davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (VA)

Where is my missing FHA mortgage payment history for XXXX, XXXX, XXXX, and XXXX. I paid thousands of dollars of on-time FHA mortgage payments for those years, and my money ( XXXX XXXX XXXX XXXX XXXX ) IS NOT recorded. The history of thousands of dollars is missing. Where is my money? I paid my FHA mortgage on time for years with no missed payments. I expect for all of my thousands of dollars of payments to be recorded on time accurately. This is my XXXX credit report which takes my monthly payments and calculates it into my credit score. Stop illegally cheating me out of my excellent mortgage payment history on my credit reports and credit scores. This is the last time that I will ask. I can only take this higher. 
This is my right under the federal legislation, The FAIR CREDIT REPORTING ACT, 15 U.S.C. s. 1681 et seq.. This is also my right as an on-time mortgage, paying homeowner.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

ON XXXX MY WIFE GOT A FRAUD ALERT ON HER PHONE FOR THE AMOUNT OF {$1400.00}. IT WAS A TEXT FROM CHASE BANK. IT STATED WE DECLINED {$1400.00} WITH CARD ENDING IN XXXX AT XXXX TEXAS. WAS THIS YOU? WE IMMEDIATELY TEXTED BACK NO. 

I LOOKED INTO MY BANK ACCOUNT AND I DID SEE ANOTHER CHARGE FROM XXXX TEXAS FOR THE AMOUNT OF {$560.00} THAT WAS PENDING. SO I CALLED CHASE THAT MORNING ON XXXX AND TOLD THEM THE PENDING AMOUNT WAS ALSO FRAUD. 

CHASE OPENED AN INVESTIGATION AND GAVE US BACK THE {$560.00} TEMPORARILY. 

I THOUGHT THIS ALL WAS HANDLED UNTIL YESTERDAY XXXXXXXX  WHEN THEY TOOK BACK THE AMOUNT OF {$560.00}. 

WHEN I SAW THAT I WENT STRAIGHT INTO THE LOCAL CHASE BRANCH ON XXXX XXXX AND XXXX XXXX. I WAS TOLD THAT MY CASE WAS DENIED BECASUE XXXX HAS EVEIDENCE THAT MY WIFE AND I PURCHSED THE TICKETS AND WERE AT THE PARK THAT DAY ON XXXX. 

I ASKED FOR THE EVIDENCE AND WAS TOLD TO CONTACT XXXX. THAT WAS 2 HRS I WISH I HAD BACK BECAUSE XXXX COULD'T FIND ANYTHING FOR ME. 

I ESCALTED THIS WITH CHASE AND THEY SAID MY CASE WAS CLOSED. 

I HAVE VIDEO EVIDENCE AND A PAPER TRAIL THAT BOTH MY WIFE AND I WERE IN ARIZONA ON XXXX. THAT DAY WAS ALSO MY XXXX OLD SONS FIRST DAY OF SCHOOL. WHICH MY WIFE TOOK HIM AND PICKED HIM UP. AND I WAS AT WORK THAT DAY AS WELL. 

WE HAVE NEVER EVEN BEEN TO TEXAS. AND WE WOULD NEVER BUY XXXX TICKETS. WE PERONALLY DON'T BELIEVE IN ORCAS IN CAPTIVITY. 

THANK YOU FOR YOUR HELP ON THIS, I DON'T KNOW WHAT ELSE TO DO.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/year>, I was in my XXXX  during this time and when I came home, I just noticed a pending amount of {$1900.00} in my account. The transaction is under my Apple credit card Which is owned by Goldman Sachs And the purchase was made online via XXXX  XXXX  and the item that was purchased is also an XXXX XXXX. I notified the Credit Card right away as soon as I saw the unauthorized purchased. Few minutes later, the same card was used again for amount of {$100.00} but this time the transaction was cancelled since I already made a phone call. And on that same day, my phone got blown up with spam messages. I also called and ask XXXX to provide me the information regarding with the purchase since this was made via XXXX XXXX, I asked them if they can help me provide the location of where, what state and which store was the item picked up and all they said is that its beyond their capabilities and I have to provide them an order number which I cant provide because I didnt make this purchase. My Apple Card is link to a different email while the notification for the purchased was sent into my other email. I tried to dispute this for the fourth time but, seems like the credit card company is not doing anything to resolve this problem and at the end of the day, they always end up putting back the charges on my account and said that theres no error found, and I am responsible of paying this amount. I am beyond frustrated Over this, it Never happened to me before and I dont know what else to do aside from trying to tell the credit company that they have to do their part and investigate this matter.
Consumer complaint received 2024-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc (TN)

They continue to try and impact my credit negatively and will not be paid for this false balance applied against me. I have proof of identity theft dating back much earlier and they refuse to acknowledge any of my paperwork. XXXX getting phone calls constantly and attempts to extort me are being ignored due to it not being my debt.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (LA)

In response to CFPB complaint number # XXXX - XXXX, my name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Spring Oaks Capital SPV LLC for violating a cease desist notice they received XX/XX/year> and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice. 

