davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

I mailed a check ( # XXXX ) for Earthquake Insurance in the amount of {$1300.00} back in XXXX of XXXX. The Insurance Company ( XXXX XXXX ) informed me that my policy lapsed because they did not receive my check. However, when I called Citibank to confirm the check, it had been deposited and cashed by a unknown third party and the funds taken from my account. I informed the bank of the issue, received a photo copy of the check confirming it had been cashed, and I submitted an affidavit to the bank informing them that my check was illegally cashed by someone else. I even had the insurance company write a letter informing them that they did not receive the payment back in XXXX. Nothing was altered on the check, it was made out to the correct company, but there were two ( 2 ) illegible signatures on the back of the check when it was deposited. The insurance company informed me that whenever they would submit a check, there would be a company stamp included on the back of the check, and not the personal signatures. I have been following with Citibank since XXXX of XXXX  trying to address this issue. I have spoken with multiple people in the fraud department, however I can never speak with the case manager. Citibank keeps informing me that my case has been denied. I've tried appealing on several occasions and each time I am informed my case has been denied again. I've even gone so far to address this issue with one of the personal bankers at Citibank at XXXX XXXX of the XXXX location in XXXX XXXX. He tried to help as well, but without any luck. I'm happy to send the affidavit, letter from the insurance compnay, etc., should you require. However, as this has been going on since XXXX of XXXX, I am hoping you can assist. Thank you.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IA)

Hi! We recently bought our home and our mortgage was bought by a company named Shellpoint Financial. We had them for roughly a month before we got notice that they were being bought out or our mortgage was being bought by a company called NewRez. We started this process back in XXXX or XXXX of XXXX. I just want to set up automatic payments and keep our military power of attorney form on file. Unfortunately neither one of these has happened. I have turned in by mail, phone and e-mail numerous copies of both the automatic payment form and the power of attorney form. The mortgage is in my husbands name and they sometime want to speak to him to verify and other times will talk to me. This has incurred a late payment EVERY month that we have had this company. And every month I have to call to make my payment and am told that a supervisor can help or whatever excuse Im getting with that phone call. I dont have the time or energy to call and complain to a company every month about paying my bill. Even the app doesnt work, to try to even look at my account. My husband is in the military and will be getting XXXX soon, and not being able to work with a company to get a resolution is absolutely absurd.
Consumer complaint received 2023-05-01
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-01
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: CL Holdings LLC (AL)

Jefferson capital system put old information on my credit report to XXXX, I already dispute not my account on XXXX, and XXXX, they removed it from both, and I did not dispute XXXX now it showing up as of today on my XXXX report, this has cost a lot of things to change on my credit cards, also loans, drop my credit limit, this has been going on every six months, the information deleted, 6 months later it back on there, Im hurt and my credit means a lot to me, I pay my bills, if this was my bill, I would not have a problem paying, it at my credit report, never been late never missed a payment, they have no right to do this, they keep selling the debt back and forth, please get in touch with XXXX, I did dispute it today, it just showed up on my credit report on today, thank you, I feel I my right has been used against me please get in touch with XXXX, like you all ready did with the other the credit bureau Thanks XXXX XXXX
Consumer complaint received 2023-05-01
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XX/XX/2023 letters were sent out to the bureaus to correct inaccuracies on my credit report. Incorrect names, addresses, phone numbers and employers were listed and I asked for the removal and deletion of these items. There were also unknown inquires listed that I do Not have an account for and are unaware of who requested these inquires without my written consent. I want all these inquires deleted as stated in my FTC report.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid 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. (OR)

XXXX XXXX  appears to be a fraudulent company doing business via Square ( XXXX XXXX XXXX XXXX CA ). I have received multiple ( XXXX ) recurring payments to my credit card for a bogus subscription I did not authorize and have not been in receipt of services. I have disputed charges and been reissued new account numbers/credit cards XXXX times by my financial institution ; however, XXXXXXXX XXXX continues to assess charges to my account. I contacted Square directly and they declined to open a claim/investigate the company. I have searched for details regarding XXXX XXXX and no company details can be found on the internet. The address on the square receipt is a home address, according to XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX The most recent fraudulent transactions are as follows : ( XXXX ) XXXX XXXX XXXX XXXX$120.00} XX/XX/2021 at XXXX PM # XXXX XXXX code : XXXX ( XXXX ) XXXX XXXX XXXX {$120.00} XX/XX/2021 at XXXX PM # XXXX Auth code : XXXX Please investigate and advise of the outcome.
Consumer complaint received 2015-08-29
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: Cash Time Title Loans, Inc. (AZ)

i pay {$36.00} every 2 weeks for a {$300.00} title loan. Last month i called them and asked them to make the due date on my pay days instead of the opposite. they said its ok and i even made an extra payment to put it ahead. NOW they say i was late on a payment so the interest rate changes to around % 800 for the remainder of the loan. I made a couple payments and noticed my balance after paying them {$210.00} in payments, my balance was {$260.00}. they said its going to be {$280.00} next week after another {$36.00} payment. They said because i was late the balance will continue to go up after making {$72.00} payments per month. 800 % interest? really?
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

