davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (WI)

I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I exited out of my browser and closed the tabs relating to the creation of the transaction ( s ). Re-entered the browser and went back to the tab after closing them down completely along with the app completely. Now unless you want to ask XXXX if this is true as far as diagnostics go then by all means you have my cooperation and that will be at a separate non-negotiable dealing. Each time I was shown the total to be money ( s ) totaling {$10.00}. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX paired with a XXXX XXXX in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality. {>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality. {>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt.
Consumer complaint received 2022-06-10
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)

Capital One, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. 

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default and an opportunity to cure for CAPITAL ONE as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Consumer complaint received 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My loan is almost 2 years old. I noticed this year that my taxes for XXXX and XXXX were not paid. I called them over 14 days ago to find out what was going on since they collect escrow money on my loan. They could not say what happened and told me they would be in touch in 48 hours.

A week later I called and advised no one had contacted me. This time they said it would take 10 days to investigate and that they would take care of the taxes. 

This week I received a letter saying that they are processing my account for an escrow exemption. This comes too late as now there is over {$500.00} in late fee 's due to the county for their negligence. 

I need help please this is beyond unprofessional and I'm starting to wonder if this is some kind of fraud to take my home away.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I called saying that I owned an XXXX XXXX which has two debit cards attached to it. XXXX charged both of those cards for one account. I tried calling Chime and disputing any charges that were doubled from my XXXX XXXX. On the phone the lady and I could only find two charges and then the call dropped. When I woke up my account was closed. I checked my email and the lady disputed every single XXXX charge Ive made in the last 3-5 months. I never authorized these payments but chime closed my account. I have XXXX XXXXXXXX in that account and have bills to pay, otherwise I will be charged with late fees and possibly a lawsuit from my landlord. They say they will send me the money in a month and a half but I have done no wrong. They can check the recorded call of me and the lady or see that the time of the call was only 4 minutes and 27 seconds. I have done nothing to deserve this or my account being closed. I have been a loyal member who has followed all of the rules, I have only disputed payments that were either legitimate fraud payments or errors from any companies that have given me the okay to contact my bank for a refund. I have not broken any rules at all. I personally believe I have been targeted by the company or an employee at the company by being hit with a bunch of unauthorized disputes so that they could close my account or for other reasons unbeknownst to me.
Consumer complaint received 2023-04-05
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. (ME)

in accordance with the Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U, S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-18
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. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 XX/XX/XXXX XXXX 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 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2022-07-18
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. (TN)

I requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by Equifax of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. Equifax again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could Equifax verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

Equifax has committed multiple violations of the FCRA. Please see attachments. 

Additionally, XXXX and XXXX have committed multiple violations of the FCRA concerning this matter. Both XXXX and XXXX have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I submitted my application for a credit card on XX/XX/XXXX and heard nothing from Bank of America. I called on XX/XX/XXXX and they advised that my application was held for review because they needed to confirm my identity to prevent fraud. I confirmed my identity and then sent me to credit. They advised that they would approve and issue a credit card, but then I never received anything. I called again on XX/XX/XXXX but they had not approved. In addition, they advised that they couldn't now decision because my credit was pulled over 30 days ago. I unfroze my credit and called back on XX/XX/XXXX to advise that my credit was unfrozen. I spoke with an analyst and they advised they pulled my credit and once again sent me to confirm my identity to prevent fraud. A few weeks past and again I heard nothing. I called back on XX/XX/XXXX and confirmed my identity yet again and was sent to the credit department AGAIN... only to learn that I was not approved. They requested that they do a hard inquiry AGAIN on my credit to review the application. At this point, after calling in 4x and given the run-around, I no longer trust their customer service AT ALL. I was appalled that this is how they would treat a long time customer at the only bank I have ever banked with. I am a Preferred Customer with a superior credit score and they couldn't approve my application in over 2 months. I am now debating on leaving BofA for XXXX. I will suggest to all of my colleagues in the financial services industry that I work in to utilize any credit card BUT the BofA credit card due to their horrendous customer service.
Consumer complaint received 2024-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NC)