Exhibit A. which is a copy on my XXXX Report consumer report, Exhibit B. which is copy of their response to CFPB complaint # XXXX XXXX XXXX and a XXXX  of an FTC report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint, SPRING OAKS CAPITAL LLC # XXXX and Reference No. - XXXX stated with its purchase of the account, the current owner who is SPRING OAKS CAPITAL SPV LLC # XXXX aquiried all ownership rights, including the rights to collect on the account. But I never contacted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1691g ( c ). I have not validated any alleged debt with Spring Oaks Capital SPV LLC and my failure to dispute the validity of these alleged debt shall not be construed as an admission of liability, SPRING OAKS CAPITAL SPV LLC stated that on XX/XX/year>, XX/XX/year>, XX/XX/year> that the previous disputes were mail to the same address provided in this complaint including the account documentation a copy of the Bill of Sale reflecting our purchase of the reference and the assignment documents reflecting the subsequent transfer to SPRING OAKS CAPITAL SPV LLC. As well As a breakdown of charges and credits As of XX/XX/year>, I have not validated any alleged debt with receive any documentary evidence, such as a Trilateral contract, giving SPRING OAKS CAPITAL SPV LLC any right to collect on this alleged debt, It is my belief that SPRING OAKS CAPITAL SPV LLC are attempting unlawful extortionate means activities and theft by deception by attempting to furnish false and deceptive forms. SPRING OAKS CAPITAL SPV LLC also stated they disagree with assertion contained with this complaint related to their handling of the reference account # XXXX. I have never received any documentation requesting validation from SPRING OAKS CAPITAL SPV LLC, Before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If SPRING OAKS CAPITAL SPV LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, consumer, prior to furnishing it on my consumer reports, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my financial reputation. Account # XXXX, Reference No. # XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OZK (IN)

i inquired about a loan with one company for a pre-approval with no impact to my credit, only a soft pull is what I was told then got an alert 2 days later that there were three new inquiries on my credit I gave none of these companies any written or verbal consent to run my credit.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NY)

A scan situation happened around XX/XX/XXXX i have been in contact with my bank about it, opened two disputes which are both now resolved. First dispute ( which included the CashApp transaction ) was claimed as resolved and they were able to give me the CashApp money back. However, around XXXX weeks ago, CashApp withdrew {$400.00} from my bank account and now im overdrawn {$400.00} but my bank had given me the money I had lost & claimed the dispute as resolved. Cashapp states they arent able to do anything and its final decision. Im extremely confused because I should NOT be getting {$400.00} withdrawn from my account, CashApp is being extremely unhelpful and unfair right now- i have a police report about this investigation and disputes were opened, its odd that my account is withdrawn a month after the situation. Ive had XXXX knowledge that they were going to put my account in the overdrawn which is again unfair because i thought my situation was resolved XXXX weeks ago.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (TN)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.cash.app. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX Based upon the understanding that www.cash.app is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to CashApp. Unfortunately, as of the date of this complaint, www.cash.app refused to provide the requested information upon our justified request. By refusing my request, www.cash.app failed to provide the required information about the VASPs hosting the beneficiary wallets, which I have made a series of transactions, www.cash.app does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.cash.app represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I attempted to link my XXXX XXXX  checking account to my Citi savings account and my online banking app became blocked and told me to wait 24 hours. I contacted Citi bank customer service who told me to wait 24 hours and I just be promoted to change my password and the lock would be removed. On XX/XX/XXXX I followed those steps and remain blocked from my account. I contacted customer service for a resolution. They authenticated me using my credit cards but are saying my information is incorrect on my checking account. I dont have a branch in Texas and unaware of how to get access to my funds. I requested Citi bank send me a verification to my phone or mail to my home and they have refused. I have also requested a banking statement to my home but have been denied. My next step will be to fly to a branch and close my Citi account if things dont get resolved
Consumer complaint received 2024-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (MI)

I needed a new roof and went through the roofing company, which offered an option of no payments/interest for 18 months. To get this offer, I was directed to " Upgrade , Inc '' upgrade.com. If not paid off in 18 months, I would end up paying 29.49 % interest from the beginning of the loan. 

