davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

I sent my daughter {$200.00} via Cash App because she was stranded in XXXX during COVID-19. Initially, it was flagged as fraud by my bank. The bank said to try it again in 5 minutes. I resent {$200.00} in 5 minutes, and Cash App deducted BOTH payments. However, my daughter never received the payments. I have screen shots of my XXXX account, showing they took both payments out, as well as a screen shot of my daughter 's Cash App transactions, that show she never received it. Cash App does not have a phone number, in fact due to COVID, the only way to contact them is through the investor link. The rep told me she received the money. Then he said to have her contact them. She contacted them, and they told her to have me contact them. They literally took their XXXX page down, so I suspect I am not the only one with this problem.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

My social was used on a business credit card as the primary that was applied for in XX/XX/XXXX According to American Express there was no activity on the card for 9 years. In XX/XX/XXXX a XXXX card was sent by American Express to the owner of the company. The owner activated the card and proceeded to charge more than {$31000.00} too that card. I only found out about the card in XX/XX/XXXX when American Express called me looking for payment. I have no ownership or partnership in this company and have not worked there for the past 9 years. American Express keeps calling me and not the owner of the company who did all the actual charging. I have called American Express several times to get no where. Also if you look at the bill when it came in it has the company name listed XXXX and the my name XXXX as the owner of a company would you not question that?? 
I filed several fraud complaints with American Express and they say they can do nothing about it. Yet i have asked for a copy of the application and they can not provide me with XXXX?
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HAWAIIAN, INC. (HI)

I was the victim of a scam recently, I 've had my account at First Hawaiian Bank for less than a year and I 've never had too much money in it as I am only XXXX and just making my way in life. I was sent a fraudulent check by someone I thought I could trust for {$2600.00} which I deposited into my account via teller. I was instructed to use this money for an employer who would be moving in to my area to get his apartment ready for him and his family. I was told the funds from the check would be immediately available the day after. I withdrew {$2200.00} the next morning and sent it to who I was told was my employers " landlord and agent. '' I became suspicious of him when he became exceedingly demanding and I told him I would n't continue until he arrived, this only enraged him and he threatened to call the authorities on me and said I was trying to take advantage of someone who was deaf. Out of fear I withdrew the rest of the money {$380.00} to be done with it and sent it to the same person. Days later I receive a call from my bank telling me my check had bounced. But I had already sent this guy money! I just do n't understand how the bank can give me a loan, which is what they did, without my knowledge or agreeing! I feel cheated by my bank for not protecting me, not only has this left me with a big debt on my shoulders but it 's emotionally tolling.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I 'm am trying to clean up my credit, during this process I noticed an entry from XXXX XXXX. XXXX bought an old note for a XXXX mortgage on a property that was foreclosure on my a sheriffs writ. It has been over 6 years since the foreclosure and XXXX XXXX nor anyone else has sued me for this mortgage thus the statue of limitations on contracts has expired. The eliminates any right for green tree to try to collect this debt. I do understand that they can keep reporting this on my credit report for 7 years but they are stating the account open and owing 15 thousand dollars. They are reporting it incorrectly. Any major purchase will be denied because they have me owing them money on a second mortgage that was foreclosed on and is no longer mine. this XXXX mortgage was signed for on XXXX and the official deed was transferred via sheriffs writ on XXXX. I have attached a copy of the deed transferee as proof. I have never heard from XXXX XXXX on this mortgage and they have never reported it on my credit report ever until recently XXXX. They have never made any contact with me on this issue until 6 years after foreclosure. I need this taken off or reported correctly as not owing this money. I have also enclosed a copy of the letter to XXXX XXXX which has shown absolutely no response. Lastly I contacted Transunion, XXXX and XXXX to dispute it they now show this entry nor the account number ( both in the letter attached ) is no longer reporting this. My creditor has a copy of my credit report that does show the entry. I have spoken to green tree and they will not report it any other way than open and default of 15 thousand dollars even though they have no legal right to do so.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I called a bank to get information about rates and policies after an offer was accepted on a home that my wife and I were looking at. I liked the rates and costs that were presented to me by the loan officer, but however I was not ready to commit because my home inspection had not yet taken place. The loan officer then offered to get the loan process started and get my rate locked in with the condition that I would be able to cancel without charge if something turned up in the inspection. I agreed and got the process started. The condition that I would not be charged a fee if I canceled due to inspection issues was repeated to me on a recorded line. 

