davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Square Inc. has been holding our money for over 247 days as of XX/XX/XXXX and refuses to transfer it to our bank from their POS portal. The balance of {$3400.00} that is due to us has been held on their POS platform and they have suspended our account and refuse to transfer the money out. We have contacted customer service via phone and email since XX/XX/XXXX till today and they refuse to help or tell us why this money is being held. They have emailed us back in the past saying " we will release your money after XXXX days '' but it has already been over 247 days as of today and we have not received a penny of the {$3400.00} balance that is ours. We have tried to follow up but their customer service is unresponsive. We provided invoices matching the transactions upon their request and they still refuse to transfer the money that we earned into our bank account. The first transaction from this balance dates back to XX/XX/XXXX with an amount of {$750.00} at XXXX. The second transaction of {$1300.00} on XX/XX/XXXX at XXXX. The third transaction of {$720.00} on XX/XX/XXXX at XXXX and the last transaction of {$720.00} on XX/XX/XXXX at XXXX. Square was quick to take their fees out of these transactions but will not release our balance into our linked bank account. 

Square is leaving us with no other option other than to file a report to CFPB.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX are Scammers. A dentist who used XXXX XXXX to approve and finance my dental care for {$17000.00} which was charged to the card without the dental office doing absolutely anything but x-rays and putty impression to fit me for permanent overlay crowns that I didnt need or receive. The dentist said that he would bill the remainding cost to my insurance company, whatever that amount might have been. After a XXXX and no appointment to do my cleaning. I decided to get a second opinion concerning my dental needs. The second dentist gave me a complete service charge breakdown and care plan with an estimated cost of {$4300.00} to do the dental services. I then call Cowherds office and told them I had decided to go with another dentist and would not be coming back because I felt leery of the services. Right after the call to his office, I got an alert from my credit card company informing me that he had just charged my card {$17000.00}. I called the credit company and they advised me that I could dispute the charge, and I did. After going to court, All of the money was finally returned but XXXX XXXX charged me excess fees such as processing and late charges because they said they did not receive my payments which I sent directly to them each month and they said they never received the check or online payments I made. This is false and they claim my bank was in fault and caused the payment problem. XXXX XXXX in my opinion are scammers. Be ware!
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I received money thru cash app from someone I know I sent the money to my XXXX XXXX checking account. The next morning in my XXXX account it said reversed. I confirmed with XXXX XXXX that it was reversed. The next day it shows that the money did post to my account but in between all that XXXX XXXX told me to dispute the money. They didnt tell me that dispute means theyd deduct the money from this person account. I figured they would research why it said reversed if it wasnt. So when I told them to close the dispute theyd already reached out to cashapp who then deducted {$300.00} back out of this person account. Long story short I cancelled the dispute XXXX deducted the {$300.00} out of my account and have sent this info to cashapp who say they never received notification that the dispute was cancelled. Ive called 1000 times Ive chat with them online which is useless Ive spoken with XXXX numerous times snd they sent a letter confirming the dispute was closed. Ive sent this letter to cash app 3 times and still nothing.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (IL)

My information was used fraudulently to finance a truck. The person stop paying for the truck and now this information is on my credit and im being sued for whats owed on the vehicle. Also I filed a police complaint as well.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit management has harassed me every day since they bought out my closed credit card. They call continuously everyday multiple times a day. They have called me at all hours of the day and recently started calling me first thing in the morning and late at night. They email me weekly regarding the debt. I can not afford a payment plan. They have recently changed the area code to be an area code around me to try to make me answer their phone calls. XX/XX/XXXX I did and before I could say hello an XXXX man said XXXX dont hang up I have a debt collect in the phone and the woman instantly was like we are trying to collect a debt and if we dont you will be sued and we will take legal action. Are you XXXX. I asked who they were but they wouldnt tell me or tell me what debt they were trying to collect. After minutes of this I told them I was not XXXX and hung up. Today on XX/XX/XXXX I received a XXXX  package from them with prelegal bill trying to collect the debt. They paid for 2 day air shipping to harass me more regarding the debt. Every time I get anything in email, mail or call they threaten to sue me.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (PA)

My account with TARGET/TD was never late! I have had exceptional payment history with TARGET/TD 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 in 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 2024-05-23
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date XXXX I am writing to request that you remove the child support information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 1 ), child support obligations are not considered " credit items '' and should not be included on a credit report.

