davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

I submitted a dispute as well as a complaint via your platform to bring to light the lack of investigation by Cash App relating to an ATM withdrawal error. When filing the dispute, I mentioned to the Disputes team that the transaction was " authorized '', however, the funds that I requested from the ATM machine were not dispensed. My account was charged for the transaction, and for that reason I filed the dispute. I spoke with a Cash App manager by the name of XXXX, who informed me that I can request the documents Cash App used to complete their investigation. My thought process was that the documentation would show communication with the merchant/owner of the ATM confirming that funds were dispensed. When I received the documentation the sent to confirm their decision ( attached here for your review ), I realized that the documentation showed nothing more than the fact that it was an authorized transaction. Nowhere on there does it show confirmation that funds were actually dispensed. The documentation is internal, and none of it came from the merchant/owner of the ATM. That being said, you can not confirm that no error occurred if the merchant/owner of the ATM has not confirmed that funds were dispensed. I firmly believe that Cash App has denied this because they refuse to reward me these funds. Additionally, I have filed an additional complaint with the XXXX XXXX XXXX  and the FTC to review this. It is quite apparent that many others have had the very same issues with Cash App, and the only way for this to be fixed is for agencies like the CFPB to hold them accountable.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (FL)

I was issued an insurance check for {$10000.00}. This check required the co-signature from Freedom Mortgage. 
In XX/XX/2023, I mailed both the check and the full adjusters report to them. After which I didn't hear anything back from them, or on my file thru the website. I tried by phone to contact someone several times who can help and every time I got delayed, disconnected and hung up on while transferring my call. 
On XX/XX/XXXX, they finally responded to my email requests : " Your checks were submitted for endorsement on XX/XX/2023. Please allow 6-8 business days to process and mail. The check will be sent back via USPS which can take up to 14 business days to arrive. '' But they took so long the check was expired before they co-signed it. 

On XX/XX/XXXX, I received the now expired co-signed check. 

On XX/XX/XXXX, I emailed them stating : " I need to have the replacement check signed too. The original expired and can't be cashed or deposited. You still have all the documentation as I do not have another copy. It is the same claim and amount. How do I send it? '' On XX/XX/XXXX, they replied : " Notes added to claim. Please mail endorsed check to : Freedom Mortgage C/O PFIC Attention : Loss Draft XXXX XXXX XXXX XXXX XXXX XXXX '' After several days dealing with the insurance company for a replacement, on XX/XX/XXXX I mailed it to them. 
Only after waiting a long time again and hearing nothing, On XX/XX/XXXX I sent them an email stating : " I sent the replacement check to the address 2 weeks ago. Can you give me an update as to when I should expect it back? '' Then on XX/XX/XXXX, they replied : " We are in need of the full updated adjusters report from your insurance company, please reach out to your adjuster and request a copy be sent to this email address. '' They signed an EXPIRED check, left the claim open for a replacement and then did a 180 and requested a separate full Revised adjusters report with duplicate information that doesn't exist. It doesn't makes sense. They have the original report and nothing changed. The issue is they signed an check that was expiring under their possession and they are supposed to check that along with the documents I previously supplied and enter that information into the claim report. They should have notified me about the check expiring. I told them after the bank wouldn't accept it. It should have been a simple check replacement. 

This is unprofessional conduct and results in harassment.
Consumer complaint received 2024-08-12
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: Resurgent Capital Services L.P. (FL)

My name is XXXX XXXX a federally protected consumer and Im making this Complaint against LVNV FUNDING LLC # XXXX for committing identity theft. I have never given LVNV FUNDING LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 12 CFR 1006.34 ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until LVNV FUNDING LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and LVNV FUNDING LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and Response are both Requested and Required LVNV FUNDING LLC ( # XXXX )
Consumer complaint received 2022-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

