davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TN)

I am looking to receive a refund because I made a purchase through my old cash app account and since then it has been closed and disabled but the company I made the purchase through stated that I have to contact you guys and give you a reference number for my refund, so Im able to receive them to a different bank account. I have reference numbers that I can provide you guys in order to get the refund if possible Ive tried every other option and the only way I can get it is through Cash app. The total amount of the refund was {$1200.00}. The purchase was made with XXXX
Consumer complaint received 2024-02-01
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Cash App, as they have failed in their fiduciary duty by neglecting to address a fraudulent transaction and provide me with the necessary support and protection as a consumer. 

On XX/XX/23 I used Cash App to make an online purchase to what I believed to be a merchant at the time. The details or nature of the transaction was misrepresented and falsely advertised leading to my authorization under false pretenses. Unfortunately, I never received the ordered item, and upon investigation, I discovered that the merchant was deceptive and the website is no longer available, indicating a scam. Despite my attempts to resolve the issue, the alledged merchant refused to refund my money. 

I promptly reported this incident to Cash App, expecting their intervention as a fiduciary and their duty to protect their customers. Shockingly, Cash App not only denied my dispute but also rejected my appeal, leaving me without recourse. Despite multiple attempts to seek resolution, including phone calls requesting further assistance, no one from Cash App has shown the slightest concern or attempted to address my predicament. 

The purchase I made using my cashapp account was for {$49.00}. Although the monetary value may seem modest, the significance lies in the principle and the neglectful conduct exhibited by Cash App in handling this matter. I have been a customer of Cash App for almost 7 years and in that time frame I probably disputes 2-3 other transactions ; I additionally want to emphasize that, aside from the specific incident mentioned, Cash App has consistently demonstrated a pattern of neglect by never refunding any disputes I have raised in the past. This disregard for customer concerns is not only alarming but indicative of a systemic issue within their dispute resolution processes. 

This blatant disregard for my consumer rights and fiduciary duty has caused significant financial loss and emotional distress. The denial of rightful refund and failure to address misrepresentation or fraudulent scheme charges not only violates the fiduciary responsibility Cash App holds towards its customers but also undermines the trust consumers place in such financial platforms. 

I hereby request a thorough investigation into this matter and urge the Consumer Financial Protection Bureau to intervene on my behalf. 

Thank you for your attention to this matter, and I trust that the CFPB will act swiftly to address this egregious violation of consumer rights. 

Account # ending in XXXX Account email : XXXX Account phone # XXXX
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CO)

I applied for a credit card with Wells Fargo bank, in/A. On XXXX XX/XX/2019 I was notified the application was denied. I have a perfect credit score via the XXXX credit reporting agency they used of XXXX. I believe I was denied due to my age not Credit worthiness. There was a {$300.00} bonus on this credit card if used properly, I believe Wells Fargo was doing a bait and switch scheme.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

NOT A DUPLICATE I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Southwest Recovery Services, Inc. (OH)

I checked my credit report and see an unfamiliar account. I was given the run around about this account until I was told from a representative that it was from XXXX and they outsourced it to another company in which they are reporting it as a current account XXXX ... .... I did not make progress in resolving this matter as I have no knowledge of this account. 

Original Account Holder : XXXX XXXXXXXX XXXX Current holder : XXXX XXXX Amount : XXXX
Consumer complaint received 2019-10-21
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. (FL)

I filed a legally sufficient identity fraud complaint with Experian under FCRA Section 605B. Under that Section, Experian is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Experian received the complaint. Experian refused to block the information and provided no lawful excuse for their refusal. Instead, Experian sent me a report more than 30 days after receiving my dispute. Their response simply states the vendor or creditor met the FCRA requirements even though with my dispute I submitted an identity theft and/or police report. Experian has chosen to ignore the law to block the information resulted in the identity theft within four days.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

