davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You spent {$1.00} at XXXX XXXX XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You were refunded {$1.00} at XXXX XXXX Note : I do not know where the business XXXX XXXX is located and I have never been there. 

XX/XX/2021, at XXXX XXXX Cash App : You spent {$1.00} at XXXX. I did not spend this money and never have used XXXX. 

Listed Phone number all Cash App Text is XXXX XXXX XXXX XXXX XXXX. 

I checked my actual account and nothing was taken out. I did not click on the link that was texted to me ( XXXX  )
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
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 I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore existsXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-25
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. (AZ)

My name has been used to obtain fraudulent accounts I did not apply for. XXXX XXXX  has been an identity theft account that needs to be removed from my consumer report. 
Account ( XXXX ) Account ( XXXX ) I want a copy of my alleged contract with this company my signature and Id that they obtained to grant credit.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian inside fraud by employees and managers the facts is were is the information to verify this fraud fake made up name to my experian credit report employee and management XXXX XXXX, XXXX XXXX This name above listed is inside fraud done by employees and management How are experian employees allowed to add inaccurate false made up names to your Credit Report to commit Fraud then press save the name to your credit report Why is Experian employees and management doing this if higher management didnt already OK make it make sense cause it dont inside fraud
Consumer complaint received 2023-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (NY)

My name is XXXX XXXX, unemployment transferred my funds to XXXX XXXX, the issuer of the cash app card, they sent it to an old account that I no longer have the login information to, I ask them to send it to my current account I sent them the trace letter that unemployment sent me that states where the funds are the account number and the amount I gave them my current cashapp info and they still refuse to see my money please email me at XXXX XXXX
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I leased a XXXX XXXX in XXXX and in XXXX of XXXX it was totaled. I was told when I went to lease a XXXX XXXX, that my GAP insurance did not cover the difference between the value and balance on my XXXX XXXX lease. I was told I could " roll in this {$3000.00} difference '' to my new lease. My car payment went up SIGNIFICANTLY as a result, to XXXX XXXX. At the time I thought this was both deceptive and misleading. So, the dealership sells me GAP insurance, and my insurance company gives me a fair amount for the totaled vehicle, but now the dealership that clearly overcharged me for a vehicle ( in the height of XXXX ) says it won't cover the entire lease balance? So, you get to overcharge for a car, sell the insurance, knowing the fair amount paid out by the insurance company will not cover the lease balance, and will be owed by the consumer. Then tell them you are rolling it into a new lease. 

I am surprised this is still happening with the class action lawsuit in place... 

When I went to buy out the car at the end of lease, suddenly I owe this {$3000.00} still and need to " put it down '' to purchase the car and will STILL have a $ XXXX car payment. No one would explain why this GAP insurance did not do what they claimed it would do when I was pressured into buying it. Furthermore, no one admitted to telling me the that the {$3000.00} difference was indeed rolled into the lease. When pressed, the story changed, and they claimed XXXX " wrote it off '' but I still needed to pay this to THEM in order to receive financing to buy the car. I said I needed time to find/transfer this {$3000.00} and they repossessed the car. Now they want the over-mileage charges, plus the {$3000.00} I owe from the deceptive GAP insurance issue and they are negatively reporting me to the Credit Bureaus. My XXXX XXXX from the same dealership, will be my last XXXX I ever purchase.
Consumer complaint received 2023-12-05
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc. (MS)

I got the car in XXXX of 2023 from a used car lot in Arkansas. Three months go by and it completely stop working out of nowhere. I called the company and tell them its a problem with my vehicle. They call me back and told me use my insurance to have a diagnostic test done and then they can go from there. I stated to them I'm not using my insurance for a problem that fell under their warranty. So they tell me have my insurance tow the car to their facility. Once again using my insurance to so something that they are suppose to do was not what I was told to do before I left the lot. They finally came and got the car and I am asking them when will they fix my car. They told me that I would have to come all the way to Arkansas and sign a paper so they can see what i have to come out of pocket to get fixed. So i stated to them that nothing should be coming out of my pocket and I need my vehicle fixed. They had my vehicle a month almost and still wanted a payment. I told them I would make a payment when they fix my car that was sitting on their lot int heir possession. They refused to fix it and told me that would be considered a repossession even though it was not a repossession.
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: Bread Financial Holdings, Inc. (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-12-05
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. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (AL)

I have been using cash app as for personal transactions. Cash App had been charging me a fee for receiving funds under the pretense that I was set up as a business account. I did not realize this shouldnt be happening until a friend asked why are they charging me a fee to receive money and this should not be happening. Immediately I reached out to cash app and explained to them the issue. They stated that I had been setup as a business account and they would change it immediately. I explained to them that I did not set the account up as a business account as I never was given the option to choose between personal or business during my account setup. I requested a refund for all the fees associated with their error of setting me up as a business. They only gave me {$6.00} for days of fees. I requested for all of the fees charged in error since inception of my account and now they have refused.
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (IL)

I signed into XXXX to look at the site and had to enter accept their terms to look at the site for one day and mad a payment. The next thing I find is a bill for {$380.00} being billed to my credit card. 

