davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit 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. (CA)

My login has been compromised and I lost so much money. I never used cash app and not too familiar with it. Some how the money was transferred from savings to checking to debit to cash app. I was told the notification was turned off, and that results in not receiving any notification about the transfer. I contacted bank, and they told me to contact Cash App, since all the money was transferred to them. I contacted Cash App customer service, and was told that I can file the dispute. After Cash App found out the amount that was transferred, they told me its not there problem and they can not help me with the dispute. Customer service told me that all the transactions were approved by me. ( I never had the App on my phone and I don't understand how they can say that it is approved by me ). Many transactions took place in the middle of the night or an early morning. She said, if you think this was fraud than you need to file a police report. I contacted police department and reported the fraud. ( I can provide the police report number if needed ). After going through the bank statement with police officer, we found out almost {$8000.00} was gone. Cash App told me that my dispute is denied and they can not help me anymore. 3 times customer service hang up on me. Every single time I contacted, I wrote down the name of the person I spoke with. I asked, if they could transfer me to supervisor, I was told sorry we don't have supervisor here. When I ask for the corporate office number that person hang up on me again. I am not working and disable from my car accident. All I can say Cash App has very poor customer service.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

My phone was stolen while out of the country. The person who stole my phone was able to get inside of it and start making cash app transactions while still outside the country. The person attempted to make over 25 cash app transactions within a four hour Period. 
I immediately contact cash app however, I was told to contact my financial institution instead. The person continuously made more Unauthorized transactions and cash app could not stop it. 
When I started an investigation, Cash App stated that these transactions were authorized. Even after I explained, the transactions were made outside the continent of the United States and the XXXX. 
Cash app refused to accept these transactions or authorized even after I showed them the IP address for these transactions were outside the country
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Collection Consultants of California (CA)

Account name COLLECTION CONSULTANTS Account number XXXX Recent balance {$170.00} as of XX/XX/XXXX/2017 Date opened XX/XX/XXXX Status Collection account. {$170.00} past due as of XXXX 2017. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX Type Collection COLLECTION CONSULTANTS ' lack of response has negatively impacted my credit report. I reserve all legal rights to defend and dispute my credit report records. 

Why wo n't COLLECTION CONSULTANTS provide a deletion letter for paid claims, similar to other collection firms? 

Request : Deleted permanently from my credit report. Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. This is the only remaining inaccurate collections item on my credit report. 
Consumer Finance Protection Bureau ( CFPB ) Case Numbers for CMRE to immediately address :
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (CA)

I told the company I wanted to voluntarily turn my car back in. Once they received it, it was reported as a involuntary repossession. I have not received anything in writing stating the final sell price of the vehicle, or anything about what was due after the car was received by the company last year.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (IA)

On XX/XX/XXXX I had a client play a bill through my square credit card processing account and immediately they froze my account. The payment was by a large company and the XXXX XXXX XXXXXXXX so theres no fraud. Now my account is frozen and I was told no more then 24-48 hours. I was told that an email was sent with documents I needed to sign but thats false. I am a XXXX XXXX with limited capital and need this money to survive and they wont respond at all. The phone number that they provided wont connect and emails get me no where.
Consumer complaint received 2022-08-10
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-04-12
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Rosebud Economic Development Corporation (MD)

I have 2 means of contacting this lender : " Rosebud Lending BHL d/b/a First Pay Loans '' via : Telephone : ( XXXX ) and Email : XXXX. 
When I contact via phone, the call does 3 rings then drops. When I contact via email, no response. When I look on my bank statement, the company does not have a phone number, but goes by the name " XXXX ''. There is no other means of contact.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I have written Citibank twice. They say that they have reported correctly, however it appears they misunderstand what the actual problem is. I do not dispute late payments prior to XX/XX/XXXX. They acknowledge correctly that my last payment Was for {$2700.00} back in XXXX of XXXX and that there is currently a XXXX balance. The account was closed at that time and there has been no activity on it. However around XXXX of XXXX all of a sudden they begin to report that there were late payments for several months in XXXX and XXXX. How could this be since my last payment was in XX/XX/XXXX and the balance is still at XXXX? They consistently do not respond to my inquiries regarding specific information of balances and proof of any late payments in XXXX or XXXX. This is because they have no such information because that account has been closed for the last 4 years. Apparently there is an error somewhere either on their end or perhaps a credit bureau has some mix up of accounts but this matter has negatively affected my ability to get a conventional mortgage loan. Please Have someone to trace details and source of any such balances or late payments in XXXX and XXXX to find out the source of the error ; and as I'm certain that no information can be found, I requested that those erroneous entries be removed from my record so that it shows that there was absolutely no activity for that account since it was closed back in XX/XX/XXXX. Your assistance would be very very much appreciated.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I have been dealing with Citi Mortgage for several Months trying to conduct a Short Sale of my residence. All documents have been submitted for review ( were again verified complete over 30 days ago ). But every month the case is reassigned to a different short sale representative. We are now about to lose our buyer due to failure on Citi 's part to process in an acceptable timeframe.
Consumer complaint received 2024-02-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (HI)

