davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/XXXX of 2021 I transfer money from my bank account with I think I need to to my cash app out in the amount of {$390.00} to half of spending for an out of town vacation or trip with my kids. When I transfer the money that day later on that night I noticed that {$390.00} was taken out of my account for otherwise emoji or a transaction that I was unaware of. I contacted CashApp numerous times that week and day to have my money refunded and called them numerous times to file a dispute where it was only recognized yesterday after 21 days and the whole dispute process has started thats result in at 45 days in me losing my {$390.00} this is created the economic hardship it has prevented my familyTo be able to survive in every day living. Every time I do a dispute or report any accusations to get out they only email instructions on how do you glad to add and support or disclosures on a process of what to do rather than being able to speak to a live agent in resolving the matter that results in lost or stolen or scam fraud or money. I have been waiting and consistently communicating to have a refund sent back to my car with this company has refilled the system and resolve them to prevent the economic hardship they have calls to my house all financially.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good afternoon, I mailed my landlord a check, # XXXX, in the amount of XXXX in XXXX. This was cashed XX/XX/XXXX. This check was stolen from the mail and fraudulent cashed. I have been in contact with my bank CAPITAL ONE, FOR THE PAST TWO MONTHS. This unfortunate engagement of them commenced on XX/XX/23. I have spoken to NINE customer Service reps, one manager and one Supervisor. NO ONE has been able to resolve my issue, yet shuffled me from person to person. In the past two weeks, I have been LIED TO and told all I needed to do was fill out an Affidavit and submit to the investigator in order to be reimbursed my funds. The manger I spoke to ID number is XXXX and most recently the supervisor I spoke to is named XXXX. They READILY ADMITTED that it was Fraud yet they state the investigator has closed the case and is not seeking any info from me suggesting I was scammed. I WAS NOT SCAMMED. THIS WAS MONEY MUCH NEEDED TO PAY MY RENT THAT WAS STOLEN FROM ME AND MY FAMILY. This has been an EXTREMELY FRUSTRATING, ANGERING, DEMORIALIZING experience clearly exhibiting CAPITAL ONES LACK of concern or care for their customers and their families. I have been a longtime, good customer with a sizeable checking account yet they have shown that means nothing to them. THEY HAVE CAUSED UNDUE STRESS on me and my family, all of which undeserved and indicative of an intuition whose action, and lack thereof, has, at this point, shown them to be self serving. My case number XXXX.
Consumer complaint received 2023-03-15
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: Global Lending Services LLC (GA)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I was scammed when I was in California about a job offer and a company needed to use my bank account to send transfers over. After I realized I was most likely being scammed I tried to stop it but was threatened to send the money. I sent {$5000.00} through cash app and now my bank is holding me accountable for it. I tried contacting the people who scammed me to just send it back and itll be over and they threatened to show up at my house.
Consumer complaint received 2023-03-15
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. (FL)

I have relentlessly tried to fix this issue and for some Ive yet to get a response another response is that theyre unable to find an account for me due to recently obtaining a SSN etc.

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 15USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of above accounts 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 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THEY HAVE ALL 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 2021-08-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (WA)

I had my car broken into while I was out on quick jog. My wallet was under my seat, but the theft broken my window of my car and snagged my wallet. While I was out on the run, they ran to and used my card at various places. I was able to get my funds back, except for with Square that has provided me with poor customer service. They have closed the case, even though it was still in the " investigative process. '' I have supplied them with a police report, documentation, photos, evidence, and approximate time that the theft used my Square card in person at XXXX and XXXX XXXX. They went to the store all within a matter a XXXX min and used whatever they could during that time, this shows and reflects on my account. As of right now, the fraud charges have ruled in " favor of the merchant. '' However, I couldn't get them to confirm or explain to me why it wasn't ruled in my favor. Unfortunately, I can not get them to confirm the police report # I sent month ago, as that claim has ended. The only way to communicate with them is via email and when I respond to that email thread, it said the case was closed due to a 2 week inactivity even though the Square representative told me that it can take up to 45 days for the review process of fraud charges. As of right now, I do not think they actually used the evidence I sent them and it was not represented well on my behalf. I am extremely disappointed in how Square is handling this and I believe that they are not following the legal process. 


Here is the email thread from before : Hello, Thanks for the email! Please see pictures attached of car break in! The two transactions that are fraudulent are : XXXX XXXX XXXX {$51.00} XXXX {$180.00} Please let me know when this information has been received and is being processed. As well as the timeline to get a refund on these items. 

XXXX XXXX sent on XX/XX/21 with photos attached, police reports, etc.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY HAVE ALL 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 2023-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My account was closed without my knowledge and without proper notice. 

Ive had my Kohls charged since XXXX when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive had no issues with my Kohls charge until I moved and I changed my address. 

After I was notified of the issue with my address in XX/XX/XXXX, I contacted Kohls and ultimately spoke with their fraud department. I gave the fraud department my updated address and they updated my account. On three separate occasions in XXXX, I was able to use my Kohls charge with no problem. On XX/XX/XXXX, I logged into the website and paid the total balance on my Kohls charge, which was actually earlier than the due date. 

