davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2018 I spoken with a representative in correlation to the amount due at the time before repossession, i offered to make a payment amount that i was willing to pay, the representative from Capital One weren't able to lower the amount and i force to pay the required amount. If not the car would be repossessed. As a working consumer going to work it takes me 1hr from my resident. Also having health concerns and doctors appointment it would've been fair to work with me but Capital One decline. Now i have a outstanding without a car that i can not financially pay for.
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Security Credit Services, LLC (LA)

Pursuant to Fair Debt Collection Practices Act 15 United States Code 1692. I reached out asking for a original contract that I signed with them and they stated that their client gave them my information they have called me over and over again multiple times a day I have had to block them. {$2200.00} for a company named XXXX XXXX.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KS)

XX/XX/XXXX there was a refund sent to my cash app card by XXXX XXXX XXXX. {$3000.00} was refunded to my cash app by dealership. Cash app claims the dealership has the money. 
Dealership Claims CashApp has the money.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

XX/XX/XXXXXXXX  I was investigating an XXXX video charge on my XXXX XXXX account. I XXXX  the phone number for XXXX on the internet. When I called, I was transferred to what I thought was XXXX  fraudulent department. The perpetrator was cunning and forceful making me believe there were pending charges on my account, and they had been trying to reach me. He had me download software on my phone and told me I shouldnt use my computer because of fraud attempts on my account. Unbeknownst to me, it was software that he was able to see everything I was doing on my phone. He then had me transfer {$3200.00} to a family member in my CashApp  account, then told me to request that they send it back to me. I did as he requested. He transferred the money that was sent back to my Cashapp  account to his account. 
When I realized something was wrong, I notified my bank to freeze my account. By than the perpetrator tried unsuccessfully to withdraw money directly from my bank account via XXXX. 

My identity was compromised ( social security, address, name ). 

Cashapp  provided the perpetrators bank, time of transaction, and amount, and last 4 digits of account number after many chats. They suggested I do research. I did the research by contacting the bank with all the necessary information for them to identify the perpetrator. The perpetrators bank was very cooperative. They took all of the necessary steps regarding fraud intervention. They froze the perpetrators account and said they will refund the money into my Cashapp account. They need a letter of indemnity from Cashapp to refund my money.

I dont have the perpetrators information because of privacy.

I have written Cashapp numerous times via their chat system and they send me the same automated response that my claim is denied because of Cash Out status. Cashapp is not responding to my request to escalate my claim to the fraudulent or legal department, regarding the requirements from the perpetrators bank, to have my money returned to me. 

On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX Cashapp  provided information of transaction to perpetrators bank account. 
On XXXX spoke to perpetrators bank regarding claim. 
On XXXX spoke to perpetrators bank regarding letter of indemnity. 
On XXXX notified Cashapp regarding requirement of indemnity letter. 

Thank you.
Consumer complaint received 2024-02-27
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. (KY)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account XXXX Account Name : XXXX CARD : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX FCU : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX : Account XXXX 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 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (GA)

My phone and wallet were stolen on XXXX XXXXXXXX XXXX XXXX. They were able to get into my phone and change PIN codes and passwords. All transactions occurred on XX/XX/20. They charged the following : Credit card XXXX XXXX  XXXX : {$200.00} to XXXX {$160.00} to XXXX {$190.00} to XXXX XXXX {$150.00} to XXXX XXXX {$69.00} XXXX XXXXXXXX XXXX {$88.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX {$200.00} to XXXX XXXX {$500.00} to XXXX XXXX {$530.00} to XXXX XXXX {$600.00} to XXXX XXXX {$900.00} to XXXX XXXX {$200.00} to XXXX XXXX  {$700.00} to XXXX XXXX {$500.00} to XXXXXXXX XXXX XXXX XXXX : {$45.00} at XXXX XXXX {$250.00} to XXXX XXXXXXXX {$300.00} to $ XXXX {$150.00} to XXXX XXXXXXXX {$200.00} to $ XXXX {$280.00} to XXXX XXXXXXXX {$900.00} to XXXX  XXXX {$200.00} to XXXX XXXXXXXX {$250.00} to $ XXXX {$250.00} to XXXX XXXXXXXX {$200.00} to $ XXXX XXXX XXXX : {$500.00} XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NE)

" There is need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This is listed in the Fair Credit Reporting Act 15 USC 1681 section 602. I have the right as a Consumer to make sure my privacy isn't being violated by being shared by such consumer reporting agencies such as XXXX, XXXX, and XXXX. 15 USC 6801 states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' None of the consumer reporting agencies, financial institutions, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, nor Synchrony Financial have my consent to furnish this information. They also never had my written consent. Whether it be verbal, non-verbal, written, or implied in any other fashion any and all consent is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX  XXXX, Synchrony Financial never informed me of my right to exercise my nondisclosure option. It is also stated in 15 USC 1681C ( a ) ( b ) that " Except as authorized under subsection ( b ), 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 the records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' states in 15 USC 1681e. XXXX, XXXX, nor XXXX are maintaining reasonable procedures. As a Consumer I have the right to opt out at any given time according to 12 CFR 1016.7, and have decided to opt out of their reporting services.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

