davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (HI)

XXXX account : XXXX XXXX ( Account closed ) XX/XX/2023 Contacted seller to purchase XXXX XXXX  XXXX XXXX for {$90.00}. Seller gave address of meetup point : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX When I was going to arrive late, seller stated he gave it to his brother, and provided what I believe to be his home address : XXXX XXXX XXXX XXXX, XXXX XXXX However, met at original location of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Seller described item as legitimate XXXX XXXX XXXX  XXXX XXXX, and gotten for his birthday but did not like. Tested condition but did not realize and seller did not disclose that the XXXX were fake/XXXX If so, woud not have purchased. Requested to meet up to return items after verifying with XXXX XXXX  that the airpods were indeed fake, and contacted seller via XXXX on Sat, XXXX XXXX and account was closed after my message. Contacted Cash app ( XXXX ) for refund, but told by " XXXX ' that Cash app could not help with refund and the seller was not responding. Seller 's XXXX XXXX  : XXXX  XXXX Contacted my XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX  ) debit card ( XXXX ), and they requested that I fill out a police report, and have provided me with dispute case of : XXXX. Believe the seller has done this bait/switch sale tactic and believe he is currently selling under XXXX name : XXXX XXXX selling two items : XXXX XXXX XXXX  XXXX Airpods XXXX XXXX XXXX Thank you. 

Thank You, XXXX Police Department
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IN)

Sent the money to Transworld Systems Inc. collector and they failed to send to XXXX to pay a debt. I have reached out to them and sent them information along with the money order that I sent to pay the debt for my grandson XXXX XXXX. Also I have copy from my XXXX XXXX XXXX showing that they cashed the check, and put into their business account.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (HI)

Contact his XXXX XXXX, seller. 
XXXX XXXX Agreed to pay {$40.00} for the XXXX system, accessories and games and {$10.00} for shipping for a total of {$50.00} via cash app. 

XXXX XXXX XXXX  XXXX Paid him, and then he agreed to ship but never produced a receipt or a tracking number and then blocked me online and no longer response to messages on XXXX messenger. 

HIs XXXX XXXX  ID is : $ XXXX I have reported a scam on XXXX XXXX. 
I have requested a refund cash app and the process will take 14 days to get back to me but not necessarily to refund the money as they will need XXXX to initiate the refund but hes no longer responding. 

Additionally, there is a second individual involved too when I couldnt initially make the cash app payment, that XXXX said, was his son-in-law, that persons contact information is : XXXX XXXX Phone number : XXXX ( XXXX ) XXXX His XXXX id is his phone number : XXXX ( XXXX ) XXXX HIs XXXX XXXX XXXX account number ends in : XXXX
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (OH)

I had a hotel refund my deposit. The hotel said it wouldnt post to my account and it did. They gave me a receipt showing it was refunded. Cashapp said they needed the receipt that showed store, date, logo, refund and show a XXXX balance. 

Ita shows all that and cashapp wont refund me.
Consumer complaint received 2019-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

Re : Notice for Proof of Claim Account : COMMONWEATH FINANCIAL SYSTEM D45736 XXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or  agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2017-11-10
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: Commonwealth Financial Systems, Inc. (FL)

In XX/XX/XXXX ( see attached letter ), I sent Commonwealth Financial a certified, with return receipt letter requesting that they provide competent evidence to substantiate any legal obligation I had to pay them. They did not provide any validation to justify the erroneous, inaccurate, unverifiable entry they are reflecting on my credit reports. I then attempted to contact them again ( see attached letter dated XX/XX/XXXX ). I again recapitulated the letter I had previously sent them in XX/XX/XXXX. In this letter, I requested that they provide me HIPPA authorization, payment agreements, proof that they have the authority to collect this alleged debt and proof there is some contractual obligation which is binding me to the alleged debt. 

To date, they have not provided me with any information nor signed documentation, a clear accounting of the alleged charges as well as history of payments. This company is violating various statutes and laws in particular FCRA, FDCPA, FACTA, and FCBA. It is obvious and apparent to me that this information is incorrect and they do not have any evidence to substantiate their reporting. This entry must be deleted from my credit profile.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is XXXX of CERTIFICATED XXXX  PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and XXXX XXXX data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its XXXX XXXX TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite XXXX character XXXX statements and all of its trailing segments, the minimal XXXX portioned identifiers all XXXX pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CO)