I was scammed via Cash App for a total amount of XXXX, when I thought I was in contact with a legitimate individual. I brought this to the attention of Cash App support, who stated they would investigate the matter, but I do not believe that this was ever truly investigated, and was just made to wait for a predecisioned outcome. I have reported said account, as well as another account potentially belonging to the same scammer ( s ). While I understand I may not receive this money, I believe that Cashapp has long been operating with very to little regulation, as have so many other XXXX organizations. When Cashapp was first introduced, it was just as a money transfer service, but over the years, has grown in dramatic scale, now being used to purchase Bitcoin/Stocks, to use in place of a traditional checking account, and even to file ones taxes. In its current state, Cashapp does NOT have proper KYC/AML enforcement and this negligence leads to scams/fraud and this will continue to be the case, as long as people are able to open new accounts, as long as they have a new number that permits them to, even after another account is closed down. Furthermore, when scam activity is reported, their should be restrictions in place to prevent any said funds from reported account to be moved, until a true and proper investigation is done.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MO)

I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding their deceptive practices and unfair billing related to their wellness plan. Below is a detailed account of my experience : In XX/XX/XXXX, my dog passed away, and I contacted XXXX XXXX XXXX to cancel my XXXX plan. I was informed that I had to continue paying {$58.00} per month because the services provided had to be covered before I could cancel. This information was not disclosed when I initially signed up for the plan. I believe I was overcharged and informed XXXX XXXX XXXX that I would not continue to pay for the plan and that it should be canceled immediately. 

Despite my request, XXXX deducted payments for XXXX and XX/XX/XXXX, which I disputed with my card company and they reversed the charges without any rebuttal from XXXX. Subsequently, XXXX attempted to collect additional payments for XX/XX/XXXX and XX/XX/XXXX, totaling approximately {$110.00}. These charges were declined by my card company, and XXXX then sent my account to a collection agency, I. C. Systems XXXX XXXX. XXXX Account XXXX. XXXX. 

On XX/XX/XXXX, I disputed the charges with XXXX XXXX, a supervisor at I. C. Systems via phone at XXXX, and he assured me that he would address my dispute with XXXX. He also promised to send me an itemized list and other relevant documentation. It has been over 30 days, and I have not received any communication from XXXX or I. C. Systems. XXXX mentioned that if the issue was not resolved by XX/XX/XXXX, it would be reported on my credit report. However, I have not received any proof from XXXX. XXXX ( I do not owe this because I cancelled the plan in XXXX, XXXX ), and they should not report anything on my credit report without such proof. 

My primary concerns are as follows : XXXX. XXXX does not disclose their cancellation policy upfront and they should be held accountable for lack of disclosure about their cancellation policies with acknowledgement from the consumer upfront. 
XXXX. XXXX charges more for services than the annual cost of the wellness plan. 
XXXX. XXXX practices result in customers owing more money even after paying the plan to the renewal date. 
XXXX. The collection agency, I. C. Systems, should not report any debt on my credit report because no proof was provided. 

I urge the CFPB to investigate XXXX XXXX XXXX practices and take appropriate action to ensure that consumers receive full disclosure of all terms and conditions up front before signing up for any wellness plans. Additionally, I request that the CFPB XXXX XXXX and XXXX. Systems from attempting to collect money that I do not owe and ensure that my credit report remains unaffected by these disputed charges. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-10-10
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: Prosper Marketplace, Inc. (FL)

On XX/XX/year>, my Proper Credit card, which has was declined for a charge of {$60.00} even though I had available credit of over $ XXXX. What was surprising and also embarrassing, I had, on XX/XX/year>, made a payment of {$510.00} to my Prosper credit card, which when issued to me, had a {$1700.00} credit limit. Prosper never explained to me why the declination, and indeed, after I asked, I found out that after that attempted charge of {$60.00}, my card was placed on the restricted list, which has since been removed. Shortly after my discussions with Prosper, I received a letter from Prosper credit card that my credit limit was being reduced from {$1700.00} to {$1400.00}. The reasons given were Delinquencies and High Lines of Credit. What is puzzling is that I have no delinquencies and no credit lines.

