davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My identity has been compromised or stolen. I filed a police report and notified Experian, XXXX and XXXX XXXX. I feel that they are not taking the matter very seriously at all.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and  confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, Transunion and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

I received a notice from cash app that {$900.00} was paid to a consumer named XXXX. I immediately tried to dispute it with cash app. I was unable to request a refund. I reached out to XXXX  XXXX after transaction received automated email response. XXXX  had taken small amounts {$3.00} or {$4.00} then the next big jump @ XXXX was {$900.00}. I've filed a police report also have emails where I've tried to reach out to both company 's cash app and XXXX. Cash app told me there's no way for me to send the police report or proof that I tried within minutes of notification to dispute this with XXXX. I didn't authorize this transaction to XXXX. I canceled my cash app card also had to receive a new bank card.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (CA)

https : //www.uprova.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 539.72 %. I borrowed {$900.00} and now I owe {$3300.00}. This should be illegal.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (FL)

heftyHi, I been trying to work a settlement payoff with Midland Credit Management for the pass month and a half now. As I 'm writing this complaint, I 've been on hold for 1hr,25mins now, without anyone coming back to the line to follow up with me at all. Not sure what the policies, and procedures are, but what ever it is, Its not working well. 
However, I 've been wanting to work with MCM on an amount of XXXX which was offered to me at the end of XX/XX/XXXX to close out the XXXX account I have in their office. 
My first contact with MCM, I advised them that I have a very limited amt to work with, to be exact I had amt of XXXX, due to lack of income. I 've contacted them few more times after that, but no one seem to be willing, and understand my situation, not that I expect them too. I just would like to be treated fairly, I 'm sure they do n't place all their client on hold without a follow up for over an 1hr now. I wish someone would just come back on the line so I can settle this matter. 
I hope the way there are treating me at this time will not go unnoticed, the way they are conducting their business is ridiculous, its unheard of, I 'm surprised their doors are still open. 

I just wish someone would come back on the line, considering they close in 8mins ( XXXX EST ) that 's how long I 've been on hold without a follow up, WOW! Amazing! 

I hope CFPB, can retrieve the phone calls I 've made to them, so you can hear my willingness to work with them, and MCM, Not so much. 

I even had a rep question my intentions for wanting to settle the matter. 

So I 've been on hold now for a total of 1:28min Guess this matter will not get resolved tonight for lack of willingness on MCM 's side. 
Thanks MCM for wasting 1:35min of my life! 

I sure I 'm not the only one that has some thing nice to say about MCM ... 

I hope MCM will be fine a hefty amount for this unfair treatment!
Consumer complaint received 2017-08-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Check Security Associates, LLC (IN)

XX/XX/XXXX I have received phone calls at work and on my mobile phone regarding a debt that is owed by alleged law firm. I have been harassed repeatedly. They have threatened legal action, and to serve me papers at my place of employment. Also, I have been left messages saying that they have contact the HR department as well. The debt is allegedly for {$100.00}. From my understanding, if a company has written off a debt and sold the debt to a third party, the individual is no longer responsible for the debt. According to the person who called, XXXX, this is from a debt that occurred in XX/XX/XXXX. The action I want taken is for them to stop calling my place of employment threatening to fax sensitive information. I have never received any correspondence in the mail or via email. I would rather see something in writing before giving sensitive information to someone over the phone. I have also been threatened with jail time as well, the individual I spoke with that day was XXXX. This happened in XX/XX/XXXX.
Consumer complaint received 2023-04-09
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: SYNCHRONY FINANCIAL (FL)

I contacted Synchrony Bank on XX/XX/2023. First they were unable to find my rooms to go account. Then she found it using my phone number. The agent tried to convince me that my monthly payment was {$88.00} a month. I advised her that was incorrect and that my monthly payment is {$22.00} a month but somehow there are late payments that I dont know where they came from. She tried to argue with me that I was wrong. I then requested a supervisor who stated that there were no late payments and I only owed {$22.00}. I stated to him its showing on my credit. He stated that is incorrect and that I have no late payments. I was completely lost because Im looking at my report. He then transferred me to a customer service or credit dept who dropped the call and didnt even bother to call back. Luckily I recorded the full conversation. I can send it to the company if they would like. At this point its ridiculous. Im not even able to get a clear understanding of whats going on. It seems I may need to take this to court because synchrony bank does not care to resolve this issue.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PC LEGAL SERVICES, LLC (WI)

On Thursday, XX/XX/18 at XXXX XXXX., I received the following email from my employers human resources department. 
Hi XXXX, I just received a phone call from a XXXX at XXXX XXXX XXXX  who would like you to call a firm named XXXX - at XXXX - reference filing case # XXXX Thanks, XXXX
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (AZ)

So I had a problem with cash app I disputed some charges I didnt recognize nor I did so cash app close my account so I couldnt do anything so I deleted my account but I forgot to withdraw my money I have in there I tried making a new cash app account but couldnt because cash app doesnt let me due to me violating cash app terms. So when I contacted customer support I told them I needed help verifying my identity which they told me theyll contact me email which they havent. I need help withdrawing my money and verifying my identity so I can have my money transferred to my new account..
Consumer complaint received 2024-02-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (LA)