" However, note that you selected an offer where interest accrues during the Promotional Period but is waived if you pay your loan in full before the Promotional Period ends. '' The interest rate is : 29.49 % I filled out their paperwork requesting XXXX, which ended up with approximately XXXX due to overruns by the roofing company. Once the job was done, Upgrade sent me information regarding the terms and payment schedule. The payment schedule they gave me was XXXX a month, which would pay off the loan in over 33 months, not 18 months, which is required to pay off the loan with no interest. You can set up an autopayment with them for only XXXX a month. 

This doesn't seem right and is predatory. If I hadn't read carefully, I might have assumed the payment amount would pay off the loan in 18 months. 
- I wanted an 18-month loan - not a 120-month loan. 
- I requested to increase my autopayment to an amount that would pay off my loan in time, but they don't allow it. I can go online each month to make extra payments. But I prefer to use autopayments to ensure my bills are paid on time. 

They are setting people up for failure. And, unlike a credit card- they don't tell you how much you will be pay, in total, if you follow their payment schedule.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (SC)

On XX/XX/XXXX my grandson talked me into trying to Robinhood to trade like he does. He helped me set up an account and even sent me {$500.00} in XXXX so I could get started. When he sent the XXXX it took almost 5 hours for it to arrive. Once it did it they were already leaving for the day. I looked around the site to get more familiar with its layout. I had decided to withdraw half of what was on there and got a notification that my account was now restricted. I have not even had it for a whole day yet. They said I had to wait till the XXXX  for them to complete their review and they would be notify me. The XXXX came and my restriction is still in place, no one can tell me anything and now it says the XXXX. On the XXXX it said the XXXX. On the XXXX it said the XXXX. And now today the XXXX it is saying the XXXX. Everyday they extend it out one more day. They Will not tell me why I have been restricted or when my funds will be made available. I do not want anything to do with this company going forward. I simply want my money returned or made available for withdrawal and the account closed for good.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (CA)

On monday XXXX XXXXXXXX XXXX XXXX i send money from my cashapp it supposed to go my XXXX  account because i have insurance bill to pay i keep following instructions but i was surprised cashapp doesnt ask me for wich bank it send it straight send it to my XXXX XXXX it doesnt have the automated payment for my insurance on it at the same time i refunded the same amount to my cashapp so i can figured how to send it to my XXXX Cashapp doesnt give me back the refund that i refunded from my own XXXX with providing the necessary information i showed them from my own app that the money was refunded i was even talking to agent from XXXXl that he confirmed for me that i refunded the money from XXXX i showed them screenshots from inside my app XXXX that its refunded they close the chat on me and he say he take decision and he was mestryous amd i ask him what about my money how all of this its mot enough they keep closing chat on me i came back next day he say for me i will not discuss that with you but its my money im not asking you to give me from your paycheck i have every screenshot for this incident from the refund to me talking to the agent from XXXXl saying its refunded to them telling me i cant help you on that for no reason pleassse i neeed help My cashapp user XXXX XXXX XXXX My XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. Account XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00}
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (MA)

I DO NOT RECOGNIZE THIS. I NEVER USED THEM TO RUN MY CREDIT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NY)

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.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

I have been receiving phone calls they have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

To Whom It May Concern, I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from Professional Debt Mediation, reported in XX/XX/year>. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

I went online to make a payment or check my balance in the month of XXXX and saw multiple charges on my credit card for the amount of XXXX XXXXI immediately called them and it was a Sunday and their fraud department was not open.I then called them on The XXXX monday the following day to report the fraud.I got through and I believe his first name was XXXXThey won't provide their last name so I was told.We went though each charge individually.I was online in my account at the same time.They came from a site called XXXX XXXX XXXX.He looked it up and it came from XXXX, XXXX.I would never look in XXXX for anything.He filed the report on XX/XX/XXXX. I got a response in about 5 days from their office out of Ohio and printed the charges with a high lighter and sent the copies to the address the man gave me that day.They said they never got them, so i called the fraud department again. So I remailed the documents again. Now it's about may and nothing has been done.So after to more calls I Quit paying on my card and my card is now closed. This pass week I was in a conference call with the credit card company and to refinance my mortgage to resolving charges.They are still investigating as they said in that conference call.Now it's 9 months later and it still has not been resolved after four calls and two by mail.This all started after a security breach through XXXX who got my identity stolen SSI, address, name ect ....