XXXX sold my mortgage to Caliber right when we were almost done with it. my home was set for auction XXXX XXXX caliber took it over XXXX XXXX XXXX had requested a postponement but it did n't go thru before the change, no one at caliber could help me, since i was n't in their system yet. I was in a state of sheer panic. i was going to lose my home because i was n't in the system???? I called everyone, i talked to supervisors, managers at caliber to no avail. i finally called XXXX who had done everything right for me. i finally got the foreclosure attorneys contact from XXXX. i called them, they had chases request but since caliber now held it they needed it from them. i begged, pleaded and threatened a law suit. nothing. the friday before the sale i did n't know if i was losing my home or what was happening. i had been contacting Caliber daily, same results, nothing. in desperation i called the foreclosure attorneys again. the girl i had spoken with preciously had put a postponement request in new date XXXX XXXX, XXXX XXXX weeks from today. Finally on XXXX XXXX Caliber had my information. I spoke with a lady explained for the XXXX time my situation. she walked me thru to where the loan modification papers were on their website they needed to have them within XXXX days of the sale. Wednesday, XXXX XXXX 2015 I emailed the documents, I requested they request a postponement so we could take care of this, and I requested receipt of documents, not surprisingly, i received nothing. i had explained that i am currently without a phone and need email communication. On Friday XXXX XXXX I again requested affirmation of receipt of documents, again nothing. This week I have sent thru their website XXXX times for help. I have heard nothing and my home is set for sale in XXXX weeks. I am XXXX and not in great health and my husband is XXXX from a XXXX. My grandkids also love here with me. i ca n't pack everything up and find out it was for naught ( much less the confusion to my husband and grandkids ) at this point I have no idea what to do. HELP ME PLEASE PLEASE right now i can only be contacted via email, but my phone should be back on soon that number is XXXX
Consumer complaint received 2022-05-25
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: CAINE & WEINER COMPANY, INC. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-11
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. (FL)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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
Consumer complaint received 2022-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

On XX/XX/2022, I initiated contact to PHEAA to pay a past due bill. The representative on the phone continued to ask me repetitive questions that their automated system already asked me. The representative continued to prolong the conversation claiming that they have to ask these questions over and over again but failed to explain why they are forced to continually delay processing because of the questions to be asked repetitively. 

The representative continued to become evasive with my line of questioning and came across as sarcastic throughout the entire phone conversation. The representative then threatened to report the account to an outside agency or the Credit Bureaus if I didn't pay the late fees which I informed the representative that PHEAA would need to send me where the late fees are going and an explanation as to why and where they came to the amounts that were added. 

The representative seemed lazy throughout the entire process claiming that she was going to get the information, would put me on hold for 5 minutes or so, then come back and claim she couldn't find any information. 

Again, PHEAA should not be making light of the fact that they believe their representatives are not doing anything wrong. This scenario is a pure example of somebody who is really not qualified to be dealing with the public. This is exactly why I've given a law firm a copy of the Letter from PHEAA 's lawyers and various responses to these CFPB complaints. Interestingly, it appears PHEAA has been sued in the past for Unfair Credit Reporting practices and ultimately settled because the courts realized what corruption was taking place.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

I am opening this complaint against Block Inc. They replied to the last complaint stating that they could not identify me as the account holder and that they could not disclose any information. For me to reach out to them via the Cash App support. They know that Cash App Support will not assist and that those employees dont have the tools to assist and resolve my claim. Furthermore ; I do not feel comfortable communicating with Cash App without there being some sort of documented reference with a government entity that can track what Block Inc, Cash App is taking me through. 

Block Inc stated in their response that they could not identify me as the account holder. I can clear that up right here and now so that that excuse cant be used any longer and so that they cant keep procrastinating because theyve stolen my money. I have also provided every email directly from XXXX explaining that the funds had been refunded on XX/XX/2023 in the amount of {$460.00} yet Cash App has failed to add those refunded amounts from XXXX back to my balance. 

Thanks, XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Email : XXXX Old email address : XXXX Cash Tag : XXXX XXXXXXXX Attached : Drivers License Bank Statement for linked back attached to cash app account. 

Photos of my account details. 

Original Complaint Emails from the merchant XXXX
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (GA)

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America opened an Advatage SafeBalancXXXX Banking Account with confirmation number XXXX at XXXX XXXX  XXXX Application approved XXXX XXXX  XXXX Phone was changed to XXXX and email updated. 

This account was opened fraudulently. Spoke with representative for Bank of America XXXX XXXX  and was reported systems were updated and unable to assist. 

Currently while filing this report I am on hold for approximately 20 minutes to attempt to close account.
Consumer complaint received 2017-11-10
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)

I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA XXXX ( a ) ( XXXX ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The XXXX Bankruptcy XXXX DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed XXXX written complaints against the credit bureau and the results of the investigation has been that the item and description is XXXX and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is XXXX different results. The credit bureaus refuse to remove from my credit profile.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (MD)

My husband applied for a loan with rocket mortgage, Without my knowledge or authorization, Rocket Mortgage did a hard inquiry on me. I never spoke with anyone at rocket mortgage. When I received a email stating a hard mortgage inquiry. I called the mortgage company asking them to remove it because I did not talk with anyone about a loan or authorize the pull. They refused, saying my husband has the right to do so. My husband is not on my deed or my loan. Further more rocket mortgage discussed my loan with my husband. 

Please advise
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (TN)

I am trying to cancel ACH from my account from this company. I dont want them to auto debit my checking account for membership fees or loan payments. They will not cancel the ACH saying that I must payoff the loan before the membership ACH can be stopped.