On XXXX I asked cashapp to remove any phone number that wasnt my own from my account. In the process the removed and blocked my number also so I am not able to gain access to my account with literally all of my money in it. My car payment is late now and Im fearing my kids XXXX will be in jeopardy. No one will resolve the situation, I have verified my identity and verified that the account is mine but still continue to be told I cant gain access. They had me open a new account and stated they would transfer my funds to my new account but have yet to do so. I requested my account be closed all together and just mail me my remaining funds, or send my direct deposit and other sources of incomes back to my employer. No one will help me and no one will tell me what process I need to go through to get this resolved. It has been ongoing for almost a week now and is so devastating.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (AZ)

Sometime before XX/XX/XXXX, Cash app closed my account but I was never informed of this until I needed and attempted to use the app to send my friend some money. They say I've violated the terms but I hardly use the app and they are obviously mistaken. My entire history over the last year comprises of 5 transactions : My friend payed me back for a loan I gave him, I cashed out that payment to my bank account, then I've sent money 3 times to friends using my linked debit card. It's not possible I've violated and terms and Cash app has never specifically informed me what terms were violated. I sent a message to Customer Support on XX/XX/XXXX requesting further information, I sent followups several times since then and there is still no resolution, yet I'm assured each time that my case has been " escalated '' and their " team is working to resolve '' the issue. It's completely unheard of for something like this to take this long to resolve.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc. (NM)

I opened a cash app account XXXX. I used it very little. I made the once in a while transfer to my friends and family without any problems I loaded my cash app card with money at numerous stores. I have problems in New Mexico with federal agents illegally logging into my bank accounts and changing my passwords having banks hold my deposits or force transactions. I have had many problems with many other bank accounts and prepaid cards.I lost my cash app card and two weeks ago I requested a new one. I received it and activated it without a problem. I went to XXXX XXXX yesterday XXXX XXXX to load {$500.00} onto my cash app card to be able to pay my bills. When I got to the register to load the card the store phone rang and then my cell phone rang with a spam call the clerk slid my card and told me the card issuer denied it. I couldnt understand why being nothing was Wrong with my card or the activation process. I thanked the clerk for trying and immediately messaged cash app. The advocate told me that all he seen was two {$30.00} transactions that were declined by my bank. I told him I was not talking about those charges because someone stole my card information which lead the bank to cancel my card as I was awaiting a new one. I attempted to go to 6 different stores and load my cash app card as I have bills that are due my car insurance being the most important. Every single store even XXXX told me that I couldnt load my card. I then knew that federal agents had everything to do with the problem and that the ringing of the phone at the store was to get my card number and purposely deny me of loading my cash app card to pay my bills. The same thing happened to my XXXX prepaid card. I then got very angry because my car insurance is set to expire on XX/XX/2021 at midnight when I messaged cash app again they sent me a message saying currently Youre not able to load YOUR CARD at a store. Why would I be the only person unable to physically load my cash app card? Thats unfair business practices Ive done nothing illegal with my cash app or to cash app. Why they would only apply this to me is beyond me. They then proceeded to lie to me and tell me that in my state loading of cash app cards is not available. When I have loaded numerous cash app cards in New Mexico. I recently changed my social security Direct deposit to come to my cash app account because XXXX was participating with federal agents to do the same thing that now cash app is participating with federal agents to do which is unfair business practices and violations of my constitutional rights. Federal Agents didnt have a warrant that prevents me from using our loading my cash app card so why cash app complied is unknown.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2017 US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 

1. The following account was never late XXXX XXXX  ( Opened XXXX XXXX, XXXX, XXXX {$170.00} ). Please correct/update this inaccurate information on my credit report. 

2. The following account was never late XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX {$260.00} ). Please correct/update this inaccurate information on my credit report. 

3. The following account was never late XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ). Please correct/update this inaccurate information on my credit report. 

4. The following account was never late XXXX XXXX XXXX  XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ). Please correct/update this inaccurate information on my credit report. 

5. The following account is not mine XXXXXXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report.
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

I had lost my wallet with my cash app card in it in XXXX. since then I have tried at least 3 times to get a replacement card. Each time cash app support asks me to wait two weeks and each time I waited the two weeks. In the meantime I have debts to pay and my paycheck was directly deposited in Cash app. I had no way to withdraw any of my money. I repeatedly discussed other ways of withdrawing money like a XXXX XXXX  card. Support said that it would work. when I tried I was told Cash App doesnt support that bank. I just need them to actually mail me a replacement card. Anyway, thanks for listening. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio, XXXX. My email is : XXXX XXXX
Consumer complaint received 2021-11-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

My name is XXXX XXXX XXXX months ago, I set up a small business and used square to process payment. 

XXXX decided to put my funds on hold and promised to allow me to withdraw it after 90 days being XX/XX/XXXX. 

However, on XX/XX/XXXX, square sent me an email saying that they have decided to hold my funds for an additional 60 days. 

However, today I checked my square balance which was about {$2300.00} to see if it's still there but I noticed square has taken over my funds as my balance is XXXX. 

I need my funds and the access to withdraw my funds from square without any other delay. 

I've waited enough The email address associated with my square account is XXXX XXXX