davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I received an email Alert from Experian, stating a new payday loan has been found associated with my identity. No further info was provided. Experian online site suggested locking my Experian report and freezing XXXX and XXXX reports. STILL NO INFO GIVEN REGARDING LENDER NAME, LOAN AMOUNT OR LOAN DATE. Yet site suggested contacting Lender if loan isnt mine. When I called Experian, I was transferred to at least 3 different agents. All told me I had wrong department, transferred me back and forth until I hung up, and refused to tell me identity of Lender. Between agent accents and technical noise I could barely understand what was being said. I do know I was told to contact Lender but nobody would tell me who the lender is, stating that is sensitive information. I didnt take out a Payday Loan, therefore how can I contact an unidentified lender? My credit scores are very high. I do not want to lock my reports without relevant information. I insist Experian provides me with the loan information - Lender name, loan amount and loan date.
Consumer complaint received 2017-04-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2017 shortly after XXXX I checked my citizens bank checking account. I noticed a charge in the amount of {$1200.00} as pending. Because I did not authorize such a transaction I called the Citizens Bank customer service which informed me that there was a debit card transaction for the said amount processed at XXXX on Monday XX/XX/2017. I told them that I did not authorize any such payment and that this was a fraudulent transaction and if they could please stop it. Customer service told me that they will not stop this fraudulent transaction, that the charges were initiated by XXXX, and if I wanted I could call the XXXX to stop the transaction but they did not have a phone number for XXXX. I then called the fraud prevention department of the Citizens Bank. The representative told me essentially that they will not stop the fraud, and I was welcome to file a complaint with police. 
I did no given my debit card number or in any way or shape authorized XXXX to charge my account. My card was always with me. It is very likely that XXXX illegally obtained my debit card number, its expiration date and security code either by breaching the security system of the Citizens ' bank but most likely obtained these information through a corrupt employee ( s ) of Citizens Bank. By refusing to stop this fraudulent transaction as it was happening, the Citizens Bank enabled the fraud.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Sat. XXXX XXXX, I noticed that a check had been cashed in the amount of {$5500.00} against my checking account. The check that I wrote was paid to XXXX and the amount was for {$130.00}. The check had been dropped in a public mail box and was stolen. The check had been altered and paid to someone that I do not know. I usually check my checking account daily but I didn't check my account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the bank on XXXX XXXX at approx. XXXX XXXX  to report it. I was told to file a police report and to also contact the XXXX XXXX. I did file reports with both. On XXXX XXXX, I received a letter from the bank stating that the check had not been altered, but even XXXX XXXX can see that it had been altered. On XXXX XXXX, when I contacted the bank, I was told that I would receive the money after XXXX - XXXX business days. XXXX XXXX, when I contacted the bank I was told that I would receive the money in XXXX - XXXX weeks. I filed a Declaration of Altered Endorsement, sent a copy of my check register, police report, XXXX XXXX  with the original amount owed. XX/XX/XXXX, I was told that I would get a provisional credit in XXXX XXXX XXXX days. XXXX XXXX, I received a letter stating that the bank was awaiting a response from the other bank where the check was cashed. XXXX XXXX, I was given a claim number. XXXX XXXX, I was told I would receive the money iXXXX XXXX XXXX XXXX weeks. XXXX XXXX, XX/XX/XXXX, I called the bank once a week. I was told that someone would contact me on XXXX, XXXX. I was going on XXXX  XXXX, XXXX - XXXX. This was supposed to be my XXXX  money, I had to dip in my savings again. No one contacted me on XXXX, XXXX, I went to the bank and still nothing. I have a serious problem when the bank doesn't do what they say they are going to do. I have to leave work early in order to go into the bank during the week because of my work hours or I have to wait until XXXX. I was told on XXXX XXXX that it would be resolved mid week the following week. I was contacted on XXXX XX/XX/XXXX, still nothing. I was contacted by the bank today, XX/XX/XXXX but still nothing. I have had it. I didn't do anything wrong, just tried to pay my XXXXXXXX XXXX Hopefully, I spoke to the tellers and all of the bank representatives kindly, but it is hard. You keep hearing I'm sorry, but I'm sorry doesn't pay the bills. My family vacation would have been ruined if I didn't have savings. It got to XXXX XXXX I said up front, please don't tell me you are sorry. That really hits XXXX XXXX  XXXX  It has been XXXX weeks and I am still waiting. I am past frustrated, I'm mad now. What is FDIC for? What does it mean?
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

NetSpend has questionable business practices. I noticed my balance dwindling so I called to clarify the unauthorized charges that appeared to be mistakes. 

