davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (WV)

I currently bank with Cash App, which is XXXXXXXX XXXX  Apparently their idea of a deposit slip is just a name with the amount of money so I asked them. Could I get a copy of the direct deposit that the bank initially put in there from the other bank, so I dont have to call my job and Wage Labor and complain about my deposit, they refuse to give me one. They told me to contact the person that put it in there and then they could contact the bank bank because the bank XXXX XXXX They give me a paper and it has where the deposit comes from. As you can see in the photographs, there are three different direct deposits on that one is from West Virginia choice. The other is from XXXX and the next is from choice West Virginia choice was the company I originally worked for XXXX XXXX took them over and I dont know who choices but when contacting them to find out, they wouldnt give me any information so I then had to file with my employer and file with Wage and Labor due to the fact that they cant seem to give anything out and give you a complete copy of your deposit and from humans from they just put whatever they want to on there apparently
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CA)

Company has continued to harass me despite my attempts over the years to resolve. This debt was paid when I refinanced and evidence was provided 2 years after the debt was paid. We have since moved and discarded many those documents from 2016. I no longer have access to the escrow company to provide evidence. At this point we have issued 2 cease and desist letters as I know longer wish to go around and around - this harassment has been continued for many years. When I call to ask them to stop they refuse to listen or provide go back into their records and only tell that they have received this account from another debt collector and I need to re-send. 

I no longer wish to communicate with them and we are now past the statute of limitations.
Consumer complaint received 2018-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I was making extra payments on my Home Loan with Rushmoore on their web site. I made a payment in XX/XX/2018 that my Bank ( XXXX XXXX XXXX ) provided me with a withdrawl fax, clearly showing that Rushmoore had taken the money out. I provided Rushmoore with the certified letter from my bank via FAX to the Consumer Affairs department. I have spoken with 4 customer service reps, and a manager called " XXXX '', each time they tell me its be " expedited '' and they are working on it. Its been 3 weeks, no return phone calls as promised and no response, as they dont have email???? I am actually a month ahead on my loan, but not according to Rushmoore and i cant get an answer. I feel like i am calling XXXX when i call. Please help.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (WA)

On XX/XX/year> I wired two payments of {$700.00} to a landscaping company using Zelle. The second payment was an accident and I didn't realize it until a week later. My bank, XXXX shows that both payments were deposited. However, the recipient is only showing their bank deposited one payment. The funds were not returned to me. I tried filing a dispute for the transaction, but the funds are gone from my account. The recipient tried to file a dispute with her bank, but they said there was no transaction record to dispute. Therefore, no institution seems to have my money. It is just missing from my account. Zelle is impossible to reach. I submitted messages using their online form and had zero follow-up. I have called the customer service number but it is a simple menu with no option to speak to a live agent. I have searched the internet for an alternate phone number but can not find one.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-12-13
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. (CA)

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 CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG 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. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXXXXXX {$960.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXXXXXX XXXX {$710.00} XXXX XXXX XXXXXXXX {$8800.00} XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for or purpose.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (OR)

I have my own bussiness and was accepting card payments they square. The company closed my account and deactivated it. And held my money for 90 days. Funds were supposed to be released on the XXXX of XXXX but they have not been released yet. I have also tried contacting them and have not been successful
Consumer complaint received 2023-12-13
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person. i also have a screenshot of a email sent from them saying they not gong to complete my dispute do to they think its a 3rd party or not me sending the letters.
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  - XX/XX/XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX and XXXX the car dealer shared my information with nine creditors without my consent. I never authorized chrysler to pull my creditl
Consumer complaint received 2024-07-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Investment Retrievers, Inc. (SC)

Complaint Regarding Violation of Consumer Rights by Collection Agency [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally complain about the actions of [ INVESTMENT RETRIEVER ], which has been engaging in practices that violate my consumer rights as outlined in federal regulations and the Fair Debt Collection Practices Act ( FDCPA ). 

I wish to bring to your attention the following violations by [ INVESTMENT RETRIEVER ] : 1. Despite the requirements set forth in 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide validation information for the debt they placed on my consumer report. This action has resulted in inaccurate and misleading information being reported about me.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The collection agency has neglected to provide me with the necessary procedures to challenge the debt and provide supporting documentation.

