my account was deactivated due to " security purposes ''. They took my entire account balance of {$530.00} and said that I will not have access to this money until XX/XX/2024, if I will have access to it at all. I have only had ONE transaction and JUST started my account with Square when they deactivated my account shortly after. 

Before this, I gave them all of my business information. My business is XXXX XXXX XXXX XXXX and we offer XXXX XXXX XXXX XXXX XXXX. I described my business activities to Square and provided invoices and bank statements supporting this. I also submitted my Driver 's License as proof of identity and ownership of my business. After all of this, they still deactivated my account and did not give any reason as to why they did. 

I am a small business owner who thought that Square payment processing would be helpful and easy to use for my company. I was not expecting to be targeted and scammed by Square itself without any notice or reasoning and to be unable to take any transactions or not be able to access the money that I have already earned. 

I have done research and saw that many other people have had the same experience with Square and them not doing anything to help or alleviate their mistakes. This is outrageous considering how large Square is as a company and how they can take advantage of small businesses using its platform like this. I will no longer be using Square and I will tell every other business owner that I know about my terrible experience with them to prevent this from happening again to others. Also, if I do not get the money that Square is withholding from me, I will get my lawyers involved and take them to court.
Consumer complaint received 2020-07-11
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: ALLY FINANCIAL INC. (NJ)

i purchased a vehicle through Ally auto finance company. When going over the financing application i spoke to a representative from Ally they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. Ally auto finance targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This racist organization needs to be held accountable for their lies and deception
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (SC)

My phone was stolen on XX/XX/22 and numerous of transactions was authorized I didn't have no clue until I got another phone and logged in my XXXX  card was attached to my cash app and someone sent over XXXX to various cash app cash app never took down the transactions for what I said to them or added my police report and other supporting documents I talk to a XXXX from cash app and she assured me the transactions was incorrect I have screen shots of them telling me my documents was added but never was they are rude and hung up on me numerous of times please help me out in this situation no one reached out to nobody in the error at all no investigation was done over loaded images of my police report and the different reasons they have lied about closing my dispute
Consumer complaint received 2018-02-01
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: LD Holdings Group, LLC (CA)

1. XXXX pulled my credi three times - I never gave permission to " Loan Depot '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or Loan Depot. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MN)

After my first 2 years of paying for my loan, I went to make a payment and it doubled. When I called to find out what happened, I was told I 've been making interest only payments and that timeframe just expired. I was very unhappy to hear this because not only did I expire all the interest only options preventing me from using this in a future time of hardship, but it set a very unfair expectation on my budget that I then had to stress to Remanage suddenly. Oh, not to mention, this expectation was either set poorly or not at all from the beginning. In the desired resolution section, I elaborate on their forbarence process and how that works and some very concerning parts of that process where I feel this company takes advantage of its loan borrowers.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2020-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XXXX/XXXX/2020 I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless statements and dispute and this company and the credit buearus have failed to remove these accounts. This is prohibiting me from purchasing a home. I was a victim of identity theft.
Consumer complaint received 2020-10-20
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Call Trans Union customer service they were not willing to help did not authorize inquirys would like credit bureau to provide name number and extension and reason inquiry is not deleted here is a list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (AZ)

So a couple a week ago or 2 my cashapp was close due to me violating cashapp rules so my account was close. I deleted the account and tried to make another account but I couldnt verify my account due to cashapp restriction towards my account I have funds on my old account that I want to access or get but cashapp doesnt help or help me identify my identity. Can you please send me my money.