davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (CA)

Cash app card I opened up a minor child account with my cash app account I requested a money refund on behalf of my child 's cash app card for XXXX items not received from seller through website XXXX  cash app made a couple of cases to investigate they requested my evidence I gave them information requested then they denied it but I called and requested for case to reopen they did. nothing was happening so I asked XXXX for return of money they did refund and seller also refund but kept {$15.00} this took XXXX  months then cash app closed my child 's cash app card I called asked why we didn't do anything wrong but made a case for against seller taking my son 's money and not sending items cash app didn't give a reason said to go online cash app got upset because I kept calling them about refund request cash app customer service is out of the United States so they don't care about United States citizens they can care less if fraudulent activity happens if cash app can't handle these types of problems why are these types of apps allowed to exist in the United States keep customer service here in the United States to help its own citizens
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (SC)

I applied for new credit and was notified that Eastern Account Systems Inc is reporting a delinquent account to the credit bureaus. There are 2 accounts reporting for 2 different amounts. 
The first account is for XXXX XXXX account # XXXX with a reporting date of XX/XX/20 in the amount of {$230.00}. I have no idea what this account is for. I have never received equipment from a company that I haven't paid for or was supposed to return. 
The second account is for XXXX XXXX, account # XXXX with a reporting date of XX/XX/20 in the amount of {$290.00}. Again, I'm not aware of a service of any equipment I received from a company XXXX. 
I've sent a certified validation of debt letter that was returned to me yesterday. I've tried reaching out to the company via telephone to no avail. I would like this debt validated with the original contract from the company that is claiming that I owe the debt. Eastern Account Systems will state that they work for the company and that they have not purchased this debt. I would like proof of a contract between Eastern Account Systems Inc and the creditor claiming that I owe this debt, showing that 1, they are allowed to collect a debt in the state in which I reside, and 2. this debt has not been sold by the creditor and purchased by Eastern Account Systems Inc . I do not owe this debt.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (GA)

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 2022-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

FHA Mortgage secured by my primary residence and my Servicer was XXXX XXXX. In XXXX of XXXX, due to COVID I had entered into a forbearance agreement with XXXX XXXX. 

Upon the expiration of the Mortgage Moratorium, I had been approved for a Loan Modification with Freedom Mortgage on XX/XX/XXXX. 

This loan modification was on file with XXXX XXXX, notarized, signed by all parties by XX/XX/XXXX. 

The first payment of the loan modification was due on XX/XX/XXXX. 
I made the first payment as agreed for {$2400.00} Within 30 days, in XXXX of XXXX I was transferred to Mr. Cooper. 
The stated they never received the loan mod docs from XXXX XXXX. 
( **Which was later revealed they were received by Mr. Cooper by another Agent** ) They are NOT honoring the LOAN MODIFICATION from my original servicer. 
They have started foreclosure process- HELP!!! 
I am a Licensed Mortgage Loan Officer in 5 states - I believe I have been a victim of a multiple violations of XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX Account # Experian XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IL)

All paid delivery payments were updated a month later and/or charged twice. 

XX/XX/23 ( Delivery XX/XX/23 ) {$12.00} XXXX ( XX/XX/23 ) Went from {$11.00} to {$20.00} XX/XX/23 ( XX/XX/23 ) On XXXX charged {$67.00} to {$72.00} I contacted XXXX and Cash App and no resolution was received.
Consumer complaint received 2022-03-18
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. (NY)

CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX account # XXXXXXXX XXXX  XXXX  account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

On XX/XX/XXXX XXXX seen suspicious activity on cash.app account try contacting was closed Sunday XX/XX/XXXX spoke to representative explaining situation was told account on hold and under investigation and no transaction could be made on XX/XX/XXXX a family member sent XXXX $ to account and money was excepted and withdrew cash.app is aware that whoever received money did so under there email phone number but my cash.app tag and through my account
Consumer complaint received 2022-03-18
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: Nelnet, Inc. (FL)