3. The collection agency is violating my consumer rights through the use of false, misleading, and deceptive means in their debt collection practices. These actions are not only unethical but also unlawful under federal regulations such as 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

In my dispute letter to the collection agency, I have made the following requests : - I dispute owing any and all debts to the collection agency. 
- I revoke all rights for the collection agency to communicate with me via email, text, or phone calls. 
- I request debt validation for the purported debt. 
- I request the purchase agreement between the collection agency and the original creditor. 
- I request proof of the collection agency 's licensing and bonding. 

I have attempted to resolve these issues directly with the collection agency, but they have been uncooperative and non-compliant with my requests. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that my rights as a consumer are protected. 

I kindly ask that the CFPB investigate the actions of [ Collection Agency 's Name ] and take appropriate measures to ensure their compliance with consumer protection laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and response from the Consumer Financial Protection Bureau. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint against TransUnion Credit Reporting Agency. I submitted a request twice for investigation XXXX XXXX XXXX account ( Acct Number # XXXX ) from my credit. I submitted enough information and TransUnion to carry out a reasonable investigation of my dispute. 
They did not investigate properly instead they used XXXX system. I submitted a letter from origin creditor in which stated that he will remove the account from third-party collections and instruct the collection agency to delete any negative information reported to my credit report file relating to this account. But TransUnion did not investigate this account thoroughly enough and keeps this account in my credit file. 
It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 
I may suffer damages because I rely on an accurate and complete statement of my credit record and demand that TransUnion remove the disputed items from my report immediately as They failed to comply with the law. Transunion Credit Reporting Agency must pay up {$1000.00} fine for violation of the Fair Credit Reporting Act. 
I am requesting your assistance in putting an end to this matter.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (MD)

This was a credit card my ex-spouse had opened before we met and had me co-sign but I never used it. When we divorced in XXXX, he was ordered by the court to remove my name from the account. He did not comply, stopped making payments, and the account was closed with negative remarks. I made numerous attempts to have this remedied, but the bank refused to honor the court order, and my credit has been severely negatively affected.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CO)

XXXX XXXX American Express Credit Card made the fraud advertisment and did not pay {$400.00} flight credit as well as XXXX bonus miles as stated online. I opened XXXX and XXXX XXXX XXXX XXXX together, but the XXXXXXXX XXXX XXXX provided all of the benefits but American express did not provide any of the promotion credit but charged all of the fees. American Express can be sued for false advertisement and fraud activity to the new credit card holder. American express also lowered my XXXX XXXX using my credit reference. They hire XXXX company representatives and they do not speak English well and this type of credit card company should not exist.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-07-13
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: Advanced Resolution Services Inc. (CA)

I asked XXXX for a copy of my consumer report, and to place a security freeze on my accounts. Instead of them doing so, as the FCRA required, they pretended they could not verify my identity although they had all the necessary information to do so. They even admitted they have been sharing my personal private information with third parties as well. How they are doing this if they dont know me, hey, maybe they can explain ( See attached )
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been working with CapitalOne for around 3 years. I have a credit card from them. I decided to close my other bank account and started using CapitalOne checking account which I opened last year. I was never overdraft and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been going well since XXXX. I make around $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  Florida. I woke up on Monday to start my work day to find out that CapitalOne closed my account without any information or reason. I am a hard working woman with an XXXX degree. I don't do anything suspicious or scam anyone like so many companies do these days. I work hard and pay my taxes. So I couldn't understand why CapitalOne closed my account by freezing my funds suddenly. I am conservative so if they closed my account for my conservative opinions on social media, that is violation of my federal and state rights. I demand my money that they are keeping hostage. They violated my constitutional rights.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

What happened on XX/XX/XXXX i used a payment method called Cash App, i sold an item an Brand New XXXX  XXXX On XXXX XXXX XXXX and Tried to get payment, So to find out My Cash App Account was compromised by hackers and spoof email and fraud imposters of Cash App, so both my {$1200.00} which i made from phone and XXXX was stolen from me. 

So far ive Filed Complaint with the XXXX XXXX XXXX XXXX an Disputes Resolution Specialist said i didnt have a letter proving that i was scam, but i do have a written copy of spoof letter from imposters. 

I contacted My State Attorney General and filed an Complaint with her, i havent heard from her yet. 
Just today i filed an complaint with FTC ( Federal Trade Commission ). 

And im writing Cash App Pre-arbitration Policy about this matter. 

I want to fight this and get my {$1200.00} and all damages, stress, mental anquish and a compensation for all my stress and problems theyve caused me and my woman. 

Regards XXXX XXXX