davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

I have a HELOC with TD BANK with a XXXX balance and I am trying to close out my loan so that I can complete a refinance on my home. I visited my local branch on XX/XX/XXXX and submitted my Home Equity Line of Credit Closeout Request form as well as my payoff/fee for closing the loan. I was told at the time that the process would take 5-7 business days to complete. I assumed that the bank had everything that they required to close out my loan and I called to check the status of my close out on XXXX ( 5 business days after I submitted the paperwork ). At that time I was told by the representative that I spoke with that my form and payment were not received by corporate until XX/XX/XXXX so the loan would not be closed until XXXX at the latest. 

On XXXX I called the bank and was told that the bank had the information that they needed to close out my loan but that the process was just taking longer then usual. 

I waited until XX/XX/XXXX to call and follow up again on the status of closing out this loan and was told at the time that the bank had only received my payoff and did not receive my closeout request form. I had called them 3 times previous to this and they did not inform me of this until over 2 weeks after I started the process. I followed up by sending a copy of the closeout form that I had submitted through my local branch to an email that was provided to me at the time. The representative told me before ending the call that he would try to get the process expedited for me. 

I then called on XX/XX/XXXX to check on the status of the close out and was told, again, that they had everything they needed to close out my loan and that they would help to expedite the process. 

I called to follow up on XX/XX/XXXX and again asked that they had everything they needed to close out the loan and was told that the latest the loan would be closed out was XX/XX/XXXX. 

On XX/XX/XXXX, when my loan was NOT closed out I went down to my local branch to talk to a manager who told me he was going to escalate the issue and try to get it resolved ASAP. Since then I've just heard that the issue has been escalated but have not found any resolve.

My rate lock is going to expire in 2 weeks and I need this loan closed out so that I can get my final approval. This incompetence my end up costing me hundreds of dollars a month.
Consumer complaint received 2020-12-29
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. (OH)

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NV)

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXXXXXX XXXX XXXX, and Sagestream received my request on XXXX. I have not received my credit reports from XXXX or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX. has never contacted me at all. However, this agency is illegally reporting an alledged account on all 3 of my credit reports, XXXX, XXXX XXXX and Experian. A lawyer has agreed that their not contacting me in advance is a serious violation.

I am willing to go to court and sware under oath that this account does not belong to me and I will file suit stating that I am not liable for this alledged account that had been put on my credit reports without any notice to me.

The lawyer I spoke with told me I could sue for at least {$3000.00} right now minimum not including his legal fees that XXXX XXXX would be liable for. I never had a contract with this firm and I am seeking monetary relief at present due to XXXX XXXX violations. I also demand that XXXX XXXX delete this debt from all 3 of my credit reports immediately.
Consumer complaint received 2020-12-29
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. (PA)

I disputed items on my XXXX, XXXX, and TransUnion credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.
Consumer complaint received 2020-12-28
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)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

On XX/XX/XXXX Cash app.com sent {$800.00} from my account to XXXX XXXX XXXX. I was told by Cash App that I had authorized this transfer to take place, but I knew nothing about it and do not have an account at XXXX XXXX. Cash app has no telephone to reach them at so all communication has been by email. Each time i received a response from them there was a different person investigating this matter, So far there have been nine employees who were supposed to be investigating this matter but none have succeeded in accomplishing anything. I called XXXX XXXX to find out whose account the money was sent to but because of privacy matters they could not give me the name. I requested Cash app to show me documentation giving them authority to send my money to XXXX XXXX, but they refused to do that. Of course they could not because I never authorized it and do not have an account there. Can you please help me. That was all the money I have. 

Cash App is www.email XXXX  The case number at Cash App is : XXXX. 
my Visa number XXXX XXXX XXXX XXXX cvv XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX XXXX XXXX
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

I purchased a pair of XXXX sandals for XXXX from XXXX on XX/XX/2020. I haven't received my money back or sandals. Now I waited 30 days and I was texting her and she stop responding. So I contacted my bank and I received a temporary refund from my back and then they took back.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MS)

My identity was stolen on XX/XX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my cashapp to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my cashapp and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, XXXX, Cashapp and filed complaint with all 3 credit bureaus. XXXX and Cashapp basically said that the transaction wasnt in error even though I sent them all the information from the case. When XXXX tried to get the money back from Cashapp thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NM)

On XX/XX/XXXX I accepted my first card payment with square for the amount of XXXX. I performed XXXX XXXX  on a customers XXXX/XXXX  XXXX. Square froze my account and refuses to give me the money or close the account. Despite no flags or disputes from my customer or his bank square refuses to give the money over and it remain the only transaction on the account. They still deny me a reason or the funds for up to six months. I have provided every number and Id they requested. Still nothing.
Consumer complaint received 2020-12-27
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: Santander Consumer USA Holdings Inc. (AL)

Santander consumer Usa is under litigation. Nationwide class action lawsuit /settlement numerous of inaccuracies reporting Dates, Amounts, & actions to address the issue by me to the company and through the credit bureaus are attached.
Consumer complaint received 2020-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

