davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (TX)

I made a purchase using my CashApp Card for XXXX on XX/XX/19 and the amount was {$190.00}. As soon as I placed the order with XXXX the order was cancelled immediately. I have spoken to the merchant in regards to the pending hold on my cashapp card but they have informed me that they have already released the funds back to my card. 

I have tried to contact CashApp about this and to have them release my funds back to me but they have been rude hanging up on me and they have refused and denied me to speaking with a manager. 

I have even emailed a manager from CashApp and offered to give them the auth code and transaction Number that shows that the funds were sent back and they refuse to look them up or even gather that information from me. 

I need help getting my money back since CashApp is refusing to help me.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted these credit reporting agencies multiple times to inform them of the multiple inaccuracies and the illegal reporting and furnishings of the information hours presenting but have not received satisfactory response or legal documentation are requested. Instead, they continue to deny my ride to dispute inaccurate, misleading and illegal information that it's already caused actual damages by sending a response of verified. Are we do not believe this is you? When asking for the description of the procedures used to verify the response is not compliant and unsatisfactory to the FCRA the CFPB the FTC. And even their own CDIA compliance standards.
Consumer complaint received 2024-03-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2021-12-14
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: EQUIFAX, INC. (CA)

I initiated a dispute with Equifax that was allegedly verified by Equifax. Upon receiving notice of the investigation, I requested the method used to verify the information according to the Fair Credit Reporting Act and have not received a response from Equifax whom is also continuing to publish the information in my consumer report. It has been more than XXXX business days since the request was received by Equifax and they are now in violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (CA)

This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection Practices Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

Cashapp is deducting money from my account ( hundreds of dollars ) blaming it on a glitch in their computer systems and will not return the money. Whats worse is that these transactions in question are missing from any sort of transaction records!!! I have tirelessly spoken to managers, supervisors ect where I am told they have no information for me and that the money taken out of my account are from XXXX XXXX months ago that their system mamde a mistake on! There is no record whatsoever of the money they swiped from my account. over XXXX $ Cash app is hiding transactions from people from what appears to be a terrible opperation. No one will help me, my electricity got cut off, my health insurance canceled becasue of a glitch in their system that they are holding their customers responsible for. I have documentation of me litterally begging for help for the last XXXX XXXX weeks. I am waiting on cashapp to send me a transcript of the support chat which shows them over 5 times telling me they had an error in their system and it caused this issue.
Consumer complaint received 2021-12-14
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. (AL)

XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX  XXXX card.
Consumer complaint received 2021-12-14
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. (PA)

I sent XXXX a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account from my report immediately.
Consumer complaint received 2017-11-09
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TX)

Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on XXXX XXXX.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (SC)

was on business Travel and XXXX XXXX violated the tcpa rules by calling me 4 to 5 times a day without direct Communication. 17 abandoned calls. LINE IS FOR BUSINESS USE ONLY. PROCEDING TO TAKE LEGAL ACTION
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (FL)

I received seervice at XXXX XXXX XXXX, after the invoice was genereated we agree to payments debted automatic from my account, after XXXXXXXX XXXX had passed a collection agency was taken my paymnets withouth any explanation ( Gobal Receivable Solutions Inc XXXX we concluded that a new agreement was settle to make payments of {$140.00} starting XXXX XXXX after XXXX XXXX they accepted know a new collection agency is trying to collect the money without any knowledge
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (VA)

Citibank called my father, whom I do not live with and disclosed personal information about my debt and being behind with my bills. The third party ( father ) was informed about how much I owe them. They leave robocall messages on my phone every day, and do not make themselves accessible for me to try to call back at an appropriate time that allows me to solve the issue.
Consumer complaint received 2021-07-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (CA)

Westlake financial is doing perjury fraud and embezzlement and consumer credit debts ACH deductible accounts getting paid without permission using someone's credit identity theft in laying on my credit report said i purchase. vehicles that I never even ran my credit for and then they're going after my dead deceased father estate repossessing cars that was already paid for under his credit lying about giving the consumers this XXXX XXXX back in a civil lawsuit someone needs to release the feds after them recommended auto insurance fraud as well as consumer fraud my credit score is XXXX now because they been doing it for 4 year now over my estate
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

I requested a transaction thru Cash App ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) However, I selected the wrong tag. It was intended for my niece XXXX XXXX ( XXXX XXXX XXXX ) but I sent it in error to XXXX XXXX ( XXXX XXXX ) my niece 's maiden name begins with an XXXX so that's why I thought it was the right one. And I didn't expect anyone else to have the tag of XXXX XXXXXXXX. the error was mine. However when I realized that my niece did not get the funds I tried t reverse the transaction and I called Cash App as soon as they opened. They advised me to send a refund request to the recipient and there was nothing else they could do. I sent the refund request and the recipient declined to refund the money. Cash App gives the recipient the option to say yes or no to refund the money which I feel is wrong. I don't understand why they couldn't have reversed the funds back out of the acct. I have contacted Cash App several times but they maintain that they are unable to help. I also contacted my bank and they explained that since my bank didn't send the money directly to the person there's not much they can do. However, they tried. My bank reversed the transaction so the funds were back in my account however, after contacting Cash App they advised that they would be removing the funds again from my account. I had just borrowed that money from XXXX XXXX to catch up on bills. Is it legal for someone to keep money sent to them in error?
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and XXXX XXXX due to the inquiries that were on my XXXX XXXX hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my health, worsened my anxiety, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the financial hardships. The abusive practices of elaborate mechanisms like Experian who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a continuous and constant struggle and nobody should have to go through the stress, anxiety, and worry of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$30000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$30000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Experian liable to providing me with monetary remedy for the misrepresentation, abuse, deceit, and damages done.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-14
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. (OH)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2019-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