Apple vamk for savings, a nee york based bank, had scheduled a online convention on XXXX XXXX XXXX, they notified consumer that the online services will be unavailable from XXXX XXXX till XXXX XXXX. However, when i logged on after XXXX XXXX i was stocked thay only some of my accounts showd ( i have several accounts under same username, 1 as a personal and 1 for my business, and 1 for savings ). I wS sure its an error, i called the costumer service line, after a wait of more then 45 minutes, the operator told asked me what he csn help, i said, my business account dosent show online, he said ohh business accounts was not brought over to tje NEW system, u have to go to a local branch to set it up, i askes why i was not notified about it, he was not able to answers. A day latter at the local bank. As a arrived at the bak there was alot of people with the same problem, the bank manager asked us all togetherto come to his office, he first apologised on whays happening, by saying the does not have an idea why this happend and that he was asked by the HQ before the cibversiin date, to notify just few people that will be affected and he did, but ge was told thay the rest will not be affected, but he just learned that " ALL '' business accounts wgere affected, and that he can not even get through the HQ to know whats going on becase that dint answer his phones calls, He than took information from everyone in the room and promisedus that the ussue is going yo be resolved in less tgen 2 days, Since then i tried to check online my bank account on daily basis, but nithing changed, i dont habe acces to my business account, Today it 2 weeks already l, so i went back inyo the local bank, tbe menager was noy therr today, so one of the bankers there asked my whay the issue is, i repeated my priblem, she asked wgats the name of your business?, xyz, i replied, she browsed though a bunch of papers on her desk, she said, your business is not on my list, i asked, so what dies it mean?, she said, your account is bot in a lust of account that we are going to fix today, i asked when can i expect mine to be resolves, she answered i dont know, and i can not give you a tine frame. She then told me a lie, that they notified everyone in advance, something is not ture, i am attaching the only email we got before tge conversion, and the menagers also told us 2 weeks ago that he was in total surprise. Meanwhile, i can not pay bills, transfer funds, reconcile my business records and so on.
Consumer complaint received 2022-08-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

XXXX  months ago approved for loan mod with Mr. Cooper. However, they added my ex wife as a borrower and she never was on the mortgage. Now, ive sent divorce paperwork, the quit claim deed numerous times at their request, but they still insist she sign a mortage she never was on.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (DC)

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX a XXXX year old man thought that he was purchasing a Brand New XXXX in XXXX 2014, he agreed to pay approximately {$30000.00} for the car. XXXX XXXX did not realize this was a lease and grossly over-paid. Once the papers were read we explained to him that it was a lease not a sale and the price of the car was {$22000.00} and not XXXX he paid. XXXX XXXX requested the Lease Agreement for the car and was sent a illegible agreement which was not included in his original paperwork. It appears that the Dealership changed hands and now is controlled by someone new, furthermore, XXXX XXXX was sent to a collection Agency which has demanded an additional XXXX on a car not worth more than XXXX and XXXX received nearly 40K. The Dealer contacted the customer and said we can sell it for more than you can, which did not happen. After reading the contract with a magnifying glass it is in contradiction with the demand for the additional XXXX the contract says that the amount collected after the completion of the lease is no more than XXXX. This is Elder Abuse in the worse way and XXXX should be held to a higher standard beginning with including the contract up front and a clear explanation of the lease. The dealer also included a Contract Cancellation Option Agreement which clearly says for " Used Motor Vehicle Purchases Only '' XXXX XXXX car was supposedly " Brand New '' So it is unclear why this document was included.
Consumer complaint received 2016-10-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: P.S.C., Inc (WA)

