davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

Dear XXXX Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

Call citi and tried to close account. they wanted secret word but I did not know it. 

They said they could not do anything and to write letter. 

I did and sent it around XXXX Still not heard anything
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I discovered {$1000.00} in unauthorized transactions ( both transactions were for {$500.00} each from XXXX ) that were made to my usbank account the day before. Immediately after seeing them, I called in to report the transactions and was told I would receive a resolution within 10 business days. To my dismay, just recently I found out that usbank had closed my account and would mail me a check for the funds remaining in my account at the time of closure for {$50.00} however there was no mention of getting back the {$1000.00} that I lost. I need to get this escalated, I need my money back.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

To Whom it May Concern, 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 credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because l need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you,
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

XX/XX/XXXX XXXX deposited XXXX in to my cash out problem ia my phone was stolen suggest XXXX by the time I got a new phone and in my account my money was gone I reported it right away and they only refunded me some of the merchant transactions but not the money that was transfered I had been in contact going back and forth for months and then they just closed my case
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Theres numerous FCRA and Consumer Financial Protection Act violations against me as a US citizen and Im addressing you to amend and correct the information on my credit file. If you refuse to provide proof of the method of your verification on the listed accounts below with a WET signature to acknowledge my physical presents and ownership to the account. 

Im demanding you remove it immediately within 30 days per the FCRA and if do not adhere to the State and Federal laws for my consumer protection Ill be inclined to file a lawsuit in IAW to FCRA per my { Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX } Please remove the below inaccurate and erroneous accounts from my credit file : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erroneous/Inaccurate Account : XXXXXXXX XXXX  - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX - Date Opened : XX/XX/XXXX XXXX : XXXX
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (OH)

I placed an order on XXXX on XX/XX/year> and used Affirm To be able to make payments for the purchase. Before the order shipped I cancelled. Since that cancellation Affirm has contacted me every day via text, email or call saying I owe them {$20.00}. XXXX has confirmed the order was cancelled and never shipped. They said they contacted Affirm and told them this AND I emailed Affirm with a copy saying it never shipped from XXXX.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TN)

-I requested a Debt Validation Letter, from AFFIRM INC : Partial Act # 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 ( 15 SEPARATE ACCOUNTS ) that would provide a signed contract/agreement along with Terms to repay Valid Debts -I received an account statement, which is insufficient to validate an alleged debt -I then told the AFFIRM INC corporation to Cease all Communication and Contact with me, as it pertains to each account and any alleged debt -This accounts were CHARGED OFF in May of 2023, yet AFFIRM INC is continuing to negatively report and COMMUNICATE information pertaining to these accounts and Alleged Debt to all of the credit bureaus & credit reporting agencies .

-This is a direct and blatant violation of 15 USC 1692c. I want all reporting and Communication, as it relates to this account and any alleged debt, to cease and desist immediately, or legal action may be my only recourse and remedy.
Consumer complaint received 2024-09-05
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: 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.

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 2022-07-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (VA)

Square.com as a payment processor holding my funds. They requested several documents, even connected to my bank account and after that they send an email that indicates my account is okay and I can accept payments. After 4 days, my sales come to total of {$1300.00} and they deactivated my account. Now they are holding funds for 120 days and there is no way to reach a person to talk about the issue. 

On the other hand, as you can follow from their discussion boards, they are offering loans to customers with high interest. Now, on one side they are holding funds of customers without any explanation, on the other side they are selling this amount to small businesses. 

Please check XXXX search to see how people are without any solution XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (CA)

I have had money stolen from this CASH APP CARD by these XXXX - XXXX XXXX  XXXX people who are HACKER TEAMS that have set up business vto steal from XXXX XXXX Now the 1st card # XXXX Stole {$140.00} and I reported it to CASH APP and nothing was done I demanded a new card they refused and gave me the run around.. 
Next card I had over 4 refunds and transactions stolen before I could get it I have DEMANDED a card replacement I was refused I sent letters into CASH APP demanding my money back and to do an investigation and I DEMANDED A NEW CARD I WAS REFUSED I DEMAND MY MONEY BACK CASH APP and others are aware of these XXXX - XXXX XXXX XXXXXXXX Hackers Teams and Business popping up and stealing the living man and woman 's credit cards, banking accounts SSN, and Business that are online based, the 2nd card numbers are # XXXX I have never got my money I lost card and they CASH APP has refused to send me a card
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (IL)

My car was stolen in approximately XXXX of 2022 My car was recovered, however XXXX XXXX has denied the claim for no apparent reason. 
I picked up my car and had it sent to the dealership and now the dealership is refusing to cover the cost of the damaged transmission and sent me an invoice for {$15000.00} when the car alone cost nearly that much. 
I cant afford {$15000.00} for a car repair due to no fault of my own when the car was STOLEN from me.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for a XXXX XXXX XXXX on or about XX/XX/year> under application # XXXX. I currently have a fraud alert on my credit and never received a call from the bank to verify the application prior to denial. 

I have previously filed a complaint with the CFPB on this, wherein the company responded that it needed authorization from me to respond. I contacted Citi and was on the phone with them for 2 hours attempting to get the right person on the phone to provide this authorization to. SHAME on Citi for making me jump through hoops to contact them for an authorization, I already provided it! 

