davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

On XX/XX/XXXX I was contacted via XXXX XXXX by a scammer XXXX XXXX who scamming partner XXXX XXXX worked together to scam me. 
I got proof of the email messages and messages through XXXX that was sent to me. 
I got proof of the messages that was sent to me on signal messenger to. XXXX XXXX instructed me to send {$100.00} by XXXX to XXXX XXXX who is a scammer himself. 
I wrote XXXX back in XXXXXXXX XXXX  letting her know I wanted to cancel with her because she is a scammer. I asked XXXX XXXX for a refund. XXXX promised me a refund in the XXXX messenger chat. I never received a refund from her, and she kept the money that I sent to her. I contacted Cash App on multiple times about the issue with me being scam by XXXX XXXX and XXXX XXXX. Cash App refused to file a claim and help me get my money back. I told Cash App that I was scammed by these two people. Cash App is a XXXX  Corporation there is no way they shouldn't be helping their customers. Cash App has a lot of complaints similar to my complaint by other people. I'm very unhappy with Cash App Corporation. Cash App should have taken action against these scammers and help their customers. Cash App should have helped me since I've been a customer with them for years. Cash App President needs to investigate this complaint. Cash App is a failure because they failed to help me with my dispute to get my money back from this scammer. I used Cash App when I got scammed by those people from XXXX. I will be willing to go to the news media and XXXX about my complaint against Cash App for not helping me, get my money back from the people wo scammed me. Cash App denied my dispute either though I told them I was scammed by those people who I sent money to.
Consumer complaint received 2024-06-21
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2024-06-29
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: NAVY FEDERAL CREDIT UNION (VA)

I reported fraud to my bank and they denied my claim and its not fair because someone took {$13000.00} out my credit card account. I didnt authorize these transactions and now XXXX in serious debt because a scammer stole my funds. 
My bank XXXX XXXX  says that their mission is to put members first but it doesnt feel that way to me. I shouldnt have to keep reexplaining to different bankers about it what happened. I dont feel like Im being taken seriously at all. I dont know if I have to get the police involved or get a lawyer and go to court to resolve this issue.
Consumer complaint received 2024-06-29
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. (TX)

I am submitting this request to inform credit Bureaus that I have been a victim of identity theft and to dispute certain accounts on my credit report. The accounts I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX {$5000.00}, XXXX XXXX Balance : {$470.00}
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IN)

Payment made XX/XX/year> XXXX XXXX XXXX account Paid online, received a payment confirmation, contacted company several times and was disconnected, was told that the payment was rejected for XXXX on an XXXX with no limit. Payment shows processed on the statement. 
Still receiving harrassing calls regarding the debt i had payed.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (WY)

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting it to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate correction of this account and compensation for the damages caused and thorough investigation in this account and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. Please help me correct this account : XXXX XXXX XXXX Balance : {$29000.00}.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

Today, XXXX, I decided to use the CashApp program that so many others have recommended. When the XXXX asked me to enter information to verify my identity ( my date of birth and the last XXXX digits of my ssn ), I did. I IMMEDIATELY received this notification : " Your Cash App account has been closed. This happened because the info you entered is linked to a Terms of Service violation. '' I immediately went to 'CONTACT US ' as I have NEVER used this CashApp service before. I first got a XXXX XXXX XXXX  then finally what was supposed to be a live XXXX -- XXXX different ones who said they same thing, therefore, causing me to think it was just more XXXX XXXX  using real people 's names. The 'people ' refused to tell me why saying XXXX don't know ' and/or could not disclose the information!! Why? I asked, and was still refused the information or reason why! So, I screenshot all of the messages in the chat and wrote that I would proceed with the CFPB to access information on why I am being denied services to a service I have NEVER USED. Typical case of 'Discrimination ' since they requested my SSN ; or, 'Identity Theft ' since it seems that CashApp is always in the news, but supposedly they had better security now -- apparently not!! I am attaching as many of the screenshots that your system will allow - XXXX total...
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION (SC)

I am writing to request that Regional Acceptance provide me with the separate Truth in Lending Disclosure document mentioned in the refinancing agreement with XXXX XXXX XXXX. 

Under federal truth in lending laws, specifically Regulation Z, lenders are required to provide these detailed disclosures, including the Annual Percentage Rate ( APR ), finance charge, amount financed, and total of payments, before the consumer becomes obligated on the loan. 