Puget Sound Collections keeps sending me letters in XXXX different names. When asked to verify this was my debt, they continue to just send statements of amounts owed in XXXX different names. I had XXXX for medical coverage and fear i have been a victim of identity fraud due to their breach. They show the wrong name for XX/XX/XXXX & XX/XX/XXXX showing on a statement using my married name when i was n't married until XX/XX/XXXX. They keep saying they have verified who i am but they have n't verified this is my debt and refuse to remove it from my credit report. They are harassing me and bullying me with tactics that are unfair.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Please remove these negative items from my report I have been disputing items off my report for a long time this is stopping me from getting my car and my home for my children which is very hard on me these items has no validity and have not been proven
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/XXXX I signed up for the luxury gold card. The company offered an scra benifits that waived all fees ( including the annual fee ) and gave me 0 % APR on all purchases. In XX/XX/XXXX I heard of friends trying to get the same deal but the company stopped offering it. I spoke with a representative and was ensured that I was grandfathered in and my benifits would not change. In XX/XX/XXXX I received a letter stating that I would be forced to pay the annual fee in XX/XX/XXXX all other benifits would remain.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have had a Chase college checking account since XXXX, that Chase just closed today without any notification to me, nor any explanation for the closure. I opened this account as a joint account between myself and my father as I was XXXX years old at the time. On Wednesday, XX/XX/XXXX my father and I discussed and agreed upon removing his name from my account as it is no longer necessary and he is not interested in managing my account. We live in different states, and with my permission, he went to his local branch on XXXX XXXX in XXXX XXXX, NJ, and spoke with a banker about removing his name. They called me on the phone while they were there, received my information and approval, and told me to come in at my convenience on a later date to sign something certifying my father would be removed. I did just that, but upon showing up was told my account was frozen and they could not tell me why. Since it was a weekend just before closing, they advised me to show up to any branch location on a weekday and they'd be able to resolve and open my account back up. I did just that today XX/XX/XXXX, and was told the back office elected to close my account without explanation. I was told I was not going to receive any explanation of why my account was closed, and that I would be able to open any other accounts with Chase. I have never committed a crime, been a victim of fraud, neglected to pay a fee or bill, and my credit score is excellent, over 800 points. Like I said, I was given zero notification of the closure of my account. They did not give me any prior warning so I could adjust by opening an account elsewhere so I'd still be able to pay my bills. Just silently closed my account. This is outrageous, inconsiderate, and incompassionate.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

Amsher Collection Services  is attempting to collect a debt that they claim I owe to  XXXX . My account with  XXXX  is current and I do not owe them {$1500.00}, as  Amsher  is claiming. Amsher does n't even have a file number for this alleged debt.  Amsher  has not sent me correspondence or invoices in attempt to collect this alleged deb t. Amsher has ne ver contacted my by phone, email or mail with regard to this alleged debt. The only reason I know  about Amsher is  that I just happened to check happened to check my credit report last week and saw that they had placed this account on my credit report. They claim that it 's been since  XXXX   2017  but I have never received anything from them.
Consumer complaint received 2021-08-13
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. (DC)

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

We filed Bankruptcy in XXXX of 2010. XXXX XXXX XXXX and XXXX both are erroneously reporting mortgage lates after that date. These were recently reported on all XXXX bureaus and have dropped our credit scores. We have been working to recover from a very difficult time 6 years ago and seems like they just want to keep us down.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
Consumer complaint received 2021-08-13
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. (GA)

Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$590.00} Collector : XXXX XXXX XXXX Account No. XXXX and XXXX Balance : {$1600.00}, {$600.00} This is a formal complaint against the three national credit bureaus XXXX XXXX, and TransUnion. I have asked them to do a proper investigation and validation of the two accounts above.

For one, I have disputed XXXX XXXX XXXX with the credit bureaus since last year, for some reason none of the three reporting agencies could provide sufficient and legitimate proof of the documents I have requested as my reference in order to substantiate their claim. The date of last activity is still reporting inconsistently in all three bureaus, XXXX  is reporting XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, while TransUnion is reporting XX/XX/XXXX. How can this be when all of them should verify and validate this information from the same furnisher or source? 


The other collection account that is reported is the XXXX XXXX XXXX. I'm not understanding why there are two accounts with different balances. The dispute status of this account to my credit report is also reporting inconsistently in two credit bureaus. XXXX  shows " Account not disputed '' while XXXX  shows " Account disputed ''. There is only one source of information, which is the original creditor of this alleged account. It appears no creditor investigation was actually done.