Our inspection took place a few days later and it turned up major issues such as a bad roof on the house and detached garage, high radon levels, old galvanized plumbing, water damage, and possible foundation issues. After a few days of negotiating with the sellers, we walked away from the deal because we were not able to come to a resolution. I called the bank to cancel the loan. I spoke with the loan officer about the need to cancel. He said to email him the inspection report and that everything will be taken care of. He also said that we should call him back when we found another home. I emailed the report as he requested and thought everything would be cleared up. 

A week later I saw a {$450.00} charge on my credit card by the bank. I called the loan officer back and he said he would escalate the issue to management. I emailed him another copy of the inspection as he requested and waited for the charge to be refunded. However, after 10 days no refund showed up. I called the loan officer back and left a voicemail. After a couple days of no response, I called the bank 's general number and requested to be transferred to a manager. I was finally able to speak to a manager who said he would look into things and would try to get the charge removed. He also stated that he would call me back the next day. However, I did not hear back from him, and still have not heard from him at all 1 week later. 

I called the loan officer again after not hearing from the manager. I managed to reach the loan officer. He said he thought it was taken care of and was surprised that the charge was n't cleared up. He said he would have his manager call me back within the hour. No one ever called. 

I emailed my loan officer again today with no response. So I am now filing a complaint to get this issue resolved.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (FL)

On a XXXX XXXX, XXXX XXXX, 2015, I was away XXXX miles away from home. I need to get cash to put gas in my car, but unfortunately my debit card did not work and I tried to use my American Express Optima Card. The card did n't work at the gas station because it has low balance and usually gas stations block {$150.00} in order to use the card. I called American Express and requested to get cash back and a pin ( received the pin ) or extra emergency cash so that I an get home safely and put gas in my car. The American express representative told me that if I tell her the exact address where I was, she will provide emergency cash. I left the car and went to the nearest cafe to ask for exact address and zip code. When I called American Experss back, they refused to provide assistance with even {$20.00} cash. So I had to use strangers ' help in order to get home safely on XXXX XXXX. I am very upset and disappointed in lies of American Express representatives who put me through enormous stress and emotional distress and danger on the road. Yesterday, XXXX XXXX, an American Express rep called me and assured me that he was going to call me today with a possible resolution and he did n't call back. What American Express did was a violation of the Fair Credit Reporting Act - deceiving customers. I had to write a {$200.00} check to strangers to help me to get home, while American Express deceived me and did n't provide promised assistance and this assistance is in the credit card agreement.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXX Account XXXX : XXXX XXXX : {$0.00}
Consumer complaint received 2024-10-01
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. (NY)

This is my last attempt to amicably resolve XXXX continued violation of the Fair Credit Reporting Act regarding their refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation by the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if these UNVERIFIED items listed in my complaint are not deleted immediately. A copy of this, as wel as copies of the 3 written letters sent previously will become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation. Despite these 3 written requests, the unverified items that will be listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that the information is mine and correct. In their results of their investigations, they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA. They by law must promptly delete all information which can not be verified. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (CA)

Within a span of almost two weeks, the subject caller has placed several calls to my cell phone and home phone numbers from various local area codes, even tough the company is located in XXXX, WA. In addition, the company has failed to provide the 5-day notice as required by the Fair Debt Collection Practices Act.
Consumer complaint received 2015-05-27
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midway Resolution Services LLC (CA)

I received a call from XXXX with Midway Resolution LLC ( XXXX ) in XXXX indicating the failure to pay and they were proceeding with necessary court documents. I spoke with XXXX and stated I had no idea of what he was referring to and he claimed it was a debt with XXXX (? ). I explained that I dont know of this company and asked for a verification of the debt. he said he would provide and would send to my email address which they had on file. Never received the verification of debt and no follow up call. In XXXX, I received a call from Midway and I call back explaining my situation. I asked for a Verification of Debt and the person whom I spoke with refused to provide. He started stating that I am just using the verification of debt to file a identity complaint or why do I need the verification of debt if I am saying I dont owe it? Newsflash -- my name is on this account and I want to know what I am subjected to. I hung up after I asked 5 times within the course of the 10 minute conversation for the verification of debt and he wouldnt provide. They called back on XXXX and left a threathening message saying that I have failed to comply and they are taking legal actions against me. The address they have on file is an address where I Havent lived in 5 years and I explained that to them. They also indicated they have sent many letters to the address on file and that the letters were never returned and basically, I had my chance and I blew it. Basically -- they dont want to provide me the Verification of Debt, so until provided, I wont proceed with their wishes.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Subject : Complaint Against Experian for Non-Action on a Credit Dispute Dear Sir or Madam, I am writing to file a formal complaint against Experian for their handling of a recent credit information dispute I submitted. Despite my efforts to correct inaccuracies on my credit report, Experian responded with an email that denied action on my request, citing a lack of direct authorization from me. This response not only disregards my rights under the Fair Credit Reporting Act ( FCRA ) but also prevents me from addressing potential inaccuracies that could affect my financial health adversely. 