There was an authorization hold placed on my car by a hotel a little over a week ago I was told in the past that, as soon as the hotel releases, the authorization hold that I receive my money back. I also have been given the option to submit a document from the hotel, stating that I am at a XXXX balance, and they can release the authorization hold. 
Its been over a week. I provided them with all the documentation and they are refusing to let the hole go and they started making up stuff about the charges from this hotel. I already received a XXXX dollar refund because I was overcharged by XXXX bucks and I still have not gotten that money back in my account. That proves that they are intentionally holding money. They refused to explain why and theyre being really rude about it. They said at first XXXX days and now theyre saying XXXX days.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

COMPLAINT ALREADY SUBMITTED. # XXXX I NOW HAVE THE INFORMATION FROM MY XXXX LOAN DEPT  AT MY BANK PROOFING THAT TRANSUNION IS CONTINUALLY REPORTING INCORRECT INFORMATION REGARDING THIS MORTAGE LOAN. IF YOU NEED IT TO SETTLE THIS PLEASE LET ME KNOW THE NEXT STEP. IT HAS BEEN 13 DAYS NOW SINCE I FILED WITH YOU XX/XX/20. I UNDERSTAND THAT I SHOULD GET SOME KIND OF NOTIFICATION WITHIN 15 DAYS. THANK YOU AS YOU CAN SEE I AM PRETTY UPSET ABOUT THIS IRRESPONSIBLE REPORTING ON TRANSUNION 'S PART AND THEY ARE DOING NOTHING TO RESOLVE THIS. I HAVE DONE ALL THE LEG WORK FOR THEIR MISTAKES. AND IT'S MY CREDIT REPORT THAT IS SUFFERING. 
TRANSUNION MAKES IT ALMOST IMPOSSIBLE TO CONTACT THEM TO RESOLVE ANY ISSUE. I HAVE ALSO WRITTEN TO THE CEO OF TRANSUNION ABOUT THIS. 
NO RESPONSE XXXX XXXX XXXX. XXXX  XXXX XXXX IL. XXXX XXXX
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I've already filed a complaint regarding this manner multiple times to only get the same response every time. This company has a policy of Right to refund that insures a refund if customer request this. I've spoken with the Attorney at CFPB in which she offered to follow up with me and I contacted various agencies to get my money returned to end up always getting the same response from this company about if the transaction was authorized etc. I need a real Resolution as I've contacted law and financial regulations in Illinois etc. and to no avail. It's really disturbing that I'm constantly getting the same response and policy reviews to resolve this as I reported these transactions were a scam for almost 2 years. I'm willing to escalate this through CFPB enforcement to gain most if not all of my money I was scammed out of. Please have the Attorney recontact me to follow up with this as I emailed her also. I've already disputed this multiple times so cash app has record of the transactions and the cash tag names of the scammers. 
The cash tags who committed fraud are XXXX XXXXXXXX and XXXX XXXX and the total amount of the scam was {$3300.00} that was suppose to be for a room rental that never existed. I don't want to get the same response and results as you can see in my previous records as Cash app has a policy to Right to Refund and I need that enforced once a customer like me files a report for scam. Please have the attorney contact me to enforce our original dispute to finally get this resolved as Cash app is proving to not help me resolve this manner. 
Thanks
Consumer complaint received 2020-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX Appears on my TransUnion and XXXX reports however XXXX removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( Transunion & XXXX ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

