davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KS)

On XX/XX/year> the amount of {$750.00} dollars was transferred from my CashApp account to that of the person that was to do repair work on a vehicle that was previously purchased from this person. Almost immediately I informed CashApp that this was a scam this individual had perpetrated and I asked for the transaction to be stopped, cancelled before the receiving party would be able to accept the transfer. I was told by CashApp that it was against company policy to stop or cancel a pending transaction and that I had to wait for the transaction to complete and then file for a refund. When they clearly state that they can stop and cancel pending transactions before the funds are removed from the receiving account. Due to negligence on CashApps part, the transaction went into completed and I was then told that there was nothing I could do to retrieve the funds from this scam and that I can ask for a refund from the receiving account. Which I did do. The consumer, ie : me was not protected by CashApps terms of service by stopping the transaction as soon as they were alerted of the fraud situation and they let the transfer go through whilst they knowingly knew the sender, aka consumer had immediately reported the situation and had asked for the cancellation and storage of the transfer before it was even claimed. CashApp failed to protect its consumer when it had the opportunity to be proactive and handle the issue before letting it become a much bigger problem.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (OH)

I have been a customer with Amex since XXXX. Amex keep charging me hight interest and my Balance went from around XXXX to XXXX on a matter of year. I have never complained and i did my best to always pay on time even when i couldnt afford it. Finally on XX/XX/XXXX i was finally able to pay the full balance of {$15000.00}. My balance was finally paid full and yesterday or the day before they charged me {$280.00} dollar of interest. I have tried to talk to them i talked to 3 different customers reprsente including a supervisor and no explanation that made sense was given to me.
Consumer complaint received 2024-07-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Capital Services, LLC (MO)

The amount owed is around {$2900.00}. I made arrangements with a lady over the phone on a debt that I owe ( I am not disputing that I owe this ). However the following day I received another call from someone else saying that I owed it and it had to be paid in full. I was checking with a family member to see if they could help. They wanted to do a XXXX way call with this family to get the card information to pay what was owed. I'm sorry but I don't like just giving out family members numbers. Well then the constant everyday calls to my employer is what I am tired of. I understand if they need to do an employment verification ( which they have the information ) but to constantly call me at work is uncalled for. This has gone on for the last couple weeks. I have asked them to stop calling me at my place of employment so I don't lose my job. This guy continues to tell me that I am in a world of trouble and talked to me like I am nothing ( that what I have to say doesn't mean anything ) .This all has happened in XX/XX/year>. These calls happen XXXX to XXXX  times a day. I am just tired of the harassing phone calls at work. It just needs to stop ( which I asked them to stop calling me at work ). They said a payment plan was no longer optional and I had to pay the debt in full if I didn't want to go to court. I want to take care of what is owed but can only make payments ( and not a {$200.00} or {$300.00} payment each paycheck ). This company is out of XXXX XXXX NV and company phone number is XXXX.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I requested proof of charges that were made in the casino from XX/XX/year> to XX/XX/year> on XXXX XXXX out of XXXX. 
This was looked into twice supposedly by XXXX XXXX XXXX XXXX Bank of America and " resolved '' without them ever sending any proof that these charges/cash advances was taken by me or my cabin mate. 
All I've gotten for them is the total amount of money spent on the cruise and no proof of the individual charges / cash advances made in the casino totaling {$6900.00} in separate charges. 
I sent a registered letter to Bank of America claims resolution detailing the charges in question and asking for proof of the cash advances
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I received about XXXX XXXX electronic payments made to one of my checking accounts through XXXX. I did this at the request of a female [ alleged ] friend. She told me the money was from family and the funds would be used to pay her rent. She assured me that there would be no problem. 

After receiving the money, I transferred the funds from the business account that received the funds to my personal checking account and then I purchased crypto for her and sent the crypto to a wallet address she provided. 

The crypto was purchased from either XXXX XXXX XXXXXXXX from my personal Wells Fargo checking account and then sent to her. Subsequently, Wells Fargo advised me two of the payments totaling {$220.00} were recalled. That did not close the account/ a few days later I received an email from Wells Fargo that they closed my accounts for receiving funds through XXXX that were " Unauthorized. '' Apparently, XXXX people submitted claims that the funds sent were unauthorized. 

I call them, spoke with their Fraud & Claims departments. I explained the situation, told them I believe I was the victim of a scam [ found this out after speaking with some tech friends ] ; explained that.