What is noteworthy is that by reducing my credit limit from {$1700.00}. XXXX to {$1400.00}, Prosper CC has surreptitiously stolen {$300.00}. XXXX from me. My available credit is almost similar in amount to what I had before my payment in XXXX, and that needs explanation.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

On XX/XX/2022, I received a merchant refund via square bank/CashApp. I called CashApp and was told that Cashapp could not and would not release the funds to me in order to protect my new account. Problem is that the merchant refund went to a previous CashApp account of mine which was closed due to consistent fraud via CashApp. Although I attempted several times to resolve the issue via CashApp and on my own, fraudulent merchants continued to try and directly debit money from my account. As per CashApps request, I changed my CashApp debit card 3 times and changed my email address. To no avail, and it became apparent to me, that the issues did not lie within the debit card but with account and routing number for square bank, as the fake merchants continued to try and debit my account. So, to help myself, I canceled XXXX XXXXXXXX and opened a new account, XXXX XXXXXXXX Upon realizing that that my granddaughters school had refunded ( merchant refund ) a {$120.00} deposit to the old account ( $ XXXX ), I immediately called Square/CashApp to have them either transfer the refund to my new account or mail me a check. They refused to do either citing security reasons and will not give me any further information on how to proceed in getting my money back. Shortly before I close the first account, I received a letter from CashApp informing me of a rogue employee who stole information and that my account was not affected. Being that CashApp states explicitly that they will not give me any information on why the money will not and can not be forwarded to me as per security issues, even after I have given all of my information from the previous and new accounts, how do I get my money back with all the security issues that Cashapp says are preventing me from accessing my money? In addition, CashApp sent me an e-mail stating that unclaimed money is then forwarded as escheat. How could this happen when I am asking for my money? I have no idea as to what the real time security issues are and CashApp wont reveal what I need to do to resolve the issue. Square simply says they will not provide me with any detail. Once this issue is resolved, I will be closing my account and since I do have several real bank accounts, including XXXX XXXX, XXXX, and XXXX. I only used Cashapp as a convenience to send and receive money to and from my children and grands as CashApp has a feature to close the card at will. However, this feature does not affect or apply to direct debit from a merchant- which is the reason for closing XXXX XXXXXXXX. I will also direct my 5 children and 10 grands to close their accounts too because this is not good.
Consumer complaint received 2024-09-25
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: AMERICAN EXPRESS COMPANY (MN)

spanning several cards and several yers ive had to endure egregious criminal levels of neglect from American Express. 

I XXXX XXXX XXXX XXXX  where i XXXX XXXX XXXX XXXX XXXX XXXX 

i give these XXXX XXXX XXXX XXXX XXXX XXXX  so we know how to handle issue when a dispute arises if it does. 

Rarely do i have issues but this past year during my normal research and development processes i unfortutnealy ended up in a bad situation with a XXXX  in XXXX. 

I placed an order for XXXX  and then another order for XXXX  and XXXX. 
Both orders for 50 % then 50 % on delivery. 

This vendor bait and switched me which i showed by providing American express photos of the sample items and disgusting unusable final product they dared to have the audacity to ship me. 

My XXXX  ex [ plicitly said if i didnt approve of the final XXXX XXXX that i was entitled to a full refund. 

For a year now American express has ignored my contract and kept denying my refund. 

It took a year later and XXXX of the XXXX disputes have ended in my favor because i had to repeatedly tell amex to look at the contract. 

This level of neglect is unacceptable and could cause real harm to people in more dire financial situations. 

American express instead of solving the issue resorted to canceling both my personal and business cards with them. I believe as a form of retaliation for threatening to sue them. 

American express as a company is criminally neglect with its cardholders money and does less than nothing to help them. 
I'd ratheXXXX XXXX the worlds mosXXXX XXXX XXXX than ever do business with them again and would advise any warm blooded human on this planet to run as far away from them. 

I had used this American Express for my finances for half a decade personally and another half a decade through a previous business. 
NO MORE! 

I pray to the good lord that American express will face real tangible criminal charges in court and XXXX  as a company. They are not what they used to be. 
They have not worked hard enough to earn the trust or business of myself or anyone on this planet. 
The employees are lazy good for nothings and XXXX employees dont have any reason to care.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date of inquiry : XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

Ive recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained to your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts than please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Credit bureau 's stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (FL)

I sent a letter asking experience to reinvestigate my accounts. Everything is not 100 % accurate. This is causing me XXXX, I feel helpless because the credit bureaus are not doing their job.

According to 15 USC 1681i, XXXX, XXXX and XXXX have thirty days to investigate and send me results which I have not ever received.

They are in violation of 15 USC 1681i 15 USC 1681i ( 5 ) 15 USC 1681i ( 7 ) 15 USC 1681s-2 ( 1 ) 15 USC 1681 ( b ) ( c )