davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/2022 account electronically compromised funds fraudulently withdrawn 30 days later no hopes of being made financially whole. After many many hours on phone with reps..USAA BANKS XXXX  lock me out of my account..Phone calls and internet verification impossible. IM here with no other avenues of action.
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

I was scheduled to initially close on a home on XX/XX/21. I had been working with a title company for months. On XX/XX/21 I received an email, that at the time I did not know was fraudulent, regarding closing and wiring instructions. I then wired the funds on XX/XX/21 to the account provided, a Chase Bank, account # XXXX. The closing was delayed and 1 week later the deal was cancelled. On XX/XX/21 I asked the title company to send the money back to my account. On XX/XX/21 the title company could not locate the funds in their account. I discussed with them the email correspondence that I had with them and they denied ever sending or receiving those emails. That same evening I filed a police report regarding the incident. The total amount transferred was {$23000.00}. I also filed an investigation with XXXX  XXXX XXXX who I used to wire the money, on XX/XX/21 they notified me that they were unable to collect the money and they would be closing the case.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (CA)

On or around XX/XX/XXXX and XX/XX/XXXX, I engaged in XXXX transactions with XXXX XXXX. During these transactions, I was assured of receiving specific marketing services and assets. Additionally, I was guaranteed a refund should the company fail to deliver satisfactory results. Despite these assurances, XXXX XXXX charged upfront fees for services that were not completed and failed to produce the promised marketing assets. I was required to send merchandise valued over {$400.00} for asset creation, yet only one asset was developed. This discrepancy between the company 's commitments and their actual performance is a matter of concern. 

I attempted to resolve these issues by contacting both the owners of XXXX XXXX and the assigned marketing representative, but my communications were met with no response. 

Furthermore, I have faced challenges with Cash App, which has consistently supported the merchant without requesting any documentation or conducting an investigation. The marketing services, for which I expended over {$7000.00}, were deemed inadequate by standards set by several prominent marketing firms. My requests for a chargeback were denied by Cash App, citing the absence of errors and refusing to review or investigate the matter. Customer service interactions have been unhelpful, often resulting in terminated conversations. 

Additionally, my discussions with a personal contact at XXXX XXXX  suggest that more rigorous investigative measures should have been undertaken, including soliciting further information from me, in accordance with established guidelines. Regrettably, I was not provided the opportunity to present my case or the relevant details. 

I find it increasingly frustrating that as a hardworking individual in my demographic/race, I am subjected to such practices where a company like XXXX can XXXX to honor its commitments without any repercussions. The automatic siding of the bank with the merchant, without considering potential fulfillment errors or merchant abuse, is concerning. The issues encountered include misrepresented products, unfulfilled service promises, and a failure to issue refunds. Despite offering XXXX XXXX opportunities to address these issues, they have remained unresponsive to communications, whether via calls or direct inquiries about the service progression XXXX days into the agreement. 

This situation represents a failure to honor contractual obligations and a lack of accountability, leaving me without recourse for the significant financial and professional impact suffered
Consumer complaint received 2024-01-21
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. (IN)

This is complaint is about CashApp or Block I have 4 personal accounts with money being held because of a XXXX XXXX on business receivables. As I said these are personal accounts and while I am a guarantor to this debt a judgment is needed to freeze assets of a guarantor. Again they are personal accounts XXXX {$240.00} XXXX - {$200.00} XXXX - {$180.00} XXXX - {$65.00} A total of {$680.00} is illegally being held and has been for sometime. I should be awarded interest for illegally holding my money. If it is not released I will file a lawsuit
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (VA)

Hi whats going on? why am i not getting notified of whats going on with my dispute? I sent you several follows ups already but you seem to be ignoring me. I need my credit fixed because inaccurate reporting is affectingme a lot. Please check my credit report and remove all the errors.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I checked my credit and saw an account from XXXX XXXX for a balance of {$550.00}. The account is very old and was opened in XXXX but charged off in XXXX. I lost my job and was the victim of a house fire that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. I can pay {$200.00} to settle. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

I had identity theft over 7 years ago, and had a detective submit information to XXXX XXXX on acct in Ohio. XXXX XXXX then sold the acct to XXXX XXXX XXXX, who keeps putting it on my acct over and over again. I give documentation from police and Equifax removes from Credit report temporarily after a 30 to 45 day investigation. then about few months later, they throw it back on my credit report again and again. Then Equifax says due to XXXX XXXX changing the original date and lying, they have to redo the investigation for another 30-45 days each time. This acct is over 7 years old and fraud acct, so no reason to ruin my credit score and chance at credit for a fraudulent over 7 year old acct. I have plead with them everytime to just not put back on my acct and they keep doing it over and over and helping XXXX XXXX collection agency. This is not fair credit reporting and I am so mad about it. I will go to media and get lawyer if this does n't get straightened out by Equifax. I have been patient for over 7 years and now its getting to be repetitive behavior with no heart to how they affect people 's lives or chance at credit. I pay my bills that belong to me on time and not fair to be punished over lies.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

The original creditor reported that I was married, which sky rocketed my insurance premium. They never sent any information so I can defend the dispute. As a result they placed a XXXX account in collections on my credit.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (WI)