I then tried to use my Kohls charge online in XXXX and I received an error message. I was told to call customer service. When I call customer service, they told me that I need to speak to an account specialist, who is not available and gave me a number to call back. I called back the next day. I ultimately was bounced around to seven different departments and people. They finally told me that my account has been closed due to my address. They told me the account was closed in XX/XX/XXXX. 

Interestingly, when I went to pay my account in full in XXXX online, there was no notice that my account was going to be closed or that they needed an updated address from me. When I spoke to the account specialist, they all indicated that my account was closed due to not having my mailing address. However, they confirmed that they had my correct address. They repeatedly told me they could not reopen my account and that I should just reapply for a new Kohls charge. I told him this was not satisfactory because I did not want another credit inquiry on my credit report. I also told them that if I were to reapply for a new card, I would be using the same address that they already had on file which for some reason they claimed was an error. 

My account was closed due to an error on Kohl 's part, and nothing that I did. They have had my correct address since XX/XX/XXXX and they let me use my Kohls charge with that address in XXXX and XXXX. I do not understand why they close my account when they had my correct address. I would like them to re-open the same account that I had since XXXX without a credit inquiry. 

I have attached my billing statement from XXXX, which shows my correct address along with the charges. They allowed me to make on my credit card that actually had my correct address. I also attach proof of my payments for the full balance prior to the due date.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NV)

We are receiving XXXX - XXXX calls a day ( XXXX XXXX XXXX ) asking us to call Discovery - Discover card with NO explanation whatsoever We have complained to Discover Card TO NO AVAIL, calls persist every day. 
In our XXXX, XXXX continues at XXXX
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CT)

I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro XXXX, Discover, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX Bank has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
Discovercard XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX am did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day?
Consumer complaint received 2016-09-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Miller, Stark, Klein and Associates (TX)

Miller, Stark, Klein , & Associates contacted me about an alleged debt from XXXX XXXX. They made statements such as pre-legal, civil action, advising their client to move forward. Seemingly in an attempt to imply that they would be taking civil action against me for this alleged debt. They stated that the alleged original debt was with XXXX XXXX for a XXXX card. I have no current delinquent debts reflected on my credit report. Any such debts aged off of all XXXX of my Bureau reports last year, making them in excess of 7 years old. The statute of limitations in my state is 4 years. After a brief search of the Texas Secretary of State database, I found no registered debt collectors under the name they provided me. The Texas finance code states that anyone attempting to collect a debt in the state of Texas must be registered with the Secretary of state. In addition to this, if this is a valid debt, they are attempting to collect on a debt, via scare tactics, by threatening or implying legal/civil action on a debt that is well beyond the statute of limitations in my state. 
They are leaving a call back telephone number of XXXX
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc (PA)

Stuart Lippman located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX keeps contacting me regarding debt that is not mine, nor in my name. I have repeatedly asked them to stop phoning me and they continue to call. I have told them that it is illegal to continue to keeping bothering me about someone else and to please remove my number from their list. I was told they can continue to contact me even though I am not the person they are trying to reach.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at XXXX ), and I was never able to get Trans Union report. The free website would lock up, it was very difficult to use, and the whole process took hours.
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (NC)

My client needed to request a loan modification after the death of her husband. We called the servicer together to get the appropriate package and submission instructions. 
XX/XX/<YYYY>Package was submitted via emailXX/XX/2015, a follow up email sent with copy of package attachedXX/XX/2015-Phoned servicer-Rep stated they had no TPA-NOTE TPA is Page XXXX of PackageXX/XX/2015-Emailed package a XXXX timeXX/XX/2015-Servicer still states no TPA-Pulled TPA, scanned individually and emailedTo date, no acknowledgement of TPA from servicer. They do however keep sending my client information telling her to contact a HUD approved counseling agency ... ( Which I work for!! ) Client states that she is not able to speak with a rep at servicer either.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I disputed a bankruptcy ( public record ) on my Equifax credit report and it came back as verified with XXXX XXXX. 

I have contacted XXXX XXXX in the past and the public record was deleted from their records. 

When I disputed with Equifax it keeps coming back as " verified '' which is incorrect. 

I called XXXX XXXX several times and they cant find the bankruptcy public record on file. 

Therefore, I don't understand how Equifax keep verifying with XXXX XXXX regarding the bankruptcy. Please remove from my credit report due to unverifiable information from XXXX XXXX. the company Equifax keeps going off already investigated results from past disputes. I also included a copy from the county court and XXXX XXXX where it was filed and they don't release information regarding bankruptcy and XXXX XXXX sent a letter stating and verifying they don't have any public records for bankruptcy it has been deleted. 

I have attached proof from XXXX XXXX and County Court Records .... 

Please have Equifax delete the babnkruptcy from my credit report immediately, They're reporting false information.
Consumer complaint received 2016-07-14
Product: Debt collection — Auto
Issue: False statements or representation — Indicated committed crime not paying
Company: ALLY FINANCIAL INC. (TX)

I called Ally at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to Ally Financing That makes it very misleading by Ally to transfer me like that and by North Side Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
Consumer complaint received 2016-03-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect (SC)

I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.