I noticed a charge of {$240.00} that I did not recognize. I called Comerica and reported the fraud and they started an investigation. They called me back later and asked a few questions. They sent me a letter in the mail stating that these transactions were authorized by me. I called them to report it unauthorized!!! I have no history of reporting fraud and have been with this bank over ten years. I'm appalled that they will not protect me in this case.
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Monterey Financial Services LLC (FL)

I purchased a XXXX XXXX XXXX XXXX XXXX purchased from XXXX XXXX in XXXX XXXX XXXX on XXXX date of purchase ) I personally believe the sham starts there as they are the ones that push this company. I understand my credit is not the best and due to that fact XXXX m aware that my interest rate is higher and was told I can pay off early and lose the interest. My loan was initially taken from next step funding and some how I owe the money to monteray financial. There policies and collection protocol is ridiculous. And there customer service and support is non existent. I knew I was going to be paying at least double the sale price which already is border line loan sharing but once you twist up the terms and wording and honestly who reads that stuff. But as it turns out there is no paying off early cause Im actually renting the scooter and will pay a little more than triple the original sale price. But thats not my original gripe. I understand its my fault for not reading the fine print but as I looked online there are hundreds of people with same complaint. So there must be something we can do about this, I already threatened with a law suit and that was the only time I got any consideration. I originally stumbled onto this problem by accicident because XXXX weeks after I bought the scooter is broke down. And repeatedly broke down for about 2 months, I could not get any kind of service or help from XXXX XXXX and I was not going to continue to pay for a broken scooter. I tried next step funding and got no where and then started to get phone calls from XXXX XXXX about 5 Times a day and my fianc as well calling her at work and she isnt even involved, I told them my situation and was told they only gave me a loan and are not responsible for scooter Fair enough I though at the time so I figured I had to balttle with scooter store., I come to find out that I pay a rental fee to them so they are responsible I told them I want to keep my agreement as fraudulent as it is but am not paying fior the time scooter wasnt working I said I will pay for current month once you take old months off,, I guess they just wanted my money cause they agreed and I payed and next month it started all over again and every month since then. And now Im getting bad credit reports. I worked very hard on my credit the past 2 years to repair my childhood damage and Im at a loss here. Please help me
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

My name is XXXX XXXX and there is several fraud charges from Tagged on my cash app debit card I barely use from XXXX to XX/XX/2023, totaling 10k .Its my cash app I use for my businesses. After reviewing all my banks and transactions. Ive been a victim of identity theft and my personal info is on the dark web. I have filed a police report, ftc report and had to change cell phone providers and change my DL number due to this unfortunate events. Ive since had to close my cards and change phone carriers for two of my businesss due to fraudsters accessing my phone service account. Ive had several bank accounts hacked and this has been financial hardship on my businesses and personal affairs. 
I been reaching out to cash app annd tagged and filing fraud and dispute claims and they been denied saying based on the information they received the transactions are not refundable or fraud. When I ask for proof I dont hear anything from them. Ive submitted ftc and my local police fraud report and still no response I reached out to tagged and asked for proof to be sent to me of the fraudulent charges and I have not heard from them to remedy this issue I learned of it in XXXX. Im not sure what to do next. My XXXX account was affected too due to fraudulent charges from tagged merchant and I disputed with tagged for those transactions and they refunded me so why not the transactions on my cash app account. Since then Cash app has took my card without me knowing and I had to chat with two representatives who could not tell me why? Ive had to find another way for my clients to pay me and this all an inconvenience my business. Can you assist in anyway?
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CA)

I created an account with Gemini on XX/XX/XXXX. Once I transferred funds over to purchase crypto, Gemini randomly froze my account. I reached out to report this issue and they had me send over ID information. Afterwards, they went unresponsive for days. I emailed them again to ask about the process and they sent a generic email with no information or update about my account. They lack in customer service and have not share information as to why my account is frozen or how to receive the funds.
Consumer complaint received 2022-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (ME)

I applied for a personal loan on Upstart 's website on XX/XX/2022, after receiving several correspondence from the company, informing me that I was pre-approved. That same day I was preliminarily approved for the loan. On XX/XX/2022 Upstart 's Loan Operations sent me an email requesting my most recent bank statement. I uploaded a copy of the bank statement later that day. On XX/XX/2022 I received an email from The Upstart Team informing me that I was approved for the loan. I was instructed to log into my account to review and accept the final terms. On XX/XX/2022 I logged into my account and submitted the first form. I immediately received a message in my Upstart message box informing me the company was not able to offer the loan to me at this time. I immediately called the company and spoke with a woman named XXXX. When I asked XXXX why I was denied the loan, a day aftyer being told that I was approved, she informed me that they company found a " new loan '' from XXXX XXXX  XXXX XXXX ( " XXXX '' ) on my credit report. I advised XXXX that I obtained the loan from XXXX over a month before I received the loan invitation from Upstart. XXXX said the company can not approve my loan. I then spoke with XXXX 's supervisor, XXXX, and I reiterated what I told XXXX. XXXX put me on hold to check with a Credit Analyst. When XXXX returned to the line she told me that I did not disclose the XXXX XXXX XXXX I informed XXXX that I completed the Upstart application in full and the company checked my credit immediately afterwards. I did not apply for any new loans since applying for the XXXX XXXX XXXX  XXXX said Upstart did not notice the XXXX XXXX XXXX before sending me the loan invitation.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Zions Debt Holdings (FL)

have the whole converstation recorded threathned me said its my debt when told him no he said yes wont remove not even my signature or address and wont remove or send proof of debt then he said hes going to put me in XXXX