On or around XX/XX/XXXX I contacted Cardmember Service @ XXXX to question how payments would be applied to my balance transfers ( I  have multiple ) because there was one that was set to expire XX/XX/XXXX ( approx.  balance of {$1600.00} ). The representative ( a women 's voice, but I did n't write it down ) stated that if I make a payment that it would pay off that balance transfer set to expire XX/XX/XXXX and anything above that would be applied to the balance transfer set to expire XX/XX/XXXX. I called today, XX/XX/XXXX ( after  reviewing my statement ) and realized this was not a true statement. I called Cardmember Service again and spoke to a women ( again I did n't catch her name ). She was telling me the same information and I continued to tell her that was not how the payment was applied. She needed to place me on hold twice before she stated that the way I was told the first time was incorrect and that if I made a payment more than the minimum anything above would be applied to the latest transfer I made and not the one set to expire. Had I been told that it XX/XX/XXXX I would have continued to make the minimum payment and made my larger payment once myXX/XX/XXXX transfer expired ( so they could charge me 10.24 % ). The lady stated there was nothing else she could do for me without me obtaining fees so she transferred me to a supervisor. Once the supervisor ( XXXX ) answered I needed to tell my story again and the only answer I received was that I could not have called in XX/XX/XXXX because it was not documented in their computer and I was never given miss information and he offered no help/solution. I work in XXXX XXXX and I am very familiar how this works. I stated that and told him I in fact called and was given information. He still offered no assistant other than because his computer stated I did n't that I could not have called and received this information.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (PA)

I was enrolled in a premium auto protection by American Express. There was a charge on my account that should have not been charge. They are stating they are unwilling to do anything as its a valid charge. I have tried to do everything to get this resolved and they have been unwilling to resolve the issue.
Consumer complaint received 2021-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi whats going on? why am i not getting notified of whats going on with my dispute? I sent you several follows ups already but you seem to be ignoring me. I need my credit fixed because inaccurate reporting is affectingme a lot. Please check my credit report and remove all the errors.
Consumer complaint received 2019-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I am POA and son of my mother and this complaint is about the reckless disregard Shell Point Mortgage services acted during my mother 's loan and during the closing process to buy out her debt. I filed a claim with the state attorney general of Colorado as well as the XXXX of XXXX SC. During the closing they asked for 3 months of interest 177days with out explanation as to why then need more than most banks of 30-90days. I could not nor could XXXX XXXX the loan company buying out the loan get Shell Point to explain this. Also the phone numbers they provided had their mail boxes full so you could not leave a message. they sent 3 registered letters with the same information that did not explain what was asked. They claimed to not to be able to get a hold of my mother or I and that my voice mail was full which it not true or accurate. I sent them 4 copies of my POA they claimed they never got. They made an extra {$1400.00} by manipulating the principal and interest claiming we had paid 3 payments to principal and not to interest. Which is not true. Because that's all my mother has paid since 2007 on this 13 % interest where only {$30.00} dollars went to principal a month. They now claim they did make a mistake and owe her {$37.00}, but they owe her more. They refused to send me her loan agreement. I feel what they've done to my XXXX old mother is fraud. and I would like your help.I can provide payment records and my correspondences with the bank Shell Points mailing address and her Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2017-06-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XXXX because I had no clue that I was in repayment until XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (TX)

Beginning XX/XX/2020, I was contacted by Credit Control. I answered the phone, and the individual requested my information. I refused to give, as I am under no obligation to provide my private information to an unknown and unverified caller. Since then, I have been getting repeated robo-calls from this " credit provider ''. One phone call, they asked for a XXXX XXXX, who is not me. They use several robo call dialers, and when you try to return the call to request information, you are required to leave a message with your personal information rather than talk to a person. Since then, I have sent them a cease and desist letter and email to their complaints division, but that has only increased their calls from multiple numbers. XXXX ; XXXX ; XXXX ; XXXX. 

To date, I am unaware of ANY debts owed that have been sent to any collection agency, as I have been current on all my loans and financial obligations. I have requested for information in writing, to which I have been hung up on. 

This company has been so aggregious in its communication tactics that it deserves to be investigated and reprimanded for its harassment on a person who has no account with them and of whom they can not confirm they have an account that applies to me.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I have submitted my request to have 3 separate bankruptcies removed from my credit report in XXXX, XXXX, and also XXXX. Equifax informed me that they were unable to verify my identity. I sent over copies of my id, ssn, and proof of address several different times. I have the certified receipt showing that it was delivered XX/XX/2020 with a tracking number of XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE THE TIME OR THE MONEY TO KEEP SENDING ITEMS CERTIFIED JUST FOR EQUIFAX TO SAY THEY DID NOT RECEIVE IT. I also sent them copies from their own 3rd party verification department which is XXXX showing they have deleted the bankruptcies from my report, yet Equifax is refusing to remove them and it's causing me issues with me purchasing my home. I don't understand what the issue is. It is against the law to report un-factual information but yet it's still being reported due to them being paid to report. Equifax has already been sued in a class action lawsuit. I am requesting that it get deleted from my report immediately or i will sue Equifax. CFPB is suppose to assist consumers with things like this but yet this is my 5th complaint and nothing is getting done. 
Desired Results : REMOVE THE BANKRUPTCIES FROM MY REPORT Why : It is not verifiable and their 3rd party verification department XXXX XXXX has already deleted it.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (KS)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was XXXX  for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in XXXX  I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX   XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) XXXX
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (IN)

This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. 

Charged XXXX Cash app name XXXX XXXX ( $ XXXX ) XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (IN)

This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. Charged XXXX Cash app name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX