davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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
Consumer complaint received 2024-08-17
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. (DC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Ref : My business account # XXXX with Chase Bank With reference to the above account, I received a text from XXXX on XX/XX/year>, at XXXX XXXX  asking if I authorized a {$1000.00} charge and then saying that a wire transfer of {$30000.00} was initiated on my account. I ignored it as there were so many such fraudulent messages coming. Chase Fraud department ( The number said Chase XXXX ) called me at XXXX XXXX  saying that wires of {$30000.00} and {$19000.00} were being initiated from my business account and I needed to stop it. I spend time in the car, as I was driving, to cancel out the wires. 

Then they said that since the XXXX seemed to have been compromised I needed to speak to the Online Department team to fix this. I was transferred to XXXX in that department. 

He seemed to run a virus check and said that due to this problem, my account will be frozen for 60-90 days for investigation to happen. He suggested that I withdraw the money I have in cash and deposit it in Chase drive-up ATM in an escrow account and he will put it in the new account as soon as he created one. 

Believing him to be a Chase employee, I withdrew cash from my account to the tune of {$90000.00} and deposited through the Drive through ATM in the Chase branch at XXXX XXXX XXXX, XXXX XXXX, NY, Terminal ID XXXX. He used multiple Chase debit cards saying that each was temporary since the account is yet to be formed, and made me deposit the cash at the drive through ATM over two days. About $ XXXX were deposited. 

He asked me not to print a receipt as that will alert the bank people and freeze my account. I printed the last amount that I deposited. 

Sensing something wrong, I called Chase Customer Service explaining everything. They said that nothing like that exists and I have been a part of a scam. However, since I had the last receipt, I gave them some information and they identified the account to be belonging to one XXXX XXXX. It has been frozen. 

I request you help in getting back the money in full. Also, I want to know how did the Chase Fraud Department transferred me to a scam artist. Even if the number was fraudulently taken over by the scam artists and it was actually the scammers calling me, how the Chase department allow their most sensitive number to be taken over by these scam artists? The Chase branch confirmed that the number was their legitimate number. 

I am wiped out of {$90000.00} and this is something that I have worked hard for years and much of it belongs to clients who I have to pay for services.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I made an order i did not get what I order. I immiditaly contacted vender they were unwilling to correct it. I then contacted wells fargo and disputed transaction during that wells took over a month when I asked to have it escalated to contact me and they refused to tranfer me to be able to make a compliant.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (FL)

Got letter from XXXX XXXX XXXX XXXX that I owed {$1100.00} to creditor : PayPal. I will respond by certified mail that I will dispute. The Paypal community board was very specific that if not by registered mail these crooks will deny you responded. My complaint is that there is no phone number to contact PayPal anywhere on their website, The Paypal chatbot was useless. 
Their Paypal community board has MULTIPLE complaints that this company does represent PayPal but if somehow you can actually talk to someone at PayPal they do not know anything about this company or their representation of PayPal. The PayPal community board has responses from a PayPal representative, I assume employee, that states there is a phone number on the PayPal website to call to report fraud and such issues, but it is non-existent. I logged into my PayPal account and it shows no charges. The PayPal community board has responses that this SCAM or FRAUD or whatever stupidly and incompetence that it is has been going on for YEARS and PayPal and no other government agency has done anything about it. How is this allowed to continue for YEARS? Included in the XXXX XXXX XXXX XXXX letter was Reference # XXXX. I was notified that some of my personal information was compromised earlier this year and I filed a notification with the credit agencies. How any company that is competent could engage a debt collector when such a notification exists without verifying the claim is beyond comprehension.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
SEC v. XXXX, XXXX XXXX ___ ( 2024 )
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On or about XX/XX/XXXX I called with my mother to open a new checking account with USAA. They took my {$25.00} and said an account would be opened. They have not opened an account and my money is in limbo. They keep asking me to provide the same documentation repeatedly. I have existing banking relationships with much bigger banks and a smaller credit union, and I have never experienced this level of " service. '' This is not military friendly.
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (AZ)