Please be advised at the XXXX XXXX XXXX in XXXX, VA there something terribly intrinsically wrong with customer care service. I ordered a XXXX XXXX XXXX XXXX by salesperson on XX/XX/XXXX ; he informed that they had the order. I inquired about delivery period and he said only two -3 days. He again said to me to expect the delivery by XX/XX/XXXX. I took off work and missed an evening meeting waiting on the delivery, but they never showed up. I called the Customer care talked to XXXX and XXXX, and she told me the delivery is scheduled they would call me. Salesperson kept promising delivery dates, I still did not have my mattress after XXXX told that they would deliver on FRIDAY>SATURDAY>MONDAY. Finally, the Mattress was delivered XX/XX/XXXX, Friday, but when I slept on it, it was so uncomfortable, it felt like a firm mattress, versus the plush ; they delivered the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called the store to inform them of my restless night because it was too firm, and they told me that I have to sleep on it for 30 days to obtain the plush feel ; then to send them a picture of the mattress. On XX/XX/XXXX, I sent a picture of the label on the mattress with the model # ; even though the model # did not match my sales receipt, they still did not admit a mistake in mattress. I told them this is fraud! I want you to come pick up the mattress I do not want it ; it is not what I ordered. On XX/XX/XXXX I went to the store and Manager told me they would schedule a tech to come on his time schedule, and check the mattress. No tech yet. Manager said, after tech comes mattress of my choice will be delivered, and if I don't want it, they will remove the mattress. Even though I expressed that I do not want it they persistently overthrowing my decision for them to remove the mattress. All this waiting to remove the mattress is so painful. They just prolonging the time. I will not be forced by XXXX XXXX  to except an uncomfortable mattress ; I do not trust them now! Mattress cost {$840.00} Total {$840.00}
Consumer complaint received 2019-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (TX)

XXXX XXXX XXXX of 2018, is holding my credit line from getting va home loan. the reason of these issues was my wife got diagnosed with XXXX and at that time i was between jobs and my wifes medical Needs came first
Consumer complaint received 2019-01-04
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: WELLS FARGO & COMPANY (CA)

I have sent a letter to Wells Fargo ( XXXX ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted XXXX dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted XXXX  dispute receipt showing when you received my dispute showing all the accounts I have disputed.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Tonight I was checking my various credit reports in preparation for ordering a credit card from my credit union. There are only three major credit bureaus, so I thought I'd request my free annual reports from each. No problem with XXXX or XXXX. But with TransUnion, a big problem..

TransUnion produced a report that was incomplete. It either never found out about, or left off for reasons unknown, information about my past employment and finances that would dramatically improve my creditworthiness ( which was okay to begin with ). But that's not the big problem. The big problem is fraud.

TransUnion claims I ordered " 3 Credit Bureau Monitoring '' and other useless financial services. TransUnion claims I ordered this service for {$24.00}, which it automatically billed to my credit-union account _without verifying this order with me._ But I purposely did not order the service. In fact, I purposely hit the " Cancel this Order '' button just in case this was the sort of trap that it indeed turned out to be. I was tricked.

Now I must wait until the morning, after the debit exchange has transacted, to make my case with a TransUnion operator who may be working the line from XXXX or XXXX, and who inevitably will argue that it's impossible for them to cancel the transaction and refund my cash. Belatedly, I received email ( attached ) that indicates I did indeed cancel the service, but not before TransUnion extracts its {$25.00} blood-money. 

A lot of people may be falling into TransUnion 's trap because its webpage is a confusing melange of everything under the sun. The CFPB should investigate TransUnion 's abusive treatment of visitors to its website who are seeking information guaranteed to them by law. It's obviously too easy to do what's to TransUnion 's benefit, not the visitor 's. 

I am absolutely astounded that the company can be so cavalier with the trust of those on whose information it makes a pretty penny and still expect us to welcome its unwanted provision of services that depend on trust. This is pure entrapment. I will never do business with this company again. Never.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

Wakefield and Associates has been been been doing negative reportings continously, back in XX/XX/XXXX and XX/XX/XXXX they kept on going with the collection calls, Ive asked multiple times ( over 3 times ) to the collection agency that I needed a copy of the statement in oder to take it to my attorney so that i can proof that the debt has been cleared through some legal standing. The collection agency continued with the calls, im still hers in XX/XX/XXXX still waiting on a response. I am sorry but i am not willing to give the collection agency 4 tries in order to just get a copy of my so called debt, they call, i verify, i request my bill, I even take anitiative to confirm my address myself in order to make sure they get it right. I should not have to keep checking up on them, i should have only asked once but they have failed to complete my request but continue to impact my hardworking credit score. I am so far in good standing 's with car payments on time, credit card payments on time but here i am stuck with the with this horrible company.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

ECOA, enacted in 1974, prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, source of income or whether a person exercises rights granted under the Consumer Credit Protection Act for any credit transaction and through the life of the loan. Each time I have applied I have been denied and I believe it to be discrimination because of my last name ( a part of my heritage ). I find this game AMEX plays funny and unjust.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My refinanced mortgage loan is a non-escrowed account, per the loan documents. 

