davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (TX)

There exists a problem with fraud as it pertains to CashApp which supposedly is owned and/or operated by Square Inc . The bottom line is that, I have {$40.00} in my CashApp account which is effectively stolen by Square Inc., and in the possession of Square Inc., to which I have no access whatsoever. I have a CashApp debit card in my possession to which all of my in person transactions have been and continue to be denied without any explanation whatsoever. Even worse is that I have absolutely not way, whatsoever, to get in contact with CashApp regarding the inaccessibility to my funds. On XX/XX/2021 at or around XXXX XXXX. CT I tried to login to my CashApp account online via a full web browser and I received a message stating that the request could not be processed and to, instead, access support via the CashApp app on my cellular phone. The problem here however is that when attempting to access support via the CashApp app the app repeatedly crashes each and every time. Thus, I am not able to contact CashApp via their very own prescribed methods of contact. Furthermore, I am not able to contact CashApp via telephone either. Thus, I have no means, whatsoever, to contact CashApp and I have no access to my funds in my CashApp account. This is fraud by definition and is causing severe distress since this is the form of payment used for day to day transactions. See attached notice via CashApp ( Square Inc. ).
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CT)

On XX/XX/2017 I took an {$800.00} loan out from XXXX XXXX XXXX XXXX. The percentage rate they charged was XXXX % for the 1st loan and XXXX % for the 2nd loan On XX/XX/2017 I took a {$1500.00} loan out from the same company. 

Ultimately the {$800.00} loan cost me {$1800.00} and the {$1500.00} loan cost me {$8100.00}. 

After doing some investigation, I discovered that payday were were illegal in the state of CT and loans were capped at 12 %. In addition, lawmakers were going after the tribal loan company for their practices. 

XXXX XXXX XXXX XXXX is not registered in CT.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/year>, I received XXXX booking cancellation emails from capitalone XXXX XXXX and mentioned that XXXX of my reservations have been canceled ( XXXX, XXXX, XXXX ). I called the capitalone travel team at XXXX. The agent informed me that capitalone travel never canceled these bookings, they were canceled from the travel protal ( indicating they are canceled by myself ). I raised a security concern that I didnt canncel these bookings and you said you also didn't canceled them, then that might be someone else logging into my account to do it. The agent went back and double check again and insisted on what she had said. Later on, a supervisor was brought online and updated that these bookings were canceled by the corporate and if I have any concerns, I shall contact capitalone credit card department. I replied that I didnt receive any email from capitalone to explain what is going on and reason to cancel the booking. I let the supervisou know that after making these bookings, I had also book non-refundable flight tickets for the family travel. This cancellation has siginificantly impacted my travel plan but he can not offer any resolution and help with that. I feel terrible what if I were to go ahead and arrive the hotel for a stay, and the capitalone canceled the reservation, what we should do for a family travel. Until this point, no any official explanation from capitalone for the cancellation.
Consumer complaint received 2024-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got an email this afternoon about a credit application for a credit card I did not apply for. The credit card was for capital one. Because I had credit freezes in place, the application did not go through. I immediately got a credit alert from XXXX and called them to try to dispute. XXXX told me that they can not remove hard inquiries and that I needed to contact the creditor. I called capital one and was transferred to 5 different departments before I was told I needed to file a FTC report and then email them the report to try to remove the inquiry.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/XXXX, I deposited a check for XXXX XXXX at the Bank of America branch. I was told that the funds would be available on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I received emails indicating the funds would be available on XX/XX/XXXX, this changed to XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. They confirmed that they received the funds on XX/XX/XXXX but will not release until the XXXX. This is unfair that they are holding my funds and not releasing them. Ive been a customer since XXXX  and this treatment is not acceptable. They originally told me that the funds were unverifiable. But after I spoke to my lawyer who confirmed that the check was cashed. They said they indeed had the funds but would not release them. This treatment needs to be called out.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

I have derogatory remarks on my credit report due to false information reported by collections which should be removed from my credit report pursuant to 15 U.S.C. 1681 ( b ) and Pursuant to U.S.C. 1681 ( a ) ( 4 ) right to privacy. They are also in violation of 15 U.S.C. 1692c, as NO THIRD PARTY HAS MY CONSENT TO COMMUNICATE WITH ME IN THE CONNECTION OF COLLECTING DEBT. I have no business with LVNV FUNDING LLC and never entered into a contract with them to pay any debt they are claiming is owed. Delete the account immediately from my credit report.
Consumer complaint received 2024-05-10
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: GOLDMAN SACHS BANK USA (NY)

I did not purchase a flight from XXXX airlines on my Apple credit card and the airlines confirmed over the phone that I didnt take this flight. They offered to reimburse partial credit, deducting XXXX and change from the total. I feel this is unfair because it wasnt mine to begin with. 

Apple Goldman Sachs requested an evidence option to help me but I couldnt get the information in time for the resolution. Once I finally got something, I didnt get the option again and Im charged every XXXX months while I dispute it again for about a year now. I contacted the provider and I was under the impression they do too for their own evidence.
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (NM)

I received a call from this company saying I had an owed debt and that I either need to pay {$7000.00} in settlement or pay {$2200.00} in order to set up a payment plan. I told them repeatedly I can not afford that amount and they insisted if I do not pay either of those amounts that I would be sued, despite my trying to set up a payment plan arrangement. I have received no notification via mail or email saying anything about legal action and all of the reviews listed for this company say this is a fraud tactic. Additionally, I was told unless I provided my bank account information they were going to close my file and that I will be sued if not. Then they said I had until XX/XX/2023 to pay or the creditor would take legal action. I've received no proof or declaration of legal action and I feel I was coerced into providing my bank information under the threat of legal action.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 
Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly 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 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  written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

Subject : Consumer Financial Protection Bureau Complaint Against Waypoint Resource Group Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Waypoint Resource Group regarding inaccurate credit reporting information and unjust collection activities concerning an alleged debt attributed to my name. Despite my repeated attempts to resolve this matter directly with Waypoint Resource Group, they have failed to provide adequate documentation to substantiate the validity of the debt in question. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. My direct contact number is XXXX. 