I was not informed of the {$2.00} charges for ATM usage. Then I noticed {$1.00} fees which did n't make sense which they later stated was due to my card being declined at the ATM! 

Why would you charge someone who did n't have enough funds to withdraw money in the first place? None of the fees were I made aware of until it occurred. This company is very shady. Please investigate further.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (CA)

I payed off the Debt of {$160.00} to XXXX since Amsher Collections told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on XXXX only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to XXXX to remove the inquiry. Please someone help me reach out XXXX  for them to fix their broken system.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After being denied credit I checked my credit report I noticed an account with Bank of America. I 've reached out to Bank of America via certified mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 've requested validation of a debt that I do not recognize. Upon the letters sent I have yet to receive any signed contracts from this company, only computer generated statements. Also BOA did not place a " notice of dispute '' on my credit report after my initial contact of XXXX/XXXX/XXXX. They are in violation of FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ) by not placing the disclosure within the 30 day period. I only received a letter from BOA stating a date the account was opened and the balance ; no signed contracts as requested in my letters.
Consumer complaint received 2017-09-05
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: Experian Information Solutions Inc. (FL)

To XXXX, Experian, and XXXX this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4.  XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX, Experian, and XXXX. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Garnishment assigned and no verification of debt received from attorney as asked for. 
Garnishment is from XX/XX/XXXX and then again XX/XX/XXXX {$2000.00} Call place XX/XX/XXXX and was informed they would send verification of many owed, never received, Attorney states they sent letter XXXX with a response. I have never heard from this attorney. Garnishment collected twice XXXX XX/XX/XXXX and said completed Writ og garnishment Doc Id XXXX, Case XXXX I remember having a capitol one card 20 years ago, my husband has one now. Name on ganishment is not spelled right. I was informed it did not make a difference the person was me. I told them that is not how I spell my name described to them I haven't had a credit card for them in 20 years. They informed me it was to late and this will continue as a garnishment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference number XXXX Capitol One Bank # XXXX
Consumer complaint received 2017-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I contacted Bank of America several times starting in XXXX XXXX requesting the company to give me half of my remaining rewards, because I had closed the account at the beginning of the year. 
The bank told me I needed more purchasing to earn the needed XXXX points and only had about XXXX. I suggested they send me a gift card of {$12.00} to show fair business practices, they refused to do so. I can show and state that XXXX XXXX sent my remaining points in a small check to demonstrate good business practices. Bank of America does not demonstrate any of the usery law features to their customers. 
It is unfair all my points go into an " abyss '' and they benefit from all the thousands of dollars I spent on this credit card ...
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Violations 34 CFR 685.215 Discharge for false Certification of Student Eligibility or unauthorized payment. 

34 CFR 300.302 Screening for instructional purposes is not evaluation Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I had a secured auto loan through XXXX XXXX XXXX. 2 of the 3 credit bureaus Equifax and XXXX   both showed that the account was closed as an owed debt and that the debt was purchased by another debt collector. I disputed this with them because that was not the case. The account was opened at a term of 14 months. All 14 payments were made and the account was paid in full and i satisfied that debt. I informed both companies that they had incorrect information. Instead of investigating and fixing the issue they just deleted the entire account. I would like this corrected and have it put back on my credit report paid in full.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

I am contacting the Consumer Financial Protection Bureau to report a fraudulent transaction of {$600.00} from my cash app account, identified by XXXX-like characters in the description. 

This unauthorized withdrawal has severe repercussions for my livelihood, jeopardizing my ability to pay bills on time. 

Despite notifying Cash App immediately, I was informed of a delay in initiating the dispute process, exacerbating the urgency of this matter. 

I urgently request the Bureau 's intervention to expedite the investigation and safeguard consumers from similar fraudulent activities in the future. 