I have received two documents from you regarding this auto loan, but both of them state final agreement, that they are just estimates, and that a separate Truth in Lending Disclosure will be provided. All of these statements are contradicting. I never received this separate Full disclosure document as required by law that is mentioned. Without these disclosures, I am unable to fully understand the terms associated with this auto loan.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

Dear Equifax XXXX XXXX, I am writing to formally dispute XXXX fraudulent accounts that have appeared on my credit report. Despite numerous calls to your support team and completing the necessary verification processes, I am still unable to access my credit report. 

Please find my details below : - Confirmation Number : 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 I request your immediate attention to resolve this issue and XXXX me access to my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2024-04-29
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. (NV)

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 2024-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

I made two money remittance with Sigue Corporation, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was for {$990.00} dollars on XX/XX/year> and the other was XXXX XXXX XXXX XXXX  The person receiving the remittance was XXXX XXXX XXXX and when she went to pick up the money, she was told there was no money sent to her name. 
Then I called Sigue customer service and was told I would get my money back in one month. After a month I called Sigue back and was not able to get through, I have been calling ever since then but have not been able to talk to any of their representatives.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

**Subject : ** Dispute Request for Refund of {$340.00} I am writing to formally dispute a transaction and request a refund of {$340.00} for an item I purchased via XXXX XXXX XX/XX/year>. The item was shipped from XXXX, and I was informed by the seller that there would be delays due to the holidays. After waiting the recommended XXXX days, and maintaining consistent communication with the seller, the item still had not arrived. I contacted the seller again, who confirmed that the item had not been able to be located, and an investigation with customs had to be open. The seller agreed to issue a refund but was unable to do so directly due to XXXX 's XXXX refund policy via the web. Consequently, I was advised by XXXX to dispute the charge with my bank to be able to obtain my refund. I submitted all supporting documentation to Discover Bank, including the sellers willingness to refund the amount. However, my refund request has been delayed/ denied and I have not yet received the funds. I request that Discover Bank promptly issue my refund of {$340.00}. I have provided all necessary documentation and evidence to support my claim. I appreciate your prompt attention to this matter and hope it can be resolved quickly.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (AR)

PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have requested a debt validation from this debt collector within 30 days of them reporting to my consumer report an alleged debt of {$2800.00} They have answered within 30 days with some information, however all of the information I needed to verify was not included, so I sent another letter within 30 days requesting more information. I also requested they cease all collection efforts until all requested information was given. 

They have received this letter, as it was sent certified with return receipt. However I have received nothing from them and they have continued to make collection efforts during this period of 3+ months of waiting for a response. 

Them continuing to make collection efforts after receiving my letter quoting the FDCPA demanding a cease and desist while this debt is in the validation process is a violation. Subject to {$1000.00}.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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. Account needs to be removed from report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I filed a complaint with the cfpb Complaint # XXXX XXXX About transunion not allowing me to view my credit report online. Their response was that the social security department reported me deceased. But transunion failed to mention this was the second time they had made this false claim. I have contacted the social security department and they assured me this was not true after I identified myself the social security department checked their system and there was nothing that stated I was deceased
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on XXXX. 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 in XX/XX/year> to XX/XX/year> to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


AMEX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on XXXX. 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 in XX/XX/year> to XX/XX/year> to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


AMEX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX  account XXXX was opened. This is a fraudulent account reporting on my credit report. This account is a result of identity theft and needs to be removed from my credit report within 4 business days ( Per U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on XXXX. 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 in XX/XX/2023 to XX/XX/2023 to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


AMEX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NV)

Aspire credit card never disclosed to me prior to obtaining a card there would be {$9.00} a month charged for a card carrying a XXXX balance. That would be {$110.00}. per year without any use of the card. Theft and failure to disclose this charge prior to opening account. 

I paid this account in full on XX/XX/year>. Yet I will be charged {$9.00} for each month forward without any activity ( usage ). Is this legal and why was I not informed before accepting this card? 

Cancelling this card will affect my credit rating.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Today, XXXX XXXX XXXX XXXX XXXX somebody attempted to open an online banking account with Bank of America in my name. I learned of this through XXXX emails from XXXX XXXX XXXX XXXX ) welcoming me to online banking XXXX ) notifying me that my account had been denied and XXXX ) asking me to update my email. Over the phone at approximately XXXX XXXX, a representative of the BoA check fraud department notified me that my ssn had indeed been used in an online banking application.