I have provided Nelnet with several requests to exercise my right under the Gramm-Leach-Bliley Act to no longer share any of my non personal financial information to XXXX XXXX XXXX and has given them clear and conspicuous understanding as to what information I would no longer like to be shared. Nelnet has had not taken my matter seriously as I have disputed these accounts on numerous occasions and Nelnets responds asking for the same information I have already provided them that includes my student loan account information, reasons for dispute. I have mailed in a written requests as well as sent countless emails to their enrollment processing department in which they respond asking for the same information I have already provided. I have all the email transcripts as well as the mailed in documents for proof of my opt out request. I
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC (FL)

This company keeps repeatdly trying to contact me and I am not aware of who they are or any financial relationship I have with them. I asked them to stop calling me and cease all reporting activity as I am disputing this debt. I have sent the a certified letter but I have yet to recieve a response, but they continue to report negative false information that is hurting my credit report. Please help me, thank you.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MO)

There funds wired transfer from my bank to Gemini Trust Company , LLC. total is {XXXX  during XX/XX/XXXX to the end of XX/XX/2021. 

and there are transactions from my Gemini Trust Company , LLC account to third party 5 digital wallets. 

These 5 digital wallets belong to scam cryptocurrency platforms/organizations/organized crimes/criminals. 



The know your customer or know your client guidelines in financial services require that professionals make an effort to verify the identity, suitability, and risks involved with maintaining a business relationship. The procedures fit within the broader scope of a bank 's anti-money laundering policy. 

Gemini trust company LLC are responsible for safe transactions. I, as a consumer, did not receive the service or promise that was promised or described by Gemini trust company , LLC.

I have tried to contract Gemini Trust company LLC to dispute these transactions but was ignored and not offered any assistance and my account is frozen.

However, I have report to the following Law Enforcement agencies : XXXX XXXXXXXX police department, report # XXXX XXXX Federal Commission Report # XXXX And FBI IC3 and will report to New York State department of financial services Again I am requesting to refund my fund, Thank you XXXX XXXX
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC (CA)

Curacao issued credit in the amount of just over {$1000.00} to an individual using my social security number. The name and the address did not match mine, and a credit history was never run on my credit. The debt was not payed and I did not learn about the credit issued until a judgement of a charge off was entered on my credit report. When I contacted the company, the fraud analyst, XXXX XXXX, asked me to complete a fraud affidavit, notarized, which I did. She asked me to send a copy of my driver 's license and utility bills, which I told her I would show her in person, but not provide a copy of. She declined citing " covid '' concerns, even though we are in XXXX of 2022 and mask mandates have been lifted in XXXX XXXX, and her store front is open to the public. 
This company is issuing credit without running social security numbers to check for a credit freeze, which my credit has. This is irresponsible. I would like my credit report to be notified that this was an error on their part and is not my responsibility.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

XXXX XXXX XXXX  XXXX, federal student loan were closed in XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

Ally auto loan Acct. was held under spouses bankruptcy XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

To whom it may concern : I opened a checking and savings account package with Citibank in XX/XX/XXXX of this year, under a promotion. The promotion offered promised a {$400.00} bonus upon opening this package and depositing {$15000.00} within 30 days of opening the account and maintaining the balance for 60 days. 

I called on XX/XX/XXXX and asked how I could make this required deposit. I was told that an ATM card had been mailed out when I opened my account, and it would arrive shortly, and I could make a deposit at any citi atm once I receive it. While I was on the phone, I inquired about the promotion, and was told that it's linked to my account, and that as long as I made the deposit within the required timeframe, I'd receive the bonus. 

Two weeks later, I still hadn't received the ATM card. I called citi customer service again, and was told that they are unable to send out debit cards within the first thirty days of account opening. When I told the agent about the promotion, I was advised to mail in my deposit. I was concerned that the deposit wouldn't be processed until after the cutoff date for the promotion, and shared this concern with the agent. She responded that as long as the deposit was postmarked by the required date, they'd honor the promotion. Then i told the her that I didn't have the savings account number ( I had the checking account number from the deposit slips they sent me. ) She said I could mail in two checks with the deposit slip for checking, and include a note instructing the teller to deposit one check to checking and one to the corresponding saving account. 