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has stated that " child support obligations are not debts and should not be reported as such '' ( CFPB Bulletin 2016-01 ). 
Please remove this information from my credit report immediately. My account information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX Credit Report Number : XXXX Please confirm in writing that this information has been removed within 30 days.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC (MI)

I received a email to settle my account. I called to accept the settlement and credit card company told me I needed to call back closer to when I could make the payment. I called back on XX/XX/XXXX to accept the settlement amount and schedule XXXX payments that would close and settle the account. I sent up XXXX payments for {$55.00} first to be deducted on XX/XX/XXXX and the next on XX/XX/XXXX. I asked the creditor to provide a letter agreeing to the settlement that included the terms of the settlement. I was told they wouldnt provide that until the XXXX payments were paid. I thought this was very odd because I wouldnt have any documentation of me agreeing to the amount I accepted. On XX/XX/XXXX the XXXX payment was deducted. I called back requesting documentation again because I kept receiving emails with different settlement amounts. Still they wouldnt provide the letter. I even asked to speak to a supervisor and they said they do not provide settlement letters until its paid in full. So I called back the week before the XX/XX/XXXX payment was due to confirm the payment was being deducted and asked still asked for a letter and they now said the settlement is pending until the last payment is received. Its not XX/XX/XXXX and they didnt deduct the last payment. I called today and the customer agent stated there was no settlement agreement for my account so I stated that was impossible because the initial payment was made already so I asked to speak to a supervisor and she stated its pending and that there was no payment set up to come out on XX/XX/XXXX. I told her this is why I requested the letter documenting me accepting the settlement because they keep sending me emails with different amounts and no that the final payment hasnt been deducted this is hurting my credit. Since they record every phone call I asked that she go back and check XX/XX/XXXX when I called and set the XXXX payments up to be automatically deducted from my debit card.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP (CA)

I have a first mortgage with US bank with account number XXXX. We are demanding payout for my home sale to opendoor scheduled to be closed on XX/XX/year>. This is to avoid an auction scheduled by XXXX XXXX ( my 2nd mortgage ) on XX/XX/year>. 

US bank refuses to give a timely payout amount requested by escrow. They say it is because I filed bankruptcy recently. Yet the bankruptcy was dismissed on XX/XX/year>. I have emailed them the dismissal weeks ago. This is public information on court system pacer. It does not need so much time to update. 

US bank has been working with XXXX XXXX to get my home on auction. This included falsify business banking statement. I wrote a check to XXXX XXXX which was cashed in my US bank account. Yet, later, US bank changed my statements and that cashed payment disappeared from my US bank business account. 

This time, they delayed giving me the payout amount, and try to put my home on auction. We have all the paper to proceed with the escrow closing, and their payout letter is holding up our sale. 

I need your help to make them provide payout letter immediately and investigate the relationship between XXXX XXXX and US bank. Why US bank help XXXX XXXX repeatedly to put my home on auction? 

Thank you very much!
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PR)

I filed a complaint with the Credit Card Company and I'm including all the communication ( XXXX XXXX XXXX XXXX ) between the Credit Card Company, the Merchant and me.

In summary, there were two issues : 1. The merchant offers different advice service for the trading / investment in the stock market. The promotion of this specific service I purchased is a fraud. After 45 minutes video and long promotion the claim ( XXXX XXXX XXXX XXXX XXXX ) is " 100 % accurate in picking only winners for year-long stretches ... ''. ONLY AFTER THE CREDIT CARD PAYMENT IS PROCESSED, I had access to the transactions performed during the last two years. The accumulated TOTAL for last two years is negative in both years. I requested to cancel the service with the merchant and with the credit card the very first day, since it is clear that the service was a fraud.

2. The other issue is that I paid for a year subscription of an advice service that claims to use software that find & follow the trades of successful well renown traders as " XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX " Then, 45 days after I subscribed, they decide to CANCEL the " XXXX XXXX XXXX '' with the " XXXX XXXX XXXX '' and just transfer to OTHER ADVICE SERVICE called the XXXX XXXX XXXX  ( XXXX ). They claimed the service was similar. 
In my book if I subscribed to a service for a year and THE MERCHANT decided to discontinue that service and the client DOES NOT WANT THE ALTERNATIVE PROVIDED, simply you must be entitled to a refund for the period the service will not be provided. 

