davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Bank is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance?

* Did they even fund the account or did you?

* Did you take tax credits?

* Are you the creditor or really just the servicer?

* Did you disclose that you were charging me for the insurance premium to protect against asset loss?

* Did you get your approval in writing agreeing to the amount of the premium as require by law?

* Did you get the insurance payoff prior to charging off the account?

* Is the contract creating the account even valid since they lacked full disclosure and equal risk?

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature?

* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2018-11-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I filed a dispute with XXXX, XXXX, and Equifax credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2018, I attempted to temporarily lift a freeze on my Experian credit file. I was unable to do it via internet or telephone. I was also unable to make contact with a human at Experian to resolve the issue. I was forced to submit the request via U.S. mail. I am in the process of securing a mortgage and time is of the essence.
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

A friend of mine sent me {$450.00} through cash app owned by square Inc . This deposit from a friend 's cash app account to mine occurred on XX/XX/2020 When I tried to transfer the money out and into my bank account the same day I had issues and noticed that cash app locked my account due to what they thought was fraudulent activity. I emailed cash app continuously, for days after this, and followed all of their directions which involved uploading a picture of my ID front and back to them along with a picture of my face holding my ID. I tried to get a hold of them on the phone but they do not have anybody that can answer or talk to you. 

Sometime around XX/XX/2020 I logged in to find my account was deleted and wiped out and no trace of my old account along with no money. Luckily my friend still have the email that said who she sent money to along with my username. Cash app then said I needed to merge my account and I need to send them all the information I could to merge my old account which isn't showing up at all and my new account that I had to create just to get into cash app. 

I would think when you are handling someone's money, good customer service and professionalism is expected. 

All I got back from cash app were generated email responses which were all very generic and definitely not from a real person. I contacted the XXXX XXXX XXXX and filed a complaint. I documented everything I needed to on cash app and sent it to the XXXX XXXX XXXX Not even a day later I got a message in the XXXX XXXX XXXX With an attached response from cash app and it appeared yet again to be another generated response. The response was somewhere along the lines of telling me to do the same thing I've already done many times before this which is to verify who I am and send them a list of details about my old account that mysteriously vanished. I did what was asked once more but did not accept their response and wrote in the response to XXXX  why I don't accept that response. It has been almost two months and still they refuse to talk to me on the phone they wont refund my money or explain what account my money was transfered to. I don't know if the XXXX XXXX XXXX is doing anything about it but it's been about two weeks since I've heard from them. I can also not get ahold of anyone on the phone at the XXXX XXXX XXXX I was told to call the XXXX XXXX XXXX XXXX XXXX but nobody answers or returns any of my calls and I have left voice mails. I do have a record and screenshots with proof that the money was transferred to my cash app. I just want to know where the money was transferred to and why my account is deleted and I want a full refund.
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (AL)

I had {$14000.00} in cash app saved up. And I transfered {$4000.00} successfully and a couple days later cash app suddenly closed my account and said I wasnt following their rules. All I wanted was to purchase a home. So I linked my bank card to cash app to cash out my remaining balance to my bank account and the card I linked was my temp card from my bank so when the money came threw my bank sent it back. Then cashapp said they  closed the issue. And now I cant get anyone to help me. They apparently do this to everyone. Close their account and keep their money
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CT)

On XX/XX/2020 new buyers were closing on my the house I had just sold and I spent the first night in a hotel because the closing date on my new home purchase XXXX XXXX. I worked with XXXX XXXX from Loan Depot through XXXX XXXX XXXX and XXXX XXXX from Loan Depot for Ct. I was mentally prepared financially to spend money from XX/XX/XXXX to XX/XX/XXXX but I wasn't prepared to stay in a hotel until the XXXX. I was suppose to have a government funded loan but I was decline not knowing the reason and had to have a conventual loan. I ended up paying a total of XXXX for spending 2 months in a hotel. I was only suppose to pay XXXX closing on this new house but then was told that I now had to put money down which was XXXX so that was a total of XXXX that I was not prepared for. Here I have this new house and can't afford to buy new things for it. XXXX XXXX had offered for me to stay at his place during this time which I found to be unprofessional and he also offered his XXXX commission her made on the closing but he wanted to meet for dinner. And still haven't received that money. A young lady an underwriter was terminated because she didn't get the paperwork sent out in a timely manner. The communication from the two of them was horrible I have numerous emails from my real estate agent asking for communication and we had to have several extensions with the sellers agent.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

A few years back ( I do not recall exactly ), I received a notice from my Sam 's Club Mastercard about an offer for cell phone insurance protection ( attached is the notice I received ). I do not recall if the notice came in my bill or was sent via email. The insurance coverage included, " up to {$1000.00} in yearly protection coverage ( {$600.00} max per claim, 2 claims per year ) '' according to the notice. To receive the cell phone insurance protection, I had to pay my bill with the Sam 's Club Mastercard. I did this in order to take advantage of the insurance offer. 

Approximately a year after taking advantage of this offer, my son broke his phone. We filed a claim and was ultimately reimbursed for the repair. 

