davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchased the lease buyout of my vehicle from Acura on XX/XX/XXXX and requested an expedited title release. Acura requested proof of funds transfer to expedite the title release ( delivery within 3-5 business days ). The proof of funds was emailed to Acura financial services on XX/XX/XXXX and the representative stated I would have the title within the week. 

Below are the follow-up times I have called Acura and requested a status and a call back from a supervisor and my requests have been ignored. 

XX/XX/XXXX ( requested title to be fedexed ) XX/XX/XXXX ( requested title to be fedexed and supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX representatives confirmed the supervisor has not acted upon the case ( requested immediate supervisor call back ) Despite the repeated calls, no supervisor or title department has taken any action to process my title.
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

PayPal is fraudulently locking me out of my own account. When I tried to log in, the bogus phone verification page pops up and it does not work at all. Seems to me, they do this in order to lock people out of their account so hopefully they can keep the money in the account.
Consumer complaint received 2022-01-15
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. (MD)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-26
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: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX had a so-called processor call and text my sister stating that if they don't hear from me a process server will be dispatched out for service at home and place of employment. They then called me but number said scam likely. They called again and stated that I owe a debt from 2001 and they are filing a judgement against me in my home county and they would be suing and taking my property, put a lien on my vehicle and other adverse action. I asked to not be contacted and to be provided via mail with this information. They continue to call and threaten and provide info/threaten action to family members and recei
Consumer complaint received 2023-08-07
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. (NC)

I filed so many dispute with this company ( CASH APP ) but they all got denied thank you to this complaint I was able to recover some of my money back but there two more transactions that I was not authorized by me! Equaling to {$32.00} and {$14.00} all by XXXX My cash app is XXXX XXXX XXXX XXXX XXXX ) please help me send this complaint to cash app for their terrible customer service. 


XX/XX/2023 lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use one of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXXXXXX XXXX  ) then it powered off 20 min later couldnt track it so I filed a police report and now its been days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (GA)

Account has been paid in full. Optimum Outcomes forwarded my file to a law firm- XXXX , XXXX XXXX XXXX . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account was charged off. on or before XX/XX/XXXXarranged payment plan to pay down balance without accruing any further interest, beginning on XXXX. In an effort to audit my progress I requested a balance history from Capital One regarding this payment plan. They only allow debt-holders to see how much the payment was and what the current balance IS- that is to say there is no way to look back a the balance at any point in history. 

Capital One is withholding balance information from me, the consumer. 

Image attached below shows scheduled and successful payments, but no balance is given.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CULLEN/FROST BANKERS, INC. (TX)

Frost Bank is reporting 2 charged off bank account balances on my credit report as if they were loans and they have reported each account as Unpaid for over 35 months, which is significantly effecting my credit score. Additionally, both of these accounts were BUSINESS accounts, which should not be reported on my personal credit report, period. Further, both of these balances were paid off in full upon closure of both accounts. This has affected my ability to close on our new home and I need this removed IMMEDIATELY!
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I mailed my Capitol one check, for XXXX dollars to XXXX XXXX services for payment on my XXXX XXXX, someone, somehow got my check and endorsed the back of check XXXX, and deposited in there personal account,, I became aware of this fraud on XXXX,, I immediately went to my bank ( Capitol one ) on XXXX XXXX, XXXX, New York, I was advised by the teller to call Capitol one and report this. 
On XXXX I called Capitol one and spoke to XXXX who told me a folder will be opened and someone from Capitol one fraud dept will contact me. 
Having not heard from bank by XXXX, I called Capitol one again and spoke to XXXX, who transferred me to XXXX from security, who told me its still a ongoing investigation. 
On XXXX I again called Capitol one and spoke to XXXX who told me she will put a note in my file and a representative from Capitol one will contact me. 
On XXXX I contacted Capitol one again and spoke to XXXX, who stated that Capitol one has requested, from other bank, that the said funds, XXXX, be returned As of today XXXX, I have not received any of my money back, I have never been contacted by anyone from Capitol one, not a text, not a email, not a phone call,, and Capitol one does have all my information .as stated before, as soon as I found out about this crime, I notified my bank and followed exactly what they told me to do, I would appreciate any help you might render in assisting me with getting what is rightfully mine, since Capitol one have been useless this far!
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is reporting a late on my credit file for the year of 2020. Due to Covid and the unforseen events surrounding the entire pandemic I suffered financially. In the beginning when it first started my job ended up cutting business hours and that ultimately affected me. The entire year was just an absolute mess regarding my finances but I did my very best to make sure I was paying my dues. I do realize that I was late but I am asking America First Credit Union to please make a one time goodwill adjustment for the 2020 late notations. It was a very difficult time and I wish it could have been avoided. This would be of great help to me as I am not getting back on my feet
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IL)

I called customer service and the woman said I would receive an email that day stating Freedom Mortgage is NOT increasing my mortgage payment to cover anything other than my home taxes. It's been over a week and I have yet to receive this email. 

Once again Freedome mortgage is stating I owe them a flat payment of {$3200.00} and my mortgage will still going up over {$100.00} each month. There's is no chance my taxes are going up almost {$4500.00}. Last year they tried to force me into using their insurance company - even though I was fully covered. After multiple attempts, they still hade n't solved the issue and I needed to report them. 