I contacted my bank and had them stop the transaction. They did and now XXXX turned their fraudulent actions over to their collection agency. 

I refuse to berobbed lied to and then tried to be collect a debt that I DID NOT CREATE. 

I intend to contact the XXXX  and file a complaint along with this one. 

This company does not operate under fair law rules!!!
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

In XXXX I attended corrupted school XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA for court reporting which I never graduated from due to the mismanagement of the school. 
On XX/XX/XXXX, I was forced to consolidate my XXXX loans which I have been paying on ever since. I was never made aware that my previous payments made before this time would not count towards my repayment which I have now been in for over XXXX  years. 
On XX/XX/XXXX, I inquired with Navient about the repayment years and was lead to believe that I would need to continue repayment and that prior payments were not counted towards my time in repayment prior to the XXXX consolidation. 
I have now been paying on the student loans from a corrupted school for almost 30 years with no relief in sight.
Consumer complaint received 2023-12-05
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft and I have been trying to dispute accounts that are fraudulent. The disputes are not being processed correctly according to the FCRA and I am not getting copies of the verification process That I am requesting. The FTC report I filed is not being attached to my disputes.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Zip Co US Inc. (MD)

Zip has repeatedly blocked my access to my account over the past 3 years, despite promises that their system had been fixed, they would not do so, and if it ever happened again I would be able to get it promptly resolved. When I submitted CFPB complaint XXXX, I also sent a letter to the company in writing requesting that my issue be sent to binding arbitration. Zip 's terms of service state that if I have a dispute with the company, I am able to request binding arbitration, and that if I request the company pay all of the fees relating to the arbitration, they will do so. Zip has not responded to my arbitration request. Instead, they responded to my previous CFPB complaint with an obvious lie ( they blamed my account being locked for over 2.5 weeks on a " bug, '' when in reality it was their overzealous sercurity filter behaving exactly as it was programmed to do, and then no one in the customer service department resolving my complaint within the promised time frame and taking weeks to unlock my account.

I have had to spend real money to send my arbitration request to Zip, so I have incurred actual financial losses as a result of this company 's actions, not to mention the countless hours of lost time and energy spent trying to deal with this. The company 's terms and conditions says we can do binding arbitration and the comapny 's expense, and this is what I am requesting. I have made the request in writing via USPS mail, and I have also emailed this request to Zip at least 5 different times at this point.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a credit card with Capital One for a small business that I own. Somehow they closed my account while it still had a balance and they had allegedly send me a notification which I didnt receive. I was out of the country and missed a payment when I tried to get The late fee waived they said that they couldnt as the account was closed. I then made a payment for the full balance of the account and assumed it was settled as I didnt receive any further notice from Capital one. Today, XXXX XXXX XXXX I login to the Capital One app and realized that I have a balance for late fees and interest. I contacted them to get the fees waived as I was not informed of these fees, never received a statement or any email stating so, to which they stated that they are not able to waive the fees and that I will keep getting charged until there is a XXXX balance. They told me that I had to call them to confirm that I didnt owe anything even though I made a payment for the account balance.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and Experian just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (FL)

Cash app decided to randomly close my account for no reason after having all my personal Information ( social, routing/tracking number, ID, and address ). 

They have no support number and only reply with a terms of service email when you contact there support option. This borderline fraud and stealing personal information without access to my account or a representative. Contacted them over 5 times on email to no avail.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (CA)

I leased a 2020 Honda Clarity PHEV from Honda financial services ( HFS ) in XX/XX/XXXX. My lease is ending soon, so I decided to buy the vehicle on XX/XX/XXXX for {$17000.00}. I was informed that my title was mailed on XX/XX/XXXX. The title was mailed to a different address than the one I requested on the title release form I sent to Honda Financial Services. 

After two weeks of not receiving the title in the mail, I contacted Honda and was told my account was closed as the title had been mailed and all I could do was wait for the title to arrive in the mail. 

It has been over 45 days since I was told the title has been mailed and I still have not received my title in the mail. I spoke with a representative at Honda Financial Services ( XXXX ), who said HFS will send some documents to request a duplicate title. I am still waiting on those documents. 

I do not know what else to do. I have purchased the car but am missing a very important document, the title. Please assist me with getting the title from Honda as soon as possible.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (FL)

On XX/XX/year> I informed Opploans that I was being represented by an attorney regarding this debt. I gave them the name and address of the attorney via phone and email. I was told by Opploans that I needed to get power of attorney for them to speak with my attorney regarding this debt. My attorney informed me that according to FDCPA 15 USC 1692 c 804 ( 6 ) and 805 ( 2 ) and Florida Statute 559.72 ( 18 ) that all I need to do is provide them the attorney information. This is not a bankruptcy attorney nor a debt consolidation attorney. This is a personal consumer rights attorney. They must direct further collections to him.