This company never responded to a Letter of Demand in regards to a Class Action Settlement against Santander Consumer USA Inc. They are trying to repossess my car during a pandemic and when they have agreed to forgive consumers loans and present them with the title for giving us predatory subprime auto loans. I have filed complaints with multiple agencies and they have not responded to me. When they finally did respond in my last complaint they outright lied that they never received my letter of demand and it has been over 2 months since I sent that. There response is that they can not tell me my " internal customer number '' which is how they determined my interest rate that is insurmountable for an ordinary person with ordinary wages. They never verified my income and gave me an outlandish interest rate that has put me in default 3 different times over the last 2 years I have been in the loan. This class action lawsuit that they settled out of court for {$550.00} XXXX was suppose to remedy this ridiculous and predatory loan. They were expecting me to default because the amount has left me unable to eat, pay rent, or other necessities. On top of this they have negatively reported on my credit many times this year ( during a worldwide pandemic ). I am 99 % certain I am eligible for the settlement remedy which includes forgiving the remainder of my loan, relinquishing the title to the car, and removal of negative credit ratings from the company as they have done multiple times in one month ( I will add documents for proof of my claims ). Thats the difference between me and this company, I have the burden of proof that they have taken advantage of me as a consumer and they need to do what is right as I am intending to sue them for damages if they repossess this car that is not theirs anymore according to the settlement agreement. I don't believe that you all closed my case without them presenting any proof of their claims whereas I have provided proof and my comprehensive explanation. They are a scam company that takes advantage of consumers and then wants to take away their cars whenever they can't pay because they created an impossible interest rate and ridiculous terms.
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I ( XXXX ) sent XXXX dollars ( {$75.00} ) to my friend ( XXXX ) on Monday XX/XX/2020. I have sent 11 emails back and forth trying to get it resolved. I have followed all of their suggestions but it turns into a loop of unhelpful support. 

They said if I provided proof that my friend ( XXXX ) can not access the account then they could refund me. When i provided proof, they said they are unable to help and that i need to request a refund ( I had already requested a refund, thats how the emails started ). I told them i already requested a refund and they told me they are unable to help. 

She has not had access to this account, therefore has not accepted the funds and can not be considered a completed payment. Per section 7 of their Terms and Service Agreement " P2P Payments not claimed by a Recipient for fifteen ( 15 ) days after the processing has begun will be canceled automatically. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Transaction Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law. '' They have not confirmed the funds will be returned to me after 15 days and I've asked multiple times. Nor have they provided any solution using other reasonable means to return my payment to me, as permitted by applicable law She has also given them permission to move the funds ( to her active account or back to me ). Per Section 8 of their Terms and Service Agreement " If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you hereby authorize us to move funds from the applicable Eligible Transaction Account or Eligible Credit Account in an amount equal to the P2P Payment. '' But they wont do anything to help. My money is in limbo and its just a matter of not being scammed at this point. i HATE this company and will not do business with them ever again. 

Ive attached both mine ( XXXX ) and my friends ( XXXX ) email conversations with support.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

I have a CashApp account. It is connected to my XXXX banking account. Prior to XX/XX/XXXX, I regularly transferred money from my CashApp account to my XXXX account XXXX XXXX XXXX via their 2-day transfer option, without paying any fees. 

In XX/XX/XXXX, I started running into problems using XXXX to transfer money out of my CashApp account. I have made 7 attempts to XXXX. Of the 7, only 1 was successful. The 1 successful attempt occurred when I opted for an instant transfer and paid the associated processing fee. Every attempt to complete a 2-day transfer has been returned to me with a note that the transfer was denied by XXXX. However, this is the same XXXX who apparently accepted an instant Cashout with no trouble. 

The XXXX attempts are below : 1 ) Unsuccessful - {$1700.00} via 2-day on XXXX 2 ) Unsuccessful - {$1700.00} via 2-day on XXXX 3 ) Successful - {$1.00} via instant on XXXX 4 ) Unsuccessful - {$1600.00} via 2-day on XXXX 5 ) Unsuccessful - {$1.00} via 2-day on XXXX 6 ) Unsuccessful - {$10.00} via 2-day on XXXX 7 ) Unsuccessful - {$1600.00} via 2-day on XXXX -- > This was cancelled by CashApp representative XXXX XXXX in response to my request for assistance in getting my XXXX  successfully completed. 

I contacted XXXX on XXXX. They checked my account and assured me there is nothing blocking my incoming transfer. I have attempted to contact CashApp on XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They only have email support available, there is no one I can speak to. Additionally, they have not been helpful. They have actually gone through and rejected my XXXX requests or given me the steps to submit one although they can see the submitted ( and denied XXXX request right in the queue.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-12-28
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. (CA)

My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

Today XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.
Consumer complaint received 2020-12-27
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. (TX)

UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY.XX/XX/XXXX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF A XX/XX/XXXX XX/XX/XXXX ACCOUNT I OWE ANYTHING TO REPORTING BY XXXX XXXX.