davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/XXXX, my card suddenly stopped working due to unusual activity. I accepted it because I recently joined an XXXX XXXX XXXX and have been placing multiple orders. The people in the group also noted their banks have done the same. I simply reached out To Cash Apps support team via the app and let them know that the card was being used by me and to please unlock the account. On XX/XX/XXXX, I tried to send the balance to my account and kept getting the Cashout failed error. However l, the cashout I did on XX/XX/XXXX was successfully deposited into my account that evening. My boyfriends birthday was the next and I wanted to send him some cash and found that i was still able to send money from my bank account just not My Cash App balance. I also began to follow them on XXXX  and saw that I was not the only one with problems accessing the funds on Cash App. On XX/XX/XXXX, I Sent a few messages on XXXX asking them to please look into my account. No response was given. On XX/XX/XXXX, I received an email stating my name on the account did not match my unemployment deposits. I knew that couldn't be right and I sent in the documents asked for the same day. My name did in fact match my deposits. Later that evening I saw on XXXX that someone else received the same exact email word for word and upon further investigation there were dozens of others receiving that email. I also received more deposits to my account form Unemployment ( backpay ) and they successfully were deposit however, I have no access to the funds. I reached out again over the next few days to Cash app via the app, on XXXX  in XXXX  as well as their direct messages. Cash app does not have live support and is hard to get ahold of. It seems they are sending out automated messages to their clients and not actually addressing the issue. As of Today XX/XX/XXXX, I have {$1900.00} in the account and can not access it. Another deposit should be scheduled soon and there will be more money I can not touch. I have bills to pay and can not send the funds to my linked bank account but Cash app will gladly allow me to add. This is unacceptable as we are in the middle of a pandemic and funds are desperately needed. They advertised using their direct deposit but have however made it difficult for those who decided to use it.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I called IQ Data first XX/XX/XXXX, XX/XX/XXXX and then XX/XX/2019 and left a voicemail each time. This was after I received a letter from XXXX XXXX XXXX XXXX XXXX that I owed a debt. I also reached out to XXXX XXXX XXXX XXXX to resolve the issue prior to contact with IQ Data International. Upon calling IQ Data International these three times I did not receive a call back until XX/XX/XXXX when the bill was sent to collections and reflected on my credit. Upon this call I received a response of derogatory language and refusal to handle or look at my dispute information. The only way you would look at my dispute information for which I had previously mailed was if I would give you my credit card as a placeholder. IQ Data said they would give me an email address for a supervisor to send my dispute information to. I gave my card to get the email. I sent the info immediately. The next morning the charge was made to my credit card. I immediately called my bank to let them know I did not authorize the charge and explained what had occurred on the phone with IQ Data. On XX/XX/XXXX I again talked with IQ Data after they received notification from my bank that I had not authorized the charge, they said they would charge me for bank fraud, make sure I would never rent again and my credit would be ruined. I asked to speak to a supervisor who then raised his voice at me and said that they would not review any of my dispute information and they would indeed take me to court, sue me and make sure I am brought up on charges. I said there is not justification for this as I did not authorize the payment they kept saying they had the call recorded. I said okay, great then a judge can review it and hear I was blackmailed into giving a card in order to get a email to send dispute information for my file to be reviewed. I have submitted 2 complaints with the XXXX and a review of the business to try to resolve this and they are to no longer contact me after this last interaction. I have sent dozens of emails with the dispute information to them showing the debt false. These emails include the DV information, ledger, laws, photos upon my move out etc.
Consumer complaint received 2022-05-02
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: BARCLAYS BANK DELAWARE (TX)

On XXXX I submitted complaint number XXXX. I stated that in accordance with federal law Transactions and Experience are to be excluded from the consumer report in accordance with Federal Law 15 USC 1681a ( 2 ). I NEVER mentioned anything being reported as " inaccurately '' only what the law says should be EXCLUDED. In addition, the terms and condition mentions that they may report to the credit reporting agencies my experience with them BUT DOES NOT clearly states that I should be given the option to have my personal nonpublic information NOT SHARED with any nonaffiliated third party. This is a VIOLATION of 15 USC 6802 and furthermore their terms and conditions DO NOT give an explanation as to how I may exercise my nondisclosure right. Barclays also mentioned that the account is being reported as " charged off settled ''. in accordance with IRS publication 4681, charge off are considered to be " canceled debt '' which are to be included as " INCOME ''. Income can not be reported on the consumer report as it is a violation of privacy AND discloses specific nonpublic account information. This violates both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. These are not my laws nor my rules but those established by congress. Ignoring them is places you CIVILLY LIABLE and is considered willful negligence and noncompliance for which congress says the consumer is to be compensated {$1000.00} for each violation in addition to ANY ACTUAL DAMAGES sustained by the consumer ( which are significant ).
Consumer complaint received 2020-05-18
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. (FL)

The following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX The following inquiries were not authorized : See attached letter
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (TX)

On XX/XX/XXXX, I received a call from Monterey Financial Services, LLC., in regards to an account with XXXX XXXX. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XXXX of XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XXXX and XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

I am reluctantly submitting this complaint after making a good-faith effort to resolve this issue. We refinanced our mortgage in XXXX, XXXX. The loan was subsequently sold to an investor ( XXXX XXXX XXXX XXXX ) and Shellpoint Mortgage Servicing became the servicer on the loan. We are required under the terms of the mortgage to escrow for taxes and insurance. That is where I have run into trouble with Shellpoint. 

Our annual homeowner 's policy premium of {$7200.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I was startled to learn from my insurance company, XXXX XXXX, that they had not received payment. Since then, I have called Shellpoint on the following dates asking that they resolve this : XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. With the exception of the first call when I was reassured the check had been mailed but there were mail or processing delays, on each call I was reassured that they would reach out to XXXX XXXX and straighten this problem out. Notably, on XXXX I was told the most recently-mailed check would be cancelled, and a new one sent immediately. Presumably, this would have been received by now, but now on XX/XX/XXXX XXXX XXXX says it has not. I do not know what the difficulty is, or where this is going wrong. 

In the meantime, I also found an email address online, XXXX, and emailed it on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I know this is a working email address because each email received an autoreply that my message has been received and follow-up will be pending. These emails have been ignored. 

XXXX XXXX, with whom I've had this policy for three years without problems until Shellpoint became my mortgage servicer, tells me that they have attempted to get Shellpoint to send them payment multiple times. XXXX XXXX has has now given up on Shellpoint and is billing me directly. As of XX/XX/XXXX, my policy is severely overdue for payment and a cancellation notice will likely be sent out in the near future. 

I have tried to be understanding. These are strange times. Perhaps the initial check got lost in the mail. However, it is inexcusable that after seven weeks, despite constant calls and emails from both me and XXXX XXXX, my escrow company has failed to execute its fiduciary duty to pay my insurance bill on my behalf. My spouse is a XXXX XXXX XXXX  and we are at risk of contracting COVID-19. What if we were sick and incapacitated and unable to keep hounding Shellpoint to make this payment, and the insurance on the roof over our head lapsed? 

I have had four mortgages in 15 years and never once had to think about, or get involved in in any way, my escrow accounts. Shellpoint has failed to make the very first payment due now that they are newly my servicer. I respectfully ask that the government step in and help ensure that this problem gets resolved expeditiously, as I have lost confidence in Shellpoint.
Consumer complaint received 2022-07-05
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: Bull City Financial Solutions, Inc (TN)

In XX/XX/2021, I visitied XXXX  and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to Bull City Financial. 

Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology. 

I have tried to have the erroneous credit entry removed with success, except for my engagement with XXXX. 

XXXX refuses to engage with Bull City Financial and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with Bull City Financial and removed the erroneous entries, XXXX takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with XXXX are : XXXX, XXXX, XXXX, and XXXX. 

Before contacting the credit reporting agencies, I contacted Bull City directly. Bull City declined to remove the erroneous entries. Bull City may be contacted at : https : //www.bullcityfinancial.com/, ( XXXX ) XXXX. 

The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services ( please note that all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services needed to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of XXXX  who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts could not be removed. They are willfully supporting criminals who are stealing identity information to obtain goods and services causing ordinary people like myself to be held responsible. Equifax has violated my rights and federal law with their unscrupulous business practices.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

I used Citi Visa ( branded COSTCO ) to make a deposit on a XXXX XXXX ( # XXXX sailing XX/XX/XXXX voyage XXXX ). I made this deposit using Citi Visa credit card on XX/XX/XXXX. 
Cruise was cancelled XX/XX/XXXX due to the current Corona crisis. XXXX stated they would refund. Eventually. 
Citi has now stated that my charged deposit was too old and they were out of the time period for Federal Protections for consumers. I should handle it myself. Nice attitude by Citi. 
I have again contacted the XXXX line but get a recording only. Overwhelmed etc per recording. 
Citi has the charge card commission money and XXXX has my money. 
I am the only one holding the bag.
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX {$100.00} N/A XXXX {$86.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX N/A XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XX/XX/XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-24
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. (TX)

XXXX XXXX XXXX  should not be reporting a collection/chargoff in the amount of {$12000.00} to XXXX ; Experian and XXXX on the XXXX XXXX CRED partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX XXXX XXXX XXXX partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-07-05
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. (NY)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXXXXXX XXXX Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wellsfargo proceeded with a temporary deposit RETURN- removal on my account in regards to a scam. 
This is what happened, I had agreed with the seller on two orders of XXXX gloves. Totaling XXXX gloves. However, instead, seller sent a total of XXXX gloves. Seller sent XXXX gloves for each order, totaling XXXX gloves.Seller did not sent the XXXX that were agreed on both orders. 

I submitted proof that the seller sent wrong quantity. I proceeded with a return. The items were packaged and shipped as instructed and APPROVED by the seller and shipped. I have attached proof of conversation with seller in regard to return instruction agreement. 

Now, wellsfargo a bank I been with for almost 8 years have sided with a scammer and charged me two disputed transactions of {$900.00} each Totalling {$1800.00} charged on my account from a temporary deposit RETURN
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FMS Inc. (ID)

Collection account has been paid in full on XXXX/XXXX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.