All of my Capital one credit cards and bank accounts were closed. The bank gave me no warning or explanation. I called Capital one and was told that they do not have access to the information as to why this has happened. I have no pending legal cases, credit score is good and my taxes are paid. This has caused great concern for me because i do not know what has caused this. This is very scary that a bank would do this with no explanation and leave me without access to my money or credit. I understand a bank can exercise their right to close an account but to not give a customer a warning so they can get ready to be without access to their credit and money is unacceptable. I need to know why this has happened so i can determine if this is even based on accurate information. Please Help!
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 information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX granted myself and my partner, a credit card account in XXXX. In XXXX my partner and I, separated and I closed this account and paid XXXX of the XXXX balance ( continued payments made for the XXXX balance at the time ) XXXX, was advised of the personal circumstances at the time, and agreed to close the account due to previous unauthorized transactions made on the account without my knowledge or authorization. This past XXXX, with a balance of XXXX XXXX, allowed charges, unbeknownst, unauthorized and without my permission. 
I returned to XXXX to inquire about the status of the account they informed me the account wasnt closed, but paused, and recently reactivated. XXXX allowed XXXX more in charges without my knowledge, permission or authority. Once again, they assured me the account is CLOSED and no charges would be allowed. XXXX not only failed to secure my account they allowed charges to continue without following their own guidelines, by NOT validating and failing to confirm with me ANY and ALL transactions made in my name under any circumstances. Any attempts to charge or withdraw monies must be verified by directly contacting me BEFORE any approval is to be granted. All my XXXX accounts have fraud and security alerts in place to avoid fraudulent charges they continue to breach my accounts and fail to properly protect my money. In addition, my credit score has been severely affected and continues to show as a negative against me on my credit report. This account should be completely removed from my credit report, entirely.
Consumer complaint received 2017-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. ( XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, XXXX and Transunion but I never heard any of you. I want my credit report updated and this account removed.
Consumer complaint received 2021-01-31
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: ALLY FINANCIAL INC. (CA)

This account went into default in XX/XX/XXXX ( this is the date of the last payment reported by Ally Financial ) it has been in a closed status for over 7 years. 

As it has been over seven years since any activity with this account. I opened a dispute with XXXX  and XXXX to get the negative information removed. Ally denied to remove the information and then updated the account with a Charge off on XX/XX/XXXX ( The day they received my dispute via the credit bureaus ).
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NH)

BMW auto has report a 30 day late on my credit report. The date of the derogatory was XX/XX/XXXX 2017. This payment was never late as evidenced from the payment history provided by BMW on the attached XX/XX/XXXX & XX/XX/XXXX statements. Payment due on the 6th of each month, both monthly payments paid prior to the 6th.
Consumer complaint received 2017-04-16
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

My XXXX-year-old son and I were reviewing the transactions in his Wells Fargo savings account ( which is linked to my account ), since we were puzzled by the low balance. He insisted that he had not made one of the ATM withdrawals that was shown, although it was the ATM that he usually goes to. I called Wells Fargo, and they said they would look into it. A day or two later, I received the attached email saying that the investigation was complete and that they had " determined that an error did occur. ''
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

XXXX XXXX, XXXX XXXX and XXXX XXXX prohibit me from being able to access my account funds. They assist identity thief XXXX XXXX XXXX XXXX XXXX XXXX with the theft of my identity and account assets. Please see attached email attachments. 



On XX/XX/2021, I deposited a {$460.00} check. The NFCU confiscated the check. 

It communicated to me that the proceeds would be applied to the checking account outstanding balance and the credit card 's outstanding balance. I had previously requested payment arrangements for both accounts. I was informed that because there weren't any payment arrangements on file for the accounts, the deposit could be confiscated and applied to the outstanding balances. The payment arrangement requests were denied because I am XXXX XXXX. My account has been defrauded in over {$30000.00}, in credit and debit card authorizations, by XXXX XXXX, XXXX XXXX, XXXX XXXX and the employees of the XXXX XXXX XXXX of the Navy Federal Credit Union because I am XXXX American. I requested written documentation of both debit and credit card authorizations and were denied this written documentation because I am XXXX American. I was told that I have been permanently restricted from the NFCU because I am XXXX American. I was told that I can't call into the NFCU because I am XXXX American.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Regional Management Corporation (TX)

This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I got a specialized loan from Citizens One to purchase an XXXX through a XXXX XXXX XXXX promotion and it's been a nightmare since day one. I setup online automatic payment through their website as instructed. Put in my checking account information and everything else required to have payments automatically withdrawn monthly. Not only did the automatic payments never go through, but the site itself shows improper amounts owed ( minimum monthly payment, statements show errors on recorded payments, and there's also missing payments I made ) I have only been successful in making payments by calling in by phone and speaking with someone to manually pay with a debit card. Even then I only received a payment confirmation number once. Interestingly, a payment deduction has never shown being withdrawn from my bank account a Citizens One payment the entire duration of the loan so far. Communication between myself and Citizens One has been very sketchy and unclear. They have already harmed my credit by reporting missed payments when I have called in at least every month making payments by phone. Unfortunately, I have no record, or Citizens One, of making more than one or two payments.