I am hereby authorizing the company to respond, and they can reach me at the phone number listed on my fraud alert if necessary to obtain further authorization. 

Shall Citi wish to not respond to this, I will seek legal action.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (AZ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

I am a XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX Florida. My property is listed on XXXX, XXXX and XXXX. All vacation rental platforms accept payments from guests for me except XXXX because they said I have not done enough business with for this property to transact payments therefore I have to accept payment forms guests. In order to process payments from guests I purchased a POS ( point of sale ) machine called Square from XXXX XXXX to process the payments. I processed a payment for one of my guests on XX/XX/XXXX and the payment went through successfully. On XX/XX/XXXX I received an email from square asking me to verify my business and bank account and IRS EIN, and drivers license. I submitted all of the information and then received an email on XX/XX/XXXX stating that my banking information was approved. On XX/XX/XXXX I received a notice from Square stating that my account was deactivated and that they did not want to do business with me. 
In addition to deactivating my account Square said they would hold my money from the transaction {$580.00}. The services for the vacation rental stay has already been rendered. 
I was shocked and taken back by this and called to speak with Square customer service. Customer service and they said the decision was final with no further discussion. I do not care if Square does not want to do business with me but I am running a legitimate business and they already took % of my funds for processing the payment and now they are holding the rest of my funds. At this point I dont believe Square has any intention of returning the funds to me at all. This is taking advantage of the consumer on so many levels and I never saw anything in the terms of agreement that stated they would hold my funds for 90 days and my account would be deactivated or not accepted. These are unscrupulous practices and I am asking for your assistance in this matter to make Square return my funds. I am a legit small business owner, and I sent my bank statements and EIN # as proof of my business. I have contractors that I need to pay. Please assist me in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MD)

My name is XXXX XXXX, XXXX My Cash App Tag ID is $ XXXX. 
This is an amendment to Complaint ID XXXX that was submitted on XX/XX/2022. I should have made the Claim against Cash App instead of Bank XXXX XXXX for the following reasons : 1. I recalled that I was surprised because as I was attempting to select the option to transfer the funds on a later date, ( which would have been Thursday, the XXXX ), in order to avoid fees, instantaneously, the screen that showed the {$100.00} that XXXX made to my Cash App Acct., immediately changed to a screen that was showing a transfer/deposit, minus a {$1.00} transfer fee, to my XXXX XXXX XXXXXXXX Acct XXXX 

2. Also, I thought it was strange for Cash App, in response to my Claim, to refund me {$1.00} for the transaction fee. Normally, you would incur a fee for a same-day funds transfer of funds transaction. 

3. I have been banking with XXXX XXXX XXXXXXXX and never had a concern with their management of my account that was not immediately resolved. 

BACKGROUND OF MY INITIAL CFPB CLAIM On XX/XX/2022, my friend, XXXX XXXX sent me a Cash App payment of {$100.00}. I requested Cash App to transfer/deposit that payment into my linked XXXX XXXX XXXX checking account. Cash App provided me with a transaction receipt indicating that the transfer was claimed to be completed on that same day. Transaction Receipt attached. 
However, XXXX XXXX XXXXXXXX has no record of that transaction. Cash App claims that upon their investigation into my claim, they found that the funds were transferred to XXXX XXXX XXXX. However, they refunded me the {$1.00} transfer fee.
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IA)

Theres a person i met online through a fighting game and we play often. I know him now for at least two years. So recently he made a post about giving away a game system since he had gotten another one. Now i know him never to be a shady person nor steal from anyone so i asked him and he said he would give it to me. By this time i was unaware his account had been hacked and i didnt know because i dont get on social media that often. He said send XXXX then after said another because of the weight of everything which was still believable. I didnt put two and two together until they slipped up and said something he would never say and i asked him something he and me knows about and at that point i asked fir my refund. They said they would give it back later in the evening in which that point he blocked my account. I went on my other account and acted as if i wanted to get it as a different person but i instead was able to get the cashapp names they gave me and reported them all. After all said and done i filed a claim with cash and and my bank and cashapp wont refund the money.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

I am filing this complaint against LexisNexis Risk Solutions for reporting inaccurate information on my consumer report related to Bankruptcy Docket # XXXX. On XX/XX/year>, I formally disputed the accuracy of this information with LexisNexis and requested an investigation and removal of the erroneous data. 

Despite clear evidence that the information is inaccurate, LexisNexis has yet to correct or remove it from my report. This is particularly concerning given the precedent set in XXXX XXXX LexisNexis Risk XXXX XXXX XXXX XXXX XXXX XXXX, where LexisNexis was found liable for reporting inaccurate information. This case highlights LexisNexis 's responsibility to ensure the accuracy of the data they report. 

I am requesting the CFPB to investigate this matter and ensure that LexisNexis complies with the Fair Credit Reporting Act ( FCRA ) by promptly correcting or removing the inaccurate information from my report. 

Please take appropriate action to protect my rights as a consumer
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Ok Finance Group INC (GA)

The company said i can pay XXXX on XX/XX/XXXX I called XX/XX/XXXX at XXXX They said i didnt call at XXXX XXXX day car repossess for XXXX With a repossession deposit no where ok my contract Recovering from car accident which they know