Attached are screenshots of the transaction details for your reference. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I sent two postal money orders to bank of America, but the money orders did not show up on my deposit statement. ( 2 ) I sent them a XXXX money order and they sent it back because they told me they are any good to their business. My car was repossessed but the week before they pick up my car I called bank of America to make sure my payments were up to date and I was told everything was fine. I had receipts for the deposits I had sent and showed them to the reposessor and to bank of America but they did not accept them and my car was towed away. I have been having trouble with this particular bank for the last 2 months. Its as if they are targeting my account with employees or the money order got lost in the mail. Three money orders at different dates and times should not have been lost but it is possible. If it was up to me and they are guilty of negligence, I would have bank of America pay the total cost of the car I was paying for and money for damages. I hope I have written in time to keep others from having the same problem.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XXXX XXXX 2017 - I wired a balance of {$3000.00} from my CoinBase/XXXX Account to my XXXX XXXX Checkings account. The transfer is labeled as completed however my transfer never came in. 

XXXX XXXX is not responsible as the transaction has not been initiated. The funds remain under XXXX XXXX however the transaction is shown as complete. 

I 've emailed support.coinbase XXXX different times. I have opened cases with them and it 's been XXXX business days and I have not heard back. I also opened a twitter account to direct message them about the issue and I 've been ignored.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

This week, I received mail from a company called " Cash App '' with a " cash card '' ( which is essentially a credit/debit card ) in my name. 

I have never applied for a card through Cash App, nor have I ever used its mobile app. 

With all this in mind, I called Cash App 's customer service number, hoping to get some answers. The first representative hung up on me after I started asking questions about the account. The second representative took my email address, and stated she couldn't answer any of my questions until I filled out a questionnaire, which would be sent via email. I did receive an emailed questionnaire, which I promptly filled out and sent back to Cash App. Throughout the week, I have been emailing Cash App for an update/resolution on this matter, and have not heard anything. 

Given the circumstances, I'm reporting Cash App to the CFPB, as I believe I've been scammed, and my financial/private information is now fraudulently being held by this company.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica (MA)

I requested to close my checking account on XX/XX/XXXX when it had a {$5.00} balance. I was informed that I couldn't close my account until my balance was at {$0.00}. This is ridiculous, as then I was charged a {$13.00} maintenance fee on XX/XX/XXXX bringing my balance to - {$8.00}. Comerica bank was unwilling to close my account when I requested, and now is holding me liable to the fees charged since my account is not at a {$0.00} balance. I requested the closure of the account before the fees. The requirement that the only way to close an account with a non zero balance is to visit a branch is predatory and ridiculous. If it can be done in person there is no reason it can't be done online or over the phone.
Consumer complaint received 2021-06-23
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: Experian Information Solutions Inc. (NJ)

RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX  XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

Please help.
Consumer complaint received 2021-06-23
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: Resurgent Capital Services L.P. (CO)

I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company XXXX XXXX XXXX now has replaced the same invalid account on my credit profile. This account should be removed at once.
Consumer complaint received 2021-07-01
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. (PA)

XXXX  XXXX XXXX  has continuously charged late fees without any notice. 

The credit card does not get used, therefore I only get notices that there is a late payment through my credit report. 

By that time its too late. 

Zero letters, Zero phone calls, Zero notifications made by XXXX XXXX XXXX  to rectify balance. 

Dates charged : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I sent in a dispute letter to all Credit bureaus XXXX, Equifax, and XXXX  on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.
Consumer complaint received 2018-03-23
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: TRANSWORLD SYSTEMS INC (GA)

A derogatory remark from XXXX was added to my credit report in XX/XX/XXXX. The remark is being reported as a new collection account for something that is old. It is listed that the account was open in XX/XX/XXXX. 

I contacted the company and was advised that the account was closed in XX/XX/XXXX. I spoke with three people ( a rep named XXXX XXXX, a supervisor named XXXX XXXX and a rep in credit named XXXX XXXX ). Neither of these people offered assistance in trying to resolve my concern. This company wants me to pay a debt and wait seven years for it to fall off of my report ( at that time it will be a 12 year old debt ). 

The account appears to have been assigned or sold to another company and this company is reporting it as a new debt. They are not willing to correct my report.
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (TX)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of $XXXX that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you cannot provide adequate documentation showing that I have ever done business with Security Credit Services with my signature on it than you must remove this negative tradeline from my credit report at once. Once again you do NOT have permission to contact me by phycial mail, e-mail, nor phone.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One account XXXX that was opened in XX/XX/XXXX. My pay history shows late for XX/XX/XXXX - XX/XX/XXXX. I paid account full without any late payments.