They said their decision to close the accounts was made and is final- no appeal - sorry you lose. Apparently large banks with XXXX or XXXX  in assets don't care about customers that have been with them for XXXX years. The department that is the front for the back office was quite unsympathetic and final decision ; will not change regardless of why it happened.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Sometime last year I was sent a letter from child support, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and then post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to child support, and that didnt make sense because of the leans. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. I felt that was highly unacceptable, and not right seeing as how they have a XXXX liability policy regarding unauthorized purchases. Ive done my own research and seen a common tactic of people stealing, or committing identity theft is to intercept the packages before theyre delivered to the door, or snatch them up before anyone in the house realizes theres a package outside.
Consumer complaint received 2021-04-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (SC)

I have repeatedly told every person that has emailed me I have never borrowed money from this company and I do not intend to pay for something that is not mine. I've repeatedly asked not to be contacted and I am including a copy of one of the numerous unwanted emails demanding money or they will file a lawsuit against me. See below XX/XX/XXXX XXXX To :XX/XX/XXXX Bcc : XXXX Mon, XXXX XXXX at XXXXXX/XX/XXXX Case XXXX # XXXX Subject : XX/XX/DebtRecovery Balance Amount : {$890.00}. 



Dear Debtor, We are going to file a lawsuit very soon at United States District Court against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

This is our last warning to you ; kindly update us ASAP so that we can proceed. 



Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$4200.00}. 



Do update us with your intention that you want to resolve this case or you want to dispute. 



If you want to resolve this matter then we have settlement amount for you ; 1. If you can pay the amount which is {$490.00} by Today then we can close your file with this amount only. 



2. If you are looking for a weekly payment then you have to pay a total amount of {$800.00} with payment arrangement and you can pay {$100.00} weekly till paid in full.

3. If you are looking for bi-weekly payment then you have to pay a total amount of {$900.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full. 



AGAIN IF YOU WANT TO RESOLVE THIS MATTER THEN CONTACT US IMMEDIATELY ON THIS EMAIL. 

Yours Sincerely, Collections & Legal Department. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX @ XX/XX/2021 XXXX Privacy |Career| Terms of use Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. 





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Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I formally request an investigation into specific items on my credit report that I believe have been inaccurately reported. These items are not only incorrect but are also causing significant financial and emotional distress due to their derogatory nature. The items in question, detailed below, have already been removed by other credit bureaus : XXXX, XXXX. XXXX. I am seeking your prompt attention to complete a thorough investigation within the mandated thirty-day timeframe, as per my understanding of the law. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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.

The letters are stated with items and issues.

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 2024-07-30
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: Resurgent Capital Services L.P. (NV)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-30
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: Resurgent Capital Services L.P. (FL)

I am writing to you regarding two collections accounts that have been reported on my credit report, as listed below : 1. Account Opened : XXXX, XXXX : {$440.00} XXXX. Account Opened : XXXX, Amount : {$1100.00} I dispute the validity of these debts and request that you provide me with validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request the following : A copy of the original signed agreement or contract. 
Proof that LVNV Funding LLC has the legal right to collect the debt. 
A detailed account of the amount owed, including a breakdown of principal, interest, fees, and any other charges. 
Any documentation that shows the chain of custody or ownership of the debt, from the original creditor to LVNV Funding LLC. 

Please note that statements or account summaries are not sufficient evidence of debt, as outlined in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. 

Additionally, I demand that you cease and desist all further communication with me, including phone calls, emails, and letters, regarding these alleged debts. This request also extends to any communication through consumer reporting agencies. Under the FDCPA, you are required to honor my request for a cease and desist. 

If you continue to contact me without providing the requested validation, or if you fail to cease all communication, I will be left with no choice but to consider legal action against LVNV Funding LLC for harassment and abuse. Below is an itemized list of potential costs associated with litigation : Filing fees : {$400.00} Attorney fees : {$300.00} per hour Court costs : {$200.00} Lost wages due to court appearances : {$300.00} per day Statutory damages under FDCPA : Up to {$1000.00} per violation Emotional distress : To be determined Please respond to this letter within 30 days of receipt. Failure to provide the requested validation and to cease all communication will result in further action to protect my rights.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (AZ)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (MI)

I was advised by XXXX XXXX ( recommended by the scammer XXXX XXXX, aka XXXX XXXX XXXX XXXX XXXX see attachment ) to obtain a LightStream loan to fund an investment opportunity presented by XXXX XXXX. I was informed that this loan would provide easy cash access for a business venture promising passive income opportunities. Based on their advice, I applied for and received the loan from LightStream. 