The specifics of my complaint are as follows : 1. **Inaccurate Debt Reporting** : Waypoint Resource Group has reported an outstanding debt associated with my name, yet they have failed to provide sufficient evidence validating the existence and accuracy of this debt. Despite my requests for documentation, including signed contracts or agreements pertaining to the alleged debt, Waypoint Resource Group has neglected to provide such evidence.

2. **Violation of Fair Debt Collection Practices Act ( FDCPA ) ** : Under the FDCPA, debt collectors are required to provide accurate information regarding debts owed by consumers. Moreover, the FDCPA prohibits debt collectors from engaging in unfair or deceptive practices. Despite these regulations, Waypoint Resource Group continues to pursue collection activities without providing the necessary documentation, thus violating my rights as a consumer.

3. **Demand for Resolution** : I demand that Waypoint Resource Group take immediate action within 30 days of this complaint by providing documentation validating the existence and accuracy of the alleged debt. Furthermore, I request that all collection activities related to this alleged debt cease until the requested documentation is provided.

Failure by Waypoint Resource Group to comply with this demand will result in legal action. Any continued attempts to collect on this debt without providing the requested documentation will be considered further violations of the FDCPA.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Waypoint Resource Group for their failure to adhere to federal regulations governing debt collection practices. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Direct : XXXX cc : Attorney XXXX XXXX XXXX.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

I transferred {$500.00} from my XXXX XXXX XXXX account to my new PayPal Savings account. The funds were deducted from XXXX 2 days ago, and were supposed to be settled in my PayPal account today. It seems my {$500.00} is in limbo somehow. I first spoke with Paypal about it, then XXXX. The PayPal Savings balance is still showing as XXXX, and they need to update my balance to {$500.00} now. Thanks!
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (VA)

I am writing to file a formal complaint regarding a collection account labeled ONEMAIN Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITICARDS CBNA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear to whom it may concern, Re : Settlement Offer for Account Number XXXX I am writing to propose a settlement offer for the above-mentioned debt. As you are aware, I have been experiencing financial difficulties and have fallen behind on my payments. After careful consideration, I am offering to pay 50 % of the outstanding balance in a lump sum payment. 

This offer is a one-time settlement proposal, and I believe it is a reasonable and fair compromise considering my current financial situation. I am willing to work with you to find a mutually acceptable solution and avoid further collection activity. 

If this offer is acceptable, I request that we enter into a written settlement agreement that includes the following terms : The creditor agrees to delete the account from my credit file upon signing the agreement.

The creditor reports the account as " paid '' or " settled '' to the credit bureaus, once settlement is paid.

The creditor waives any remaining balance and agrees not to pursue further collection activity or legal action.

If I fail to make the agreed-upon payment, this settlement agreement shall be deemed void, and the creditor may : - Put the account back on my credit file - Pursue collection activity or legal action to recover the full amount of the debt Upon completion of the settlement payment, I will be eligible to apply for credit and conduct business with the creditor in the future, subject to the creditor 's standard credit approval processes and terms.

Please let me know if this offer is acceptable, and we can discuss the details of the settlement agreement. If not, I would appreciate any alternative proposals you may have.

Thank you for considering my offer. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Sunrise Credit Services , Inc. ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone # : ( XXXX ) XXXX They reported a derogatory remarks to the credit bureau and damaged my 16 yrs pristine credit records ( Score of XXXX ) based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication. I am traveling at this moment outside the USA. Without any telephone communication and just and based on the failed communications and one mail ( I never received ), they reported a derogatory remarks to my credit score. 

This debt collection agency did not try to reach out to me in enough means, not even try to have a successful written email or mail communication before damaging my credit history. I would like to pay off the balance ( {$120.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I paid the debt and settled on XX/XX/XXXX ( Recipt # XXXX ) as soon as I got notified by my credit bereau reports. I want the reporting agency to remove the derogatory comment and delete all these collection remarks from my credit history. 

I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 
Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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. (IN)

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
XXXXXXXX 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 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (CA)

I asked the company Acima to verify an account that turns out to be identity theft and a fraudulent account. I sent correspondence to the company certified mail with my ftc report. Pursuant to18 U.S. Code 1028 I demand this information be deleted from my credit report as I am a victim of identity theft. This company tried to advise me that I needed a police report to flag my account as fraudulent when notification from me the consumer is enough there carelessness in handling my consumer file leaves me vulnerable to identity theft
Consumer complaint received 2024-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo purchased the loan from another bank. During the course of the mortgage monthly payment amount would change often, Received threating XXXX letters. Fluctuation changes often regarding taxes, fees, and insurance charged. Constant collection phone calls XXXX to XXXX times a day. Would be told different payoff amounts constantly. While making payments balance seemed to never go down while paying on the principal balance. Wells Fargo was one of the worst banks I ever dealt the constant harassment was ridiculous.