I have been in communication and letting them know that I am not working at the moment. I do not have the funds to pay the loan. As soon as I do I will work out payments. I lost my job and have been on the search for one. I just recently got a job that Im starting next week. They took out {$730.00} on XX/XX/XXXX. That was not an amount that we had discussed. Not only was that rent money as I am a XXXX  mom with XXXX children but that is my sons social security money that they took. I have to report what its being spent on and a title loan surely isnt something on that list. They took almost every dollar of money that is supposed to go to my childs environment and him directly. When I called them, they were unwilling to help me in any way. I am unable to stop them from taking money out of my account and they are unwilling to work with people who are struggling, even though the loan Ive had since XXXX has been paid every month. I fell on hard times and they robbed me XXXX. Now I have to find somewhere to go as I have no rent money. I in no way agreed to that amount and I cant stop them from taking my money. Its absurd.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
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: FinCo Services Inc DBA Current (NJ)

I already submitted my complaint with your against Current Debit Card which has had headquarters in XXXX XXXX XXXXXXXX and the Financial institution location in South Dakota and this complaint included XXXX XXXX XXXX XXXX I believe I submitted my complaint with your CFPB against XXXX XXXX XXXX XXXX who's overcharged my Debit Card between I summited between 1 to 3 years ago but I don't get the help with your CFPB see if in this time your help me recovering this amount of money which is around {$600.00} dollars thanks
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/year> XXXX contacted me on XXXX about hair deals. So I booked with her and paid for my hair appointment. On XX/XX/year> She sent me to a random apartment building and was texting me the whole time. And I asked to come down to me and she blocked me. And stole my money all {$600.00}. She asked me to send transaction for my hair and deposit and a squezze in appointment.I need it back I worked hard for it. In the screenshots, you will her texting me and sending me voice messages. she even asked me if I could send her money and she would give it to me in cash. I thought she was a legit hairstylist. She just stole my money and didn't care and robbed me. I did not get my hair done at all. And suffered emotional and financial distress. I have contacted Cash App on many occasions and they will not dispute my charges. And the screenshots in the below, it clearly shows that I did not receive my service. My hair looks hot mess, and I have no money to pay my bills. And the screenshots below you will see to me trying to dispute the charges and explain to them what has happened. She has blocked me on XXXXXXXX XXXX, XXXX, and my number. I have tried to contact her many times and she will not respond. She ran off with my money. 


I was suppose to revive a sew in hair style by XXXX and was blocked and scammed out my money.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am filing this complaint against Columbia Debt Recovery LLC Dba Genesis because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with no results and with no response. They are engaging in plausible deniability of the following issues. 

For the time I lived in the apartment complex from XX/XX/XXXX to XX/XX/XXXX we had multiple leaks from the roof that came into our apartment. We notified them about it, but they never came out to handle the issue, so we kept facing it, so it started to cause peeling on walls and mold to grow in our apartment. When we went to the front office to talk to them about the continuous situation & amp ; how to handle it for the final time, we concluded that they would let us off the lease with no charge due to the inconvenience since we arent liable for the leaks coming from the roof.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

The account is being reported monthly as a charge off. This is not correct because the account was originally charged off back in XXXX. I was never given a XXXX for that charge off. By allowing the account to be charge off each month, it prolongs the date of when it was organically charged off in XXXX. 

This is fraudulent reporting by the creditor. 

For this non-compliance, I will seek civil liability for willful non compliance under 15 U.S. Code 1681n.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MA)

In XX/XX/year>, I sent a payment via Cash App to an individual based on an arrangement that was not fulfilled. Due to my XXXX XXXX  challenges at the time, I attempted to reverse the transaction, believing it was unjust. I reached out to Cash App for assistance in reversing the payment and may have stated that I didnt recognize the transaction or sent it to the wrong person. 

Instead of receiving support, my Cash App account was deactivated, with the company stating I violated their Terms of Service. Despite multiple attempts to clarify what specific activity violated their policies and to explain my situation, I have not received sufficient information or assistance from Cash App. This deactivation has made it impossible for me to access my account and resolve the situation. 

