davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc. (TX)

REVOLUT TECHNOLOGIES INC blocked my account three times and I was not able to check the balance, transfer money, purchase cryptocurrency, etc. 

The first time was on XX/XX/XXXX and the account was abled to be unblocked on the same day after I submitted the paystubs and bank statements for the last three month. 

However, one week later on XX/XX/XXXX, my account was locked again and asked me for the very same information as last week. I submitted the info immediately and asked for the reason my my account was blocked again. The account was unlocked on the same day but no reason was provided. 

On XX/XX/XXXX, which is 11 days later, my account is locked. This time Revolut did not ask me for any information but saying the account was under review. I tried to message Revolut multiple times from XX/XX/XXXX to XX/XX/XXXX but no meaningful information was provided but replying with standard messages. Sometimes Revolut even ignored my messages. 

I have around {$5000.00} balance and {$2500.00} worth of crypto currency in my account that I could not move for 2 weeks. Revolut is applying for a bank license in this US but what Revolut doing does not make it a bank that could satisfy customer needs. I am always willing to provide the information to get my account unlocked but this time my account was put on hold for two weeks without asking me for any information.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery debt collection has been continuously harassing me! They call me multiple times a day, sometimes over 5. They call at all hours and every day of the week. Ive tried to get the original company info and they havent responded to me. Ive asked them to stop calling me and they respond with abusive language.

Every day they call i tell them to stop or Ill contact a lawyer. I have all the dates and times they call me on file.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/year> at XXXX EST i woke up to find my cash app account to be closed due to violating terms of service and cash app won't give me a reason why my account was closed and they didn't send me an email or a text message to give me ample time to withdraw the remaining funds i had in my cash app account, i had XXXX $ remaining in my balance, being that my account was closed I was unable to use my cash app card to withdraw the funds that were remaining in my cash app account, so I transferred the XXXX $ from my cash app to an external account which would be my XXXX account and cash app charged me a XXXX $ transfer fee so the total amount that was transferred to my XXXX account was XXXX XXXX so i immediately checked my XXXX account to see if the funds were available in my XXXX checking account because it was an instant transfer well it just said pending unclaimed transfer on my XXXX account and I canceled it so the funds would go back to my cash app account ; but my cash app account is closed so the funds that XXXX reversed back to my cash app account won't be able to come through because the cash app account is closed. There is no money in my cash app account and there is no money in my XXXX account and I have contacted XXXX and they have confirmed the transaction has been canceled and I have screenshots and transaction ID numbers providing proof that the funds were canceled and the funds were never received. The XXXX $ should of been returned back to my cash app but cash app is stating that the funds won't show up in my account because the account is closed. Both paypal and cash app won't help me and I have spoken to the branch manager. The XXXX $ is floating around somewhere and that was all the money I had to my name to use for gas to put in my car and food because I just got hit with Hurricane Milton and my town is devastated. I do not know what to do about this situation and I have all the screenshots and proof of everything including the conversations with Cash app and XXXX. I even did alot of research and have read that cash app is able to temporarily reopen my account so that I can recover my funds but cash app is refusing to do so.
Consumer complaint received 2021-03-30
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. (CO)

My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. XXXX XXXX did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, XXXX  and TransUnion on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

Dear CFPB, I am writing to file a complaint against Cash App for closing my account without sufficient explanation. My account was closed on XX/XX/2023, without any prior warning or notice. I have attempted to contact Cash App 's customer service multiple times to inquire about the reason for my account closure, but have received no response. 

I believe that my account closure was unjustified, as I have always used Cash App in accordance with their terms of service. I have never engaged in any fraudulent or illegal activity, and have always been prompt in paying my bills and transferring funds. 

I would appreciate it if you could investigate this matter and help me to resolve it as soon as possible. Please let me know if you require any further information or documentation from me. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (IL)

NCB management services, account number XXXX I have filed an identity theft report, I have asked this company to cease & desist all communications which they havent, I have asked this company to provide me with contract signed by all parties involved in this debt which they havent, this is a third party company I have no original contract with and my information have been sold to this third party company against my will and without my consent my consumer rights are knowingly violated by all parties involved in this account debt, this company also continues to contact me after I demand them to cease and desist all communications with me. 15 USC 1692 ( c ) ( a ), 15 USC 6802 ( B ) ( 1 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( b ) ( 2 ), & 15 USC 1692 ( g ) ( b ) have been violated by this company. My last request for this company to cease & desist all communications with me and I demand this company to delete or request to delete this account from all 3 credit bureaus immediately and this account is under investigation and this company will be subpoenaed to civil court
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on my credit report?
Consumer complaint received 2021-04-02
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: Santander Consumer USA Holdings Inc. (AZ)

Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Associates has used abusive and illegal collections tactics to collect a debt they can not verify with any documents. There is no contract or record of me signing anything. Portfolio Recovery Associates are reporting I owe them a debt of {$480.00} that has fluctuated in the past. The credit reporting agencies have no record of payment history, date of last payment, date of last activity or any information other than collection opened XX/XX/2018. That date has also changed in an attempt to re-age and extend the time they can report their false claims. Portfolio Recovery has broken the law and violated my rights.. Portfolio recovery has violated my right to choose how I would like to be contacted and violating FDCPA 806. Harassment or abuse.There is no date of last payment or last activity or any information linking me to a debt other than dates that constantly change. This is a violation of FDCPA 807. False or misleading representations and 605c .Running of Reporting Period :. Despite several attempts of reporting these violations to the 3 major credit bureaus. Nothing was done to preserve my rights. XXXX seems to have closed the account, but has not deleted as I requested. XXXX and XXXX are reporting the account in collections despit not having any supporting documents, payment history, signature or contract. I request that this account to immediately be removed.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

Dear Financial Bureau, Consumer Services, I am writing to file a complaint against Wells Fargo regarding overcharging on my vehicle loan. I have recently discovered that Wells Fargo has been overcharging me for my vehicle loan by adding unnecessary fees and charges to my monthly payments. 

Upon reviewing my loan statements, I have found that there are several charges that were not properly disclosed to me at the time of signing the loan agreement. These charges include but are not limited to, application fees, processing fees, and other undisclosed charges that have resulted in a significant increase in my monthly payments. 

As a customer, I feel deceived and taken advantage of by these excessive charges. I believe that Wells Fargo 's actions are in violation of fair lending practices and have caused me undue financial hardship. 

Therefore, I am requesting a full refund of all overcharged fees and charges. I would appreciate your assistance in resolving this issue as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX for XXXX XXXX account # for Experian XXXX for XXXX XXXX XXXX XXXX- account # XXXX for XXXX account XXXX for Experian XXXX XXXX # XXXX XXXX XXXX account for XXXX # XXXX XXXX account # for Experian XXXX for XXXX XXXX XXXX XXXX account XXXX XXXX for XXXX, account XXXX for Experian XXXX XXXX XXXX XXXX XXXX account number for XXXX # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX for XXXX account # XXXX for Experian for XXXX XXXX XXXX account # for XXXX, for XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I was checking my credit alert to make sure the freeze was still active when I find out the Citi bank authorize a credit card in my name with informing me was it my account., one card was target store credit other was sear credit card in XX/XX/XXXX I live inXX/XX/XXXX and car loan I do n't drive am was a victim of a major bleach and identity thief access my personal information to dteal inonly have one card and never applied for any credit there was a organization I once attend call housing work that I believe s this fraud started the CEO a thief and by I never trust by him he deal with organized criminal and cyber hacker he no trustee of my no lawyer and time many court case against him I never give over any power of attorney and don't do charity fraudulent covid charity may be at I don't do charity and ask for a full investigation I live in public housing program and s place were people who known for cyber crimes tenent that not resident of the building ilegel renting to people be that do crime against citizen and s car jacking ring reporting this because safety and Americans right I defend.and if it take stop thief I will am a victim of a crime, and cyber stalking.
Consumer complaint received 2021-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XXXX the owner and I, co-owner, made an accidental payment to our county taxesmistaking it was the ones we had to pay. We are new homeowners and we made a mistake. 

Between XX/XX/XXXX -XX/XX/XXXX, weve spent countless hours with Lakeview Loan Servicing trying to get our refund. Our county had sent out a check to our lender in which our refund is included. The refund from the county is supposed to fall in out Escrow account in which we were told by an agent XX/XX/XXXX to submit a bank statement where it shows that the payment was taken out. I sent that immediately over with the details of the check number the county provided and the date that they sent that check over to this Mortgage Lender. 

I followed up on XX/XX/XXXX an agent told me that there was no such thing of them doing that! Seriously?! Almost every agent I spoke to contradicts themself, the company refund procedures, etc. Mind you, I spend a good hour of waiting to speak to someone, who then transfers me to someone else that takes an additional 30 minutes or hour again. The agent that I spoke to on XX/XX/XXXX referred me to speak to the county again and confirm everything again. Theres nothing else they can do as they gave me proof of payment on their end. I got transferred to a manager that ended up getting me transferred back to an agent who couldnt help me and gave me the run around again. 

Ive been waiting since XX/XX/XXXX to get my refund. Still, nothing. I want answers, professional assistance and to finally have my refund.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NC)

Continental XXXX : reported a charge off. On my account at 120 days. But wasn't suppose to close account until 150 day. I called and paid account which rep. Didn't tell me the account was close. And if i pay my card will be ready for use. The next day i called to try to get late forgiveness to remove late payments to my credit report. The rep told me it was charged off. So i reported it to the bbb. And the supervisor listened to the recording of me and rep. So they decided to remove the charge off and reverse my account from charge off back to open and paid. Not report a new account. That dropped my score 70 something points for a new a account and the charge off is still reported. On my credit report and when i disputed it. It came back as change off with experian. Even though it has been reversed
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (WI)

Cavalry Portfolio Servic is reporting that I owe {$3500.00} to XXXX. I called XXXX, who I never had an account with and tried to find out what was going on. XXXX checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. XXXX said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to XXXX as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (CA)

I wrote a letter to the company to please remove my derogatory remarks and was denied. I don't know the exact date but I sent the letter to the corporate headquarters.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.