In both cases, a misleading promotion and a cancellation, the merchant did not want to return the money because according to them they have a " non refund '' policy. This is the reason why the Credit Card is based on the reasoning of the merchant ( XXXX XXXX XXXX ). It is my opinion that " non refund '' policy that does not provide the service is a steal. A credit card company must protect their clients from this type of frauds, not allow them.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

My identity was stolen and used to rent an apartment at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XX/XX/XXXX. Ive never been to XXXX XXXX XXXX. I live and have a successful business in north GA. The fraudster was turned over to collections for {$10000.00} XXXX with National Credit Systems XXXX XXXX XXXX GA XXXX I learned about this fraud when a credit report was reviewed in XXXX of XXXX in the course of renewing a business line of credit. I notified XXXXXXXX XXXX XXXX of the fraud, filed an FTC report and police report with XXXX XXXX XXXX XXXX and requested copy of the rental file. XXXX XXXX has refused to return multiple calls or respond in any way as required by law. National Credit Systems reported this fraudulent data to the credit reporting agencies. Despite being provided with every piece of documentation they required, they have refused to remove this fraudulent account and have continued to send threatening mail correspondence, threatening legal consequences. Despite emailing me that this matter was resolved, They have recently turned this account over to the XXXX XXXX XXXX XXXX XXXX also of XXXX GA, who recently called my business during the XXXX XXXX attempting to collect. I have also given written notice to XXXX XXXX XXXX that this account is the result of identity theft and sent the law office all supporting documents as well and have reasonably asked for notification of final resolution of this fraud. They have ignored my request. When supplied the same information, XXXX removed the fraudulent account from my file promptly as did another collection agency who handled the fraudulent XXXX XXXX XXXX left behind by the fraudster. When supplied with ample information that this account is fraudulent, both XXXX XXXX Apartments of XXXX XXXX XXXX, National Credit Systems, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX continue to try to collect, threatening to adversely effect my credit, adversely effect future offers to extend credit, insurance, and use the legal system to force me to pay. They do not have a rental contract with my signature, nor have they ever met me at XXXX XXXX. Given that all parties have been given definitive proof of identity theft, Their efforts amount to a planned, well-organized criminal enterprise bent on extortion of their innocent victims. A quick on line search revealed I am XXXX of a multitude of victims of their various schemes. In my case they are using identity theft crime as a pretense for extortion preying in the victims and worsening the damage done to innocent victims credit and as a result, their lives. The XXXX website reports a XXXXXXXX XXXX  rating out of XXXX for the XXXX XXXX XXXX XXXX XXXX and perusal of the multitude of reviews corroborates my experience as hardly unique.
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (NY)

THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX  Installment Loans XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Dealers , Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS XXXX XXXX XXXX THEY MUSTVE TAKEN MY INFORMATION
Consumer complaint received 2024-06-18
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: Radius Global Solutions LLC (TX)

I'm in the process of trying to purchase a home and it was brought to my attention that my credit report has been damaged by these collection accounts. This is a defamation of character and I've asked for the purchase agreement to show full ownership so that I may verify the information. According to the Reporting Act15 U.S.C. 1681 it should NOT be any damages on my report!
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased a car from the XXXX XXXX XXXX XXXX in the summer of 2018. The debt stared reporting in XXXX of 2018. The finance company is Credit Acceptance. The problem began when i fist purchased the car. I was told that my trade in was being taken. I left the car that i traded in at the dealership only to find out later that i had been deceived by the sales person and the finance person. The car i traded in was never paid off. Two weeks later i got a call from the lender that i had the loan with telling me i was late on my payment. I called the dealership and found out that my old car was towed as if i just left it there. I ended up with two car notes. The dealership was notified as soon as i got a call from my lender about the car that i thought was traded. I also notified my new lender about what happened. Neither the dealership nor my new lender took any action to rectify what happened. Now i have multiple late payments on my credit report and i also was burdened with two car notes for two years. I want to purchase a home now but my credit is wrecked.
Consumer complaint received 2024-05-23
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. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 


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