Freedom Mortgage began escrowing the account for property taxes in XXXX 2017, because it claimed that I had unpaid taxes. I had no unpaid taxes. My taxes were paid on time and I sent the proof to Freedom Mortgage. 

Over the past 12 months, I have attempted to delete the escrow account and revert the account back to have borrower paid property tax. Freedom Mortgage has refused to honor my request. 

Freedom Mortgage has also underpaid the property taxes, which caused fees and interest to accrue and the home to go into tax title. Then, Freedom Mortgage added the fees and interest to the escrow account.
Consumer complaint received 2018-01-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I own a large number of properties. ( More than 10 ) Chase services 3 loans from my portfolio. Recently all my individual property insurance polices were cancelled, by me, and replaced with a commercial policy that covers all my investment properties under one policy. As a result there is no individual amount to pay from an impound for one specific property. I pay an aggregate dollar amount to cover all properties in my portfolio. 

I kindly asked Chase to STOP paying INSURANCE from my impound account. I told them they could and should continue to impound funds and make property tax payments. 

I asked Chase by phone. I asked them in writing. 

I furthermore expressly removed any and all permission and consent for Chase to withhold money from me for the purpose of paying insurance premiums on my behalf. 

Chase has refused to honor my request. They insist on a nonsensical arbitrary withholding of my money for insurance ( I expressly FORBID AND DEMAND they do not ) I further DEMAND that they not send my money to others for the purpose of obtaining insurance. 

The behavior of Chase to this simply, reasonable, and logical request is appalling and quasi-criminal. I ask to CFPB to fine and sanction Chase. 

The three mortgage accounts involved with this request are ; XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (NC)

Yesterday, XX/XX/2019, we went to PNC downtown XXXX, NC to talk to the loan officer about the loan we took out to replace the variable interest load with a fixed interest loan, our pay off balance yesterday was {$60000.00}, on the internet. This morning I get up and the loan is payed off and almost transferred. Problem is the Pay Off this morning is {$60000.00}. There should not have been any late fees or other charges.

Yesterday when we were talking to the loan officer, she stated that the ( on line ) pay off balance was correct, ( when talking to another person on the phone to answer our questions about the difference in statement figures and on line figures ) she stated that the paper statement was incorrect and reflected the XXXX balance, on the XXXX Statement that we showed her. So it looks like the PNC Bank has charged us {$520.00}, to pay off the loan, we were told that we would not be charged to replace our variable interest loan with a fixed interest loan, the new and old loan were at PNC Bank, and there was not supposed to be a charge for closing costs on the new loan.

SO WHY DID THEY CHARGE US {$520.00} TO PAY OFF OUR OLD LOAN? This question was asked yesterday, and the loan officer said she was confused and couldn't answer our question. OLD LOAN NUMBER XXXX None of the balance figures add up on this simple interest loan, and we want to know why?
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

I have had numerous issues with Freedom Mortgage making escrow payments on time and accurately. Here are the most recent issues : XX/XX/XXXX- I called Freedom Mortgage and asked that they pay my property tax prior to the due date of XX/XX/XXXX so that I could avoid additional federal taxes. They paid the property tax on XX/XX/XXXX. Freedom did compensate me {$300.00} for this error.

XX/XX/XXXX - My insurance broker contacted me to say that Freedom had not paid my property insurance and they were concerned that I would lose coverage. I contacted Freedom and they stated that they never received a bill. We created a three way phone call with Freedom, my insurance broker and myself. The insurance company verified that they had the correct mailing address for Freedom and that they had mailed the invoice. I have had 5 mortgage companies and one insurance company over the life of this loan. Freedom is the only company that has not received insurance mailings.

XX/XX/XXXX - My insurance broker contacted me to let me know that Freedom had shorted my flood insurance payment by {$170.00}. This error leaves the property in jeopardy of not having flood insurance for a period of 30 days. Freedom stated that the lesser amount that they paid is what was entered into their system.

As a result of this pattern of errors and issues, I requested that I take over all escrow payments and the Freedom transfer all escrow funds to me. Here is Freedom 's response : XX/XX/XXXX - Operator XXXX - The insurance department does not accept emails, you will need to address this issue with customer care. 
XX/XX/XXXX - Customer Care Rep - Please email your request to customercare@freedommortgage.com. I sent my request to that address. 
XX/XX/XXXX - Operator XXXX - We do not respond to emails. Your request will be responded to via USPS within 30 days. 

In addition to the above concerns about lack of timely and accurate payments, it is clear that Freedom 's communications process is designed to obstruct consumer feedback and communication.