Fast forward to XXXX of this year ( XXXX ), I dropped my XXXX XXXX XXXX XXXX and shattered the screen. I had the phone repaired at a cost of {$520.00} ( receipt attached ). I called Sam 's Club Mastercard to file a claim and was told the insurance was no longer offered. 

I had not seen any notice this protection was discontinued, so I called customer service to inquire. I was initially told by a customer service representative that no notice was given to customers about the cancellation. I asked to speak with a supervisor because I felt this was ridiculous. I eventually spoke with XXXX in customer relations, who informed me that on the back of my XX/XX/XXXX statement, I was informed the insurance was cancelled. 

I ordered a copy of the XX/XX/XXXX statement ( attached ). Upon reviewing the back of the statement, and in fine print, it said this coverage was being cancelled.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

I contacted the collection agency through certified mail XXXX to let them know that the XXXX account that theyre saying belongs to me is not mine and to show me proof why theyre saying it belonged to me. They replied by sending me a bill, so I sent another letter through certified mail in XXXX stating that wasnt proof and to remove that account from my credit report immediately and they never responded..
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

On XX/XX/2022 I requested a refund from Edfinancial Services on payments I had made during the student loan pause as is permitted by the CARES act. The request was for a total of {$2300.00}. 

3 weeks later I've received no confirmation notice that my request is being processed, and they are unwilling to give any timeline for when to expect the refund other than than the US Department of Education is in charge of " the program ''. People I know who requested refunds through Edfinancial at a later date have already received their refunds, and other financial institutions such as XXXX and XXXX XXXX at least provide time estimates for their borrowers. I can call them for confirmation that my request was submitted, but nothing else. 

The fact that Edfinancial is unwilling to provide an estimate for when to expect the refund to be processed, instead blaming the Department of Education when other borrowers have already had their refunds processed and other financial institutions are providing their borrowers estimates, and the fact that they are unable to provide me a confirmation email or receipt outside of calling them directly for any updates is why I am complaining. All of this on top of the recent data breach they were a part of has me concerned with their handling of this situation in my best interests. 

I understand that there is probably an influx of refund requests with the recent student loan forgiveness program announced by the Biden-Harris administration , but its concerning to me that they are unwilling to provide wait estimates or even a confirmation email when borrowers at other financial institutions are seeing their refunds reflected in their loan balance in 36-72 hours.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (FL)

The company, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am in natural person which means my name in ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and Experian are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX a checking account was opened in my name at Bank of America. 
This part of the email I received notifying me of this fraud Your new account is open Great news! The following account ( s ) are open : Bank of America Advantage SafeBalance Banking Account # : XXXX
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (NY)

I sent the company my dispute on { XX/XX/22 }, which they received and investigated on but there was no corrections made and the documents I requested in regards to their investigative process was not provided. I have reason to believe that they conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to AGAIN ask that they provide me with the following information : 1. The date you contacted each creditor 2. The contact information for each creditor 3. The name of the person who verified the items to you 4. The method of communication you used to verify this information 5. Did the creditors provide you with my SSN, address, and Date of Birth? 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts listed on the dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed on the dispute.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am filing this statement to provide an account of the interactions and communications with Capital One regarding the validation of a debt, verification of claim, and the provision of a copy of the contract. 

On XX/XX/2023, I initiated contact with Capital One by sending a formal letter in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). In this initial letter, I explicitly requested the following information : I requested a detailed accounting that explains how the debt was calculated, verification of a signed invoice or lawful claim against me, and a copy of the contract that binds both parties. These requests were made in accordance with my legal rights under the FDCPA, and I awaited a response from Capital One to fulfill these obligations. 

Subsequent to my initial communication, I reiterated my requests on XX/XX/2023, in an effort to ensure clarity and proper documentation. 

On XX/XX/2023, Capital One responded to my requests, stating that they were unable to provide a copy of the contract. They explained that the credit card application had been taken over the phone, and as such, no wet ink signature had been collected for the credit card agreement. This response raised concerns, as it failed to provide adequate validation of the debt and did not address the other elements of my request. 

To further address the matter, I requested verification of the debt once more on XX/XX/2023, hoping for a comprehensive and satisfactory response. 

However, on XX/XX/2023, Capital One once again responded, indicating their inability to provide the requested information. 

Throughout this process, my primary goal was to obtain proper validation of the debt, verification of the claim against me, and a copy of the contract that binds both parties. These requests were made to ensure transparency, adherence to the law, and my rights as a consumer under the FDCPA. 

Despite multiple communications and requests, Capital One has not provided the necessary documentation to meet these legal requirements. As such, this situation has not been resolved to my satisfaction, and I remain concerned about the validity of the debt and the lack of transparency in this matter. 

I believe that the actions and practices outlined above may constitute violations of my rights under the FDCPA, and I am committed to seeking a just and lawful resolution to this issue. 

I respectfully request a thorough investigation into these matters and a resolution that aligns with the principles of fairness, transparency, and adherence to the law.
Consumer complaint received 2022-09-21
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2022-09-21
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: Affirm Holdings, Inc (MI)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AFFIRM INC Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.