davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

This is in re : Cash App My email : XXXX Date : XX/XX/2020 Cash App name is : $ XXXX  This happened to me XXXX XXXX and money was sent to me by another person who is my client who uses me for XXXX XXXX XXXX XXXX. She normally sends {$80.00} to me every week for over 9 months todate. Her name is XXXX XXXX whom sent me money that I never received. XXXX sent {$80.00} twice to my assigned name and I never received neither to my account with Cash App. 
It seems to me Cash App needs to have someone answer their phones but does not have a person to do this. For whatever the reason I dont know why this is not a part of being in business, but this is a very detailed part of being a trusted and trustworthy company to be found and to get a real person on the phone to help you with any amount of money that may be in question. Cant see how they got licensed without the protocols of handling customers money with a live person to answer phones. We live in a sad world today with many loopholes and modern technology but folks still dont use their brains on common sense areas. 
If someone can please get back with me in this respect in getting my money back. 
And if you may need to contact me in anyway possible, please dont hesitate to call me at XXXX. 
I would appreciate to see things worked out and if possible changes could be implemented in a seemingly good business that started out good but somewhere down the line someone possibly had a better idea of stealing from the company for themselves from their clients. 
Thanking you very much in these regards. XXXX XXXX XXXX, customer to Cash App.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family XXXX year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP (NJ)

The Condo association I manage has a bank account with Valley National Bank. I am listed as sole signatory on account. My name is XXXX XXXX 
On XX/XX/2019 a fraudulent check was written in the amount of {$5500.00} to someone named XXXX XXXX and SIGNED by XXXX XXXX and the check was never flagged nor was I notified. I only realized there was fraud by looking at the generated paper account statement and by that point in time weeks had passed. 
By the time I notified the bank I was told the 30 day allowance to recover fraud monies had expired and they were not bound to cover the loss to the account. 
I believe there should be some culpability by Valley National Bank for allowing a check to be cashed by an individual whose name and signature was NOT listed on the account. And for not notifying me of said activity.
Consumer complaint received 2019-08-13
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. (FL)

I applied for a XXXX/XXXX credit card and was shown a TransUnion score of XXXX. I accepted, but then checked with TransUnion directly and my score was XXXX! I was deceived and given a high APR and low credit limit using inaccurate information.
Consumer complaint received 2019-08-14
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: TRANSWORLD SYSTEMS INC (GA)

In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
Consumer complaint received 2019-08-13
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. (OH)

I just received feed back from TransUnion of the complaint that i had on XX/XX/XXXX that stated my affidavit was not excepted when it was notarized and also had a police report attached to it the accounts the came back on my report where already previously deleted and i have proof of that. Trans Union never sent me a reinsertion letter telling me that these accounts will be put back on my report after they where already deleted on XX/XX/XXXX i was told by a transunion representative that they don't control what someone else puts on my report they just have to dispute it as it comes and i simply asked the lady why do they have to investigate something that was already closed out and deleted she told me i would need to speak with the creditor about that. From my understanding transunion is not doing there part by reporting 100 % accurate information and not taking proper legal documentation seriously a notarized affidavit and police report are legal instruments that can be used in the court of law but they are saying they where not accepted. So now i have to wait an additional 45 days for accounts that where already deleted off my account to be deleted again and the representative also told me that it does not matter if the accounts were fraudulent and that i sent in paper work showing proof they still would have to file another dispute and i would have to wait an additional 45 days.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (DC)

I called Chase Bank to close out a credit card account. When the phone agent was talking about next steps, he said that my account is closed against new purchases and he advised that I call any merchants with reoccuring charges so that I do n't miss payments. That was all good. Then he said that there may be some merchants that have an authorization code who could charge my card in the future. I explained that I wanted my account completely closed, and that any charges should be rejected. They said that it was closed, but still there is this potential that a merchant can charge against it and I would be liable based upon my agreement with the merchant. I was quite surprised that Chase/VISA would get involved with a XXXX party agreement. I said that I wanted my account closed like a bank account and that any charges presented against the account would be rejected. They said that was not possible. That it was highly unlikely, but a possibility that there is some agreement that would allow future authorizations against this card. And that MAYBE in a few months with a XXXX balance, closed account and no charges they would purge this from their systems. This is crazy-talk. 

So, my complaint is that I should be able to CLOSE a credit card account and have it be closed, like a bank account and that the credit card company should not stop me from severing my relationship with them. I 'm just not that into them anymore.
Consumer complaint received 2019-08-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

In XXXX a unlawful detainer was filed in a XXXX XXXX court house. On about XX/XX/XXXX i went to court