Details of the Incident : Email Received : I received an email from Experian on [ insert date of email ], which stated they had received a request regarding my credit information that they believed was not sent directly by me or authorized by me. 
Experian 's Action : As a result, they did not take any action on the dispute I raised. The email directed me to either call a provided phone number or visit their website to submit disputes directly. 
Concern : The email implies a dismissal of my initial dispute without a proper verification process, which is concerning as it directly impacts my ability to correct my credit information efficiently. 
Response Requested : Verification of Submission : I request the CFPB to ensure that Experian verifies whether the dispute was indeed submitted by me and addresses the dispute as required by law. 
Review and Correction : I urge a comprehensive review of the purported inaccuracies on my credit report and ask for corrections as per the findings of a thorough investigation. 
Documentation and Confirmation : I seek written confirmation from Experian detailing the actions taken in response to this incident and the outcomes of any subsequent investigations. 
Ensuring Compliance : I request that the CFPB ensure Experian adheres to the FCRA and other relevant regulations concerning consumer disputes and their rightful processing. 
Enclosed with this letter are copies of the correspondence from Experian, evidence of my initial dispute submission, and other relevant documents supporting my claim. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance in ensuring that my credit information is accurately maintained and that my consumer rights are respected. 

Sincerely,
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I paid off my loan. In full. Received confirmation from the company that I paid off the loan, in full. 
They did not report the payment to the credit bureau. I filed a dispute with Experian. 
After the dispute was " resolved ''. They were still reporting a balance that had not been paid on the loan. So the balance is still on my credit report. 

If I take out a loan, that loan shows up on my credit report in 24 hours.

If I pay the loan off, it takes MONTHS to be reported to the credit bureaus.

This is an abuse of the credit system and an imbalance towards consumers. All financial institutions that report to credit bureaus should be required to report payments just as fast as they report credit usage.
Consumer complaint received 2016-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

My lender falsified information to XXXX which in turn has caused numerous negative items to remain on my credit report that should not be there. Upon completing school i was not able to obtain a job to pay the high monthly balance of the loan that was due immediately upon my graduation. It took me over a year to find a job, and when i did find one it was very low paying to the point where my monthly income was just about equal to my payments due so I still could not pay. Long story short I have never made 1 single payment to my lender. My lender, in order to successfully package and sell/transfer the loan to another party, started reporting that I had begun to make payments to show my account was in good standing, payments I never made. The clock on my loan began in XX/XX/XXXX, but they reported that I made payments in XX/XX/XXXX right before selling/transferring my loan. By law, it takes 7 years for an item to drop off of your credit report but that 7 year clock starts from the LAST PAYMENT MADE. I have never made a single payment so instead of having this drop off in XXXX, I am told it wo n't drop off until XX/XX/XXXX because of the false information they reported stating that I had made 3-4 payments prior to them selling/transferring my loan in XX/XX/XXXX-XX/XX/XXXX. I can not provide proof to XXXX to dispute this because I can not provide proof/check number for a non-existent payment. To add to the problem, since my lender is private and is not required to provide information to XXXX, XXXX can not ask them to provide proof of payment. So they are protected by law in a sense from providing proof that would ultimately incriminate themselves for falsifying records. After many escalations and unsuccessful disputes because of the lenders unwillingness to provide anything I am asking for, I am now following XXXX advice and escalating this issue here to hopefully get some assistance in going after this lender and getting them to remove this negative information that has been hurting my credit score in preventing me from doing things such as buying a house. It should be noted that they eventually sold this debt to a collection agency a few years ago and we came to a settlement, in which I turned around and successfully won in litigation after the settlement due to the collectors unethical business practices.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention Sincerely : XXXX XXXX
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. 

It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!!