I sent the deposit the same day, with a note to deposit {$15000.00} into checking and {$150.00} into the attached savings account, as instructed by the agent. The deposit wasnt processed until XX/XX/2018, and the full amount was deposited into checking. 

I called again, and they said they would send a debit card, and I should make the deposit to savings within 45 days of account opening and would receive the bonus. ( Also he said there is no such rule about sending debit cards in the first 30 days of opening an account. ) I got the debit card a few days later, but no pin, which I would need to make the deposit. I called again, and they overnighted me a pin number, again confirming that I could still get the bonus. 

On XX/XX/XXXX, I got the pin number. I immediately made the deposit to savings. I chatted with customer service on XX/XX/XXXX, and once again they confirmed I was eligible for the bonus - as long as I maintained the balance for 60 days. 

In XX/XX/XXXX, I got an email from citi that they wouldn't honor the promotion because the deposit wasnt made on time. I chatted with customer service again and was basically told there is nothing she can do ; it's a different department that decides promotions And they dont speak to customers.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Transaction issue — 
Company: NAVY FEDERAL CREDIT UNION (MA)

Charged XXXX by XXXX XXXX XXXX company to my Navy Federal Credit card for a transaction that was already paid for by my insurance company. I have opened disputes with Navy Federal and have to hear back/have the disputes resolved after providing documentation proving that these charges have been paid by an insurance company already. Navy Federal is not processing the disputes in a timely manner.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I disputed the account with XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX notifying them that the account they were reporting was questionable due to the inaccurate information that was being reported. It later showed on my updated credit report comments that I had not satisfied debt which is not factual. I then attempted to contact the company directly on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) to notify them via certified mail that the account they were reporting on my file was inaccurate and outdated and for them to give me the process by which they verified this debt. I have not received a response from them nor have they removed the account from my credit file which is gravely impacting my credit standing.
Consumer complaint received 2022-03-18
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: GOLDMAN SACHS BANK USA (AZ)

On XXXX I checked into the XXXX XXXX XXXX in XXXX for a business related trip. Despite there being two cards on file from my company, they asked to charge a hold on my personal card. Later on, my company told me they should absolutely not be doing this. I informed the hotel front desk to remove this charge I was told it should be in 24 hours. It still was not, I was then told after I checked out on XX/XX/XXXX, its going on 4 days after ( XX/XX/XXXX ) I checked out and still no resolution. I contacted on XX/XX/XXXX my credit card company, Apple Card/ Goldman Sachs Bank for assistance XXXX they kept bouncing me back to XXXX XXXX 

I spoke to the general manager at the XXXX XXXX on XX/XX/XXXX who confirmed the hold should be released and provided me with a document for Goldman Sachs bank to confirm this should be removed.

Goldman Sachs bank and their managers did not seem interested in the note from the hotel, nor helping me resolve this issue as of XX/XX/XXXX. My money is at this point being held hostage by two companies and I see no end in sight to get it back. I am asking for the help of the CFBP to fix this issue but also to investigate these suspicious dispute processes and customer service support offered by Goldman Sachs Bank/ Apple Card XXXX Feel free to contact me for more information. 

INVOLVED COMPANIES : XXXX XXXX Goldman Sachs Bank USA/ Apple Card
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...
Consumer complaint received 2017-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Two  men who claim to work fo r Midland Credit Management have harassed me and anyone associated to me for the past month. Calling at obscene hours in th e day, several times a day from different numbers and the most  recent two  numbers are  XXXX  and  XXXX . These men threatened my safety to me and my family members, they also threatened to defame my credit report for an erroneous debt they claim I owe if me o r one of my  family members did n't make a lump sum payment over the phone immediately. They would n't give us an address for their company and said we could n't mail a letter of cease and desist to them. They stated that they also could not send so called debt back to the originator. They even said they ca n't send any information about the debt until a payment was made.