I feel that Cash Apps response did not consider my XXXX XXXX circumstances and was excessively punitive. I am seeking reinstatement of my account and assistance in resolving the transaction.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (CA)

I am writing to address an issue regarding a recent transaction where I used Cash App Pay to make a purchase at XXXX, expecting to receive 15 % cash back based on an active offer in the app. 
On XX/XX/year>, I completed a purchase of {$25.00} at XXXX through Cash App Pay, having clicked on the 15 % cash back offer before proceeding. The offer prompted me with a " Shop '' button, which directed me to the XXXX website to complete my purchase. However, despite following these steps, I did not receive the expected cash back. Upon contacting customer support, I was informed that the offer had not been added to my account, and my claim was denied. I strongly believe there may have been a technical issue with the offer activation, as I followed the appropriate steps to access it. 
I have attached a screenshot that shows I clicked on the offer before making the purchase. Given that I followed the provided steps, I kindly request that you re-review this transaction and resolve the issue by applying the promised cash back to my account. 
I value Cash Apps service and hope that we can resolve this matter promptly. Thank you for your attention, and I look forward to your response.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (TX)

I am requesting that Hyundai fully investigates my case and is held accountable for their continued lack of response and negligence in handling my account. Hyundai has failed to provide supporting documentation of my total loss car.

I email and called Hyundai multiple times requesting the total loss details including a report and photos of the vehicle that Hyundai took while picking up the car from storage and preparing the car for auction ( all XXXX corners of the vehicle, the damages, the odometer, XXXX XXXX, and license plate ) to be able to write up a total loss evaluation with an auction sell price of {$7200.00}. 

Hyundai was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed against the party at fault. While the lawsuit with the party at fault was ongoing, Hyundai asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account. On XX/XX/year>, Hyundai issued a {$7200.00} check ( attached ) for the sell of the car that happened on XX/XX/year> without providing a report and pictures with a justification on the sell price. 

Hyundai has not responded to this specific request and instead continues to send me alternate files that are not requested as noted in my XX/XX/year> email ( attached ) ; Hyundai provided a contract instead of total loss report/photos.

I am filing this complaint as Hyundai continues their lack of response and shows negligence in handling my account. I am requesting that Hyundai investigates my case fully and provides the total loss details including a report and photos of the vehicle that Hyundai took while picking up the car from storage and preparing the car for auction ( all XXXX corners of the vehicle, the damages, the odometer, VIN plate, and license plate ) to be able to write up a total loss evaluation with an auction sell price of {$7200.00}.
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MD)

I received multiple calls from XXXX XXXX who refused to identify herself as calling from a debt collection agency and that the calls were in regards to collecting a debt. While doing my quarterly credit checks, I noticed a collections report on my credit report from Caine and Weiner and called the number. I was given the run around, XXXX hung up on me, I called back and spoke to multiple other agents who stated they " did not have the ability, or training '' to remove a fallacious report from my credit. I was told they would forward me to a XXXX named XXXX XXXX, but instead was hung up on again. I called back, spoke to XXXX XXXX who also after hearing my request put me on hold and subsequently hung up on me again. I called the number back and requested a debt collection validation notice, proof that I was in fact the debtor in question since they mentioned an inaccurate address and email, and an immediate removal of the inaccurate collection. They also mentioned that they received my information from the original debtee ; XXXX XXXX XXXX when questioned on how that was possible as I have no affiliations with any solar companies, they backtracked and stated they got my name ( which was also incorrect, as they did not address me by my suffix ). When asked how they got my number, last XXXX of my social, and date of birth, they apologized for receiving inaccurate information from the debtee and never acknowledged how they acquired my personal details. They refused to answer my questions about the debt collection validation notice stating they could not share any information with me. I filed a dispute with XXXX and am awaiting the results.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

A refund check for {$2500.00}, Check Numbers : XXXX, was issued and mailed to me on XX/XX/year> .I went to the bank but the money was not credited to my account. The bank said there was no money in the sigue corp account. I still have not received my money.
Consumer complaint received 2024-08-16
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. (KS)

I requested XXXX times back in XXXX, XXXX, and XXXX of XXXX  for the inaccurate and false bankruptcy to be removed from my credit reports, and they failed to tell me where they were verifying the information and the only place they could verify was from the court itself which the court does not verify records to credit reporting agencies. Attached Document : My rights have been violated and the credit reporting agencies have violated the FCRA : According to the FCRA, they have violated 3 laws : 1. 15 U.S.C. 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy 2. 15 U.S.C. 1681b ( a ) ( 2 ) No Permissible Purpose/ No Written Instruction 3. 15 U.S.C. 1681s ( 2 ) ( a ) Furnishers Must Not Provide Information that They Know to be False and that Can not Be Verified
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focus Holding Company (TX)

I XXXX XXXX just recently checked my XXXX credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX with a parent company of Focus Receivables Management. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX  credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name XXXX XXXX  XXXX then. Same account number and same alleged original XXXX XXXX.