As stated last year. I'm extremely concerned about this company being able to purchase mortgages such as mine. I've been a home owner since XXXX and have had my mortgage sold many, many times. I've not reported one. This is the first company that I am very fearful is unethically taking money from innocent people that have not chosen to to business with them and are locked in.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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. 

The letters are stated with items and issues. 

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 2021-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I was given these fraudulent accounts by my cryptocurrency exchange app to deposit my transfers. Once all these transactions completed, I try to withdraw from my account it was frozen. Now the app is disable. I have contacted XXXX XXXX international police to file a report against these fraudster 's account. They are using these account for money luring. Please advise HSBC regarding these incidents and demand for retrieve or re-call on my behalf that I have made several attempt through XXXX. 
1. XX/XX/2021 XXXX XXXX and XXXX XXXX  XXXX limited {$1000.00} UDS 2. XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX $ XXXX 3. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) {$100000.00} UDS 4. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX {$60000.00} UDS 5. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$20000.00} UDS 6. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$50000.00} UDS 7. XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} UDS
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I made a payment of {$45.00} XX/XX/2023 on cash ap which I believe was a scam. After I made the payment the person stopped responding, so I contacted cash app support through the app and by phone and no one is assisting me
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX options which involved me making deposits for a total amount of XXXX XXXX ( around XXXX USD ) from my CashApp account to fraudulent investment firm ( s ).
Consumer complaint received 2023-08-10
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. (AL)

on XX/XX/2023 my cash app account was closed and XXXX was transfered from my account and i can't get my money back, and i never recieved my money.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc (AZ)

I was a customer of XXXX for about 8 years, I moved and cancelled my service on XX/XX/XXXX directly with XXXX, they said they would send something to send back the modem, however I never received any package or envelope. I still have modem. I paid the final bill in XX/XX/XXXX, but now XXXX XXXX XXXX XXXX   Collectors are repeatedly calling multiple times per day at my place of employment trying to collect {$480.00} that they claim I owe XXXX. I tried calling XXXX but didn't get a call back from their executive office, I left a voicemail and also had a XXXX representative who took the information down and said someone would call me. I wrote them a letter with no response. I have asked the collection company to stop calling that I don't owe the debt and one woman threatened that she would see me in court then. But they keep calling. the collectors are rude, abusive and forceful, they don't listen that I don't owe this debt, and they call too late and too early in the a.m. they have called at my employer as well asking for me. The collectors refuse to give their names. they give the name of the agency but not their names.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (SC)

I have received emails and phone calls regarding unauthorized accounts. XXXX contacted me for a payment on an account I have never opened. I processed a claim with them, and they investigated and saw that my identity has been used. I check my credit report after that and noticed some inquires that I did not authorize.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Essential Lending Inc (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Hello, In late XX/XX/2021 our credit card ( joint account with my husband ) was closed in error. Please see the attached letter we received from BECU. We were told via telephone by a BECU representative this was due to an unknown error on their part. We were assured that this error would not cause any damage to our credit and would be resolved immediately. Unfortunately, this is not the case. Our credit scores dropped significantly by this costly mistake and even though we have disputed this account closure with the credit reporting agencies it has not helped. We'd like to know what BECU can do to rectify this situation. I appreciate your assistance in this matter and look forward to hearing from you soon. 
Thanks
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Possible Financial Inc (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Self Financial Inc. (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-10-03
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. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THIS DEROGATORY ACCOUNT HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THIS INACCURATELY PLACED ACCOUNT OFF MY CREDIT FILE.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Neither of the 3 Agencies websites, or phone options are available to the consumer for freezing a credit file. 

A notification should be sent to all of the individuals compromised. 

The entity that failed to protect the confidential information needs to be held responsible for damages, and in initiating the freeze with the other agencies.
Consumer complaint received 2018-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (CA)

I opened a line of credit on XX/XX/XXXX and was approved for a XXXX credit limit. On XX/XX/XXXX I called to see why i could no longer see my account online. I was advised by ( Superviser XXXX XXXX " who refused to provide me her last name '' ) that the account was closed due to a 3rd party informing XXXX  i had filed bankruptcy. I informed XXXX that my Bankruptcy was discharged about year ago and i had apply for this account after filing BK. XXXX then informed me its in there policy and theirs nothing they can do it about contact corp if i dont agree. ( she was very rude BTW and was not hopefully. ). I asked where in the terms and condition does it state that? IN the terms and condition it just states that my loan will become default if i BECOME the subject of bankruptcy, which i have not became a subject of bankruptcy since applying for the account. I could understand if i applied and was denied but i was approved. SO why approve me and then close my account a day later. Wouldn't i have just been denied when first applying if they dont allow account holders who have previous filed BK?
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (PA)

On XX/XX/2023 I transfer {$300.00} from XXXX to cash app at XXXX. At XXXX Cash App did 4 different transactions of {$65.00} was the first one and {$210.00} was the second, {$8.00} was transaction # 3 and {$7.00}. All these transaction where completed and processed on earlier dates in which i do have proof. I contact Cash App and ask why did they take my money they said there was a system error. I then ask how come i was never notified, that's when today they sent me a notifications. My card was lock when the company Cash App took my money, they left me with {$20.00} on my card. I had been on the phone from the moment i happen XXXX to XXXX and they refuse to give me my money back.