I received a robocall that identified as citifinancial. I have XXXX cards in good standing with CitiBank so I answered. It was a robocall from an unidentified company. I was transferred to someone who identified himself as XXXX XXXX. I informed him that my CitiBank cards were in good standing and he said it was not about a citifinancial account. I asked why the caller id said citifinancial and he would not answer. He stated it was a courtesy call to allow me to avoid be sued. I asked him to provide documentation of the debt. He refused and said I had already been provided documentation. I have not received any written notification of debt owed in over 10 years. Unfortunately, he would not provide the company name nor who the debt was with. He said since I wanted to go head to head about this, he would see me in court and hung up. 
At no time in the conversation did he identify the company nor did he say he was a debt collector. I believe this actually was the same person who has called before that I filed a complaint about on complaint XXXX XXXX. I am filing a new complaint because the phone number and caller ID was different and I am not sure if it is the same person.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (CA)

I signed a 36 month lease with BMW with an option to buy at the end of the lease. From the beginning of 36 months there was one total on the entire vehicle, and there was a separate total counting down {$600.00} a month with each payment I made going towards the total amount of my 36 month lease.

If I chose to purchase the vehicle at the end of 36 months I was given one balance, that was written out in writing. In my contract. I do have documentation of this balance. 

As of XX/XX/2020 my complete payoff balance to purchase the vehicle outright was totaling around {$28000.00}. 

Two months later my car was deemed total because the insurance did not wish to cover the damages of a tree branch falling on the top of the vehicle. They wrote out a check for {$30000.00} and sent it to BMW.

Afterwords I received a notice that I had {$2000.00} added to my total payoff balance.

When I called BMW they said this was added because they wanted extra money for some of the features of the vehicle, after they found out the vehicle had been totaled And being paid by insurance rather than being paid off by myself. 

When I signed my contract I was told that the total of my vehicle was one thing and after they found out it was totaled and going through insurance, they changed the number and are requesting about {$3000.00} extra for the pay off. When in reality they are supposed to send me anything that was paid over from insurance, being about XXXX 

I asked them to show me in the fine print where they can change the payoff balance if it were totaled and I got hung up on.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I've disputed with Prestige Financial Services as well as with the credit bureaus directly. This is for a auto repossession in which the car was sold and the amounts being reported to all 3 bureaus are inaccurate, the dates of last activity are all inaccurate, etc. In addition, I am being hit with late fees and late payments are being reported on a monthly basis on a CHARGED-OFF ACCOUNT. How is this possible? According to the FCRA, all information being reported must be ACCURATE AND COMPLETE. Last time I checked, you can't report a late payment on a monthly basis for an account that has been CHARGED-OFF. 

I was sent via mail my contract and sale statement of the vehicle, as a method of debt validation on XX/XX/XXXX. 
I in return I sent a dispute in reference to the amounts and dates being inaccurate and that by law, this must be deleted from my credit file to the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX with no response as of today. 

Is this legal? This repo is from XX/XX/XXXX.
Consumer complaint received 2022-09-17
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. (FL)

Litigation in process act immediately you are in violation. Ive been trying to solve this problem for some time with your agency and the cooperations and debt collector you allowed to put fraudulent and accurate items on my credit report without permissible purpose I am a victim of identity theft through the Equifax data breach I sent him proof with certified mail. XXXX XXXX XXXX Was open with my written content and its unauthorized use of my social This item should be deleted immediately while in litigation per FCRA guidelines.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was debited approximately {$1200.00} from XXXX from Capital One Bank. I called and filed a complaint, but it was denied. So I spoke to a supervisor, who was very rude and accused me of filing a false fraudulent claim because it was completed by the chip, according to our records. Now I am out a full paycheck in a time of crisis and I dont have any money to pay my bills. Please help me get my money back from Capital One Bank and MasterCard!
Consumer complaint received 2023-04-05
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. (PA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information