davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (DC)

On XX/XX/XXXX Square Account Services deactivated my account after advising they were not able to support my business needs. In an email on XX/XX/XXXX, Account Services advised that any funds currently in my account balance will be held for a period of 90 days and released to my on XX/XX/XXXX and that the funds will be available in my bank account within 2 business days. They indicated that the release date and amount available for release are subject to change if they received additional chargebacks. However, there have been no additional chargebacks since the account was closed and unable to process transactions subject to chargeback. I have emailed over a dozen times and they continue to push the date back. Without notice, I am now told I must wait an additional 90 days. Square continues to withhold funds acquired by my business 120 days ago and are legitimate and valid charges.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (DC)

This letter is regarding account # XXXX which you claim my account was late 1 time. Please UPDATE this account to CURRENT on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ) with NO LATE PAYMENTS. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MO)

XXXX is the reference for this complaint for the complaint they sent letters stating the accounts would be removed from credit file. I then went and proceeded to collect the total of XXXX usd in the form of a check. I stated in my affidavit the laws that were violated and what law stated for every violation there is a set fee for it. They sent a letter with their logo on it, stated that I owe a debt and many more violations under the U.S. code 15 subchapter 1692.
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (MD)

This letter is regarding account # XXXX which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Consumer complaint received 2021-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/XXXX I opened a secured flex line of credit with 5/3 Bank using my MM Savings Account ending in XXXX as cash collateral in the amount of {$5000.00}. I went to a 5/3 Branch and closed my secured flex line account on XX/XX/XXXX. As of XX/XX/XXXX i was no longer able to transact on that account. Since the account was closed with a {$0.00} balance the bank is to release my funds off hold in the MM Savings account ending in XXXX, making my available balance back to the {$5000.00} that was on deposit. I have contacted the bank several times and they wont give me back my funds and wont give me any time lines of when it will be available. They are hindering me from using my funds and to make purchases as such.
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I received a Cashapp card in the mail with my name on it, a card number, expiration date and CVV code. I was shocked because I have neither downloaded the app, no or used it nor ordered this card. The card came wit no cover letter or any kind of explanation of why it was sent to me. It only instructed me to download the app and scan the QR code to activate the card. I did not do that. 

When I looked up the company online, I was shocked to discover that there is no customer support or fraud telephone number- only an email address. So I emailed the company advising them that I did not request the card nor do I use CashApp and that I immediately wanted them to cancel the card and report it as fraud. 

I received an immediate response that they were looking into the matter and would get back with me soon. I did not hear from them that day. So I called my bank to inquire if there had been any Cashapp transactions that they could see. Sure enough in XX/XX/XXXX, they informed me that over {$700.00} worth of transactions were attempted against my bank debit card but my bank-XXXX XXXX declined the charges. XXXX XXXX said that the charges originated out of California. And one if the charges was attempted by a person named XXXX XXXX. I do not know a person by this name and certainly have never and will never authorize anyone to open a card on my name. 

Today, someone from Cashapp named XXXX emailed me back and asked me to follow a link and provid the CashApp card information so that she could cancel the card. I told her that I needed a phone call and would not provide any card information via link not access a link. She refused to call or make appropriate accommodations to verify her identity. I offered my phone number and zip code so that she could look it up. However, she said that for security reasons, she could not confirm any account information. 

I did cancel my debit card to which the CashApp card is linked but do not want this CashApp card in my name to remain active. Could you please help me with this?
Consumer complaint received 2020-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MO)

Im trying to to get my money back from a company called XXXX XXXX   which also owns Cash app. They keep taking money out of my savings account in amount of {$160.00} which was from XX/XX/XXXX to XXXX. They would take out like {$7.00} increments for a total of 24 times. I have tried to email and still no results. Can you help me. Im XXXX XXXX XXXX of XXXX, MO Transactions Scheduled Pending Posted Filter Print Transaction Status Date Description Amount Balance XX/XX/XXXX XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX XXXX PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE XXXX CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS XXXX AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX This is a listing of what they kept taking. 
XXXX XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd. (CA)

I received a wage garnishment document from my employer from a debt collector that has been apparently selling an account behind my back over and over for 20 years without my knowledge. I was never served or made aware of these court filings that were taking place for 20 years. I had no knowledge of this account due to the fact that it is over 20 years old. There was never a judgment on my credit from XXXX like the garnishment states nor was the account ever on my credit as a repossessed vehicle. I do not owe anyone {$65000.00}. Ive never purchased a vehicle that expensive before. I am a XXXX mother of XXXX children with no family or help and can not afford a wage garnishment. I pay 100 % of all expenses for three people on a very minimum salary. The statue of limitation is almost run out on this account TWICE based on California State laws. Im not even sure why Im receiving this garnishment or if it is even legal for creditors to constantly sell a 20 year old account over and over and for them to try to garnish your wages after two decades in California. I am disputing this very old debt claim and the amount is absolutely outrageous for a account that is over 20 years. I was never made aware of these proceedings. I had to reach out to the company on the letter from my employer they never reached out to me about this.
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (NY)

A few days ago I place a disputing with Equifax and XXXX into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my permanent XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.
Consumer complaint received 2021-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (AL)

Account was closed with NO activity since XX/XX/XXXX. Lender false claims that payment was made XX/XX/XXXX in order reopen account. There has been no activity nor payments made to this account. 
Account is XXXX XXXX XXXX XXXX  old I requested through XXXX XXXX to have this CLOSED account removed. T. D. Auto Finance has made false claims of activity in the form of a payment being made to the CLOSED account in order to reopen account and collect a debt not owed.
Consumer complaint received 2021-08-21
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: EQUIFAX, INC. (CT)

i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to.

Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 

the only document i received from XXXX XXXX XXXX does not validate a debt. i have attached it to the complaint for the review of the CFPB. 

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT.

United States Court of Appeals, Ninth Circuit.

Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-
Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine
Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant.

Nos.04-35563, 04-35795.

Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.

Court of Appeals of Indiana. 

XX/XX/XXXX. 

Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant.

Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 



ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Consumer complaint received 2021-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. 

Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 

the only document i received from XXXX XXXX XXXX does not validate a debt. i have attached it to the complaint for the review of the CFPB. 

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. 

United States Court of Appeals, Ninth Circuit.

Linda L. CLARK ; Jerry V. Clark, Plain
tiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees.
Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795.
Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana.
March 26, 2001.

Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant.

Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee.

ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Consumer complaint received 2023-07-06
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.