However, I later discovered that the investment was a scam orchestrated by XXXX XXXX. I provided detailed information and evidence of the fraudulent scheme to LightStream, but they did not honor my dispute. As a result, I have not paid the loan. 

I submitted the LightStream loan funds of {$50000.00} to XXXX XXXX of XXXX XXXX for investment services on XX/XX/year> ( please see bank wire transfer statement ). On XX/XX/year>, XXXX XXXX ( aka XXXX XXXX ) posted on his XXXX page ( XXXX XXXXXXXX ) that he purchased a red XXXX car from XXXX XXXX XXXX XXXX. The {$50000.00} LightStream loan was intended for investment, not for purchasing the car ( please see attached ). Additionally, I have not received any payouts. 

I am seeking assistance in resolving this matter as I have been a victim of a scam. I believe that LightStream should waive the loan taken out under fraudulent pretenses. 

I've also included the following supporting documents : The invoice from XXXX XXXX for coaching me through the loan process, which could have been done independently. 
Complaints from XXXX XXXX customers on their XXXX  page. 
The IRS XXXX XXXX indicating the scam used to defraud me, which my CPA considers illegal ; I have contacted the FBI and XXXX of Michigan. 
A flowchart detailing the sequence of events in the scam. 
Text messages between XXXX XXXX ( aka XXXX XXXX ) and myself. 
Contracts/agreements I signed with XXXX XXXX for the investment. 
Slides from XXXX XXXX XXXX on credit repair funding options, featuring Finance Factory and XXXX XXXX XXXX showing their direct connection. 
A slideshow from XXXX XXXX on the automated credit repair investment. 
An email from XXXX XXXX, the " funding expert '' at XXXX XXXX, referring me to XXXX XXXX, who assisted in funding the scam without notifying me.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX, I went to Bank of America to deposit a check for {$68000.00} at the time I made the deposit I was told that they would put a hold on the check and would release {$5300.00} on XX/XX/XXXX after XXXX XXXX  and the remaining balance would be made available on XXXX XXXX after XXXX XXXX. The deposit was made at XXXX XXXX on XXXX XXXX. I subsequently have found that the hold is actually the entire check and at XXXX XXXX. The entire check was held because they had indication that the check may be fraudulent with the bank at XXXX and the funds are available. It's not a fraudulent check, Bank of America lied to me when I made the deposit they bait and switched. If I knew the entire check was not gon na be made available until the XXXX. I would've gone to XXXX XXXX  to cash the check and bring the cash to Bank of America. Bank of America will say that that in their terms of service that they can put a hold on a check at any moment but what Bank of America confirmed was it when I made the deposit XXXX XXXX  and was told that funds would be made available on the XXXX after XXXX XXXX  that in fact, the entire check was going to be held because the times that were put on the account were exactly the same. Bank of America said they saw were XXXX would be made available and that was decided at XXXX XXXX  on the XXXX and yet again at XXXX XXXX  on the XXXX the entire check was held, to be released on the XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I recently looked at my consumers report and noticed several inaccuracies an accounts. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for full accuracy. These are the accounts i am asking you to investigate. 1. ( XX/XX/XXXXXXXX account number XXXX ) XXXX. ( XXXX XXXX account number XXXX ) XXXX XXXX XX/XX/XXXXaccount number XXXX )
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: NATIONAL ASSET MORTGAGE, LLC (AR)

My home was purchased in XXXX of XXXX through a lending company called National Asset Mortgage XXXX ( XXXX XXXX ). The original loan balance was XXXX. This was my first time buying a home, the interest rate is 9.9 % and number of months ( XXXX ) ; which is considered predatory lending given the factor that in XX/XX/XXXX the home value was {$9900.00}, {$13000.00} in XX/XX/XXXX and XX/XX/XXXX XXXX. Ive paid a total of XXXX into this home, requested a pay off and its still showing a remaining balance of {$29000.00}. Im in XXXX school and this has been a stressful situation on behalf of myself and my family. I was told by an attorney to file a complaint and reach out to the CFPB before taking any legal actions to see if the company can resolve the issue. The loan balance after paying mortgage for XXXX yrs has only decreased by {$2200.00}. I really need you help this is unfair and has caused a lot of anxiety and XXXX!