My daughter created a cash app account as a teenager with me as a sponsor. My daughter is now XXXX XXXX XXXX. In XX/XX/XXXX she closed the cash app account because it was still recognizing her as a minor and there were restrictions associated with a minor account. While the account was open she purchased tickets to a concert through XXXX. Unfortunately the concert was canceled and ticket master refunded the funds back to the original payment method which was to her now closed cash app account. The refund took place XX/XX/XXXX. When my daughter reached out to cash app in XXXX to remedy the matter she was told that only the account sponsor could make decisions on the account. I contacted cash app with my daughter present on multiple occasions and have been advised by customer services and through email that they can not release the funds to me because the account is closed. I asked them to return the funds to XXXX so they can redistribute the refund in a different manner and they have refused. I asked cash app to send me a check for the balance and they stated they can not do that. They have also refused to re-open the account to gain access to the funds. The total amount is {$620.00}. 
I have tried all that I can think about to get the money returned to no avail. I believe at this point it is criminal for this company to hold money that does not belong to them. I requested the policy on how long they can hold funds on a closed account and was denied this information as well. Please help with this matter.
Consumer complaint received 2018-03-23
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. (LA)

I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I logged onto XXXX and filled out the COVID-19 request free weekly credit report page, as directed by the consumer.ftc.gov website. N
ot one of the 3 reporting companies, XXXX, TransUnion nor XXXX is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( Equifax, XXXX and XXXX ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( Equifax, XXXX and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (VA)

Square , Inc., has been processing payments for a specific line of our products since XX/XX/XXXX and until today they have kept all our sales proceeds and have transferred {$0.00} to our bank account. If it wasnt because of an audit made by our accountant, we would never have realized that they had been keeping all our money. 

Over the past month I've contacted Square at least 4 times via telephone ( XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX ), and numerous times via chat and through their web interface. I've provided the information they requested and they still won't transfer my funds. 

Each time I've spoken with someone at Square to try to get my money transferred to my account they come up with a new request for information. If they needed such " onboarding '' information from us they should have never started accepting payments from our customers until they had what they needed. Instead, they seem to believe that it makes more sense to process our payments for two years while keeping our money all this time. Our money has generated Square interest in their bank account that we should have earned. Even if they transfer our money, who is going to pay us for the interest we should have earned? 

I've asked Square to close my account and they refused unless I gave them more information, which I did. They don't review the information within their promised 1-3 days, instead I have to call them to " escalate '' my request and whenever they decide I've waited long enough they respond back asking for more information. It's a never-ending loop where they waste my time and keep my money. How is this a legal practice in the US??
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

Fifth Third Bank has refused, without explanation to process my short sale in an attempt to force a foreclosure and cause the buyer to back out of the deal. I previously filed complaint # XXXX to which XXXX XXXX at Firth Third was assigned to the case. There was some movement and shortly after the file was closed and we are back to no action. It has been almost an entire YEAR since we started the process. I was initially told we had to process a modification first before we could start a short sale which turned out not to be true. Not that we have established its a short-sale, fifth third has not processed the documents, does not communicate when reached out to and they closed my complaint file with no resolution or even an explanation. This is clear intent to defraud and cause a foreclosure. All parties involved are expending additional funds unnecessarily. Please help.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I was out of town when the payment was due, and while trying to call I got the message there was a problem at the time, and try to call back later. While calling later, I got the same message. Therefore, I tried using my cell phone to pay the bill and since I was out of town, I did not have my login information, thus taking a long time to login. At XXXX central standard time I finally got through to make the payment. The credit card company considered that late, because they said it had to be made by Eastern standard time. Thus it rolled over to the next day receiving a LATE fee of {$29.00}. The credit account is closed because the store closed. Because I try to do the right thing, I continued to make all payments on time. While explaining this to a representative, she indicated there was no chance of a one time waiver, even with my making payments on time. The company and bank is ComenityXXXX XXXX XXXX
Consumer complaint received 2022-09-08
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. (MD)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$540.00} -Late/Closed Late Date XXXX
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (OH)

I am writing to express my utmost frustration and dissatisfaction with the current situation regarding my Square account. i got informed by square that my account has been deactivated without justifications with my square balance totaling {$41000.00} being held for a period of 90 days and right now its been over 12 months without getting my funds released. 

Despite numerous attempts to resolve this issue through square customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only exacerbates the situation and leaves me feeling powerless. 

I urgently request the immediate release of my funds in full. Additionally, I demand a detailed explanation for this unwarranted withholding and assurances that measures will be implemented to prevent similar incidents from occurring in the future. 

The impact of this hold on my business can not be overstated, and it is imperative that this matter is resolved with the utmost urgency. Failure to do so will force me to explore other options to protect my interests. 

I trust that you will prioritize this complaint and take swift action to rectify the situation. I await your prompt response and the release of my funds.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one and XXXX accounts and credit reports and cards are delinquent and have been featured and used without my knowledge and it is affecting my credit score it was almost XXXX points until some charges were put on with out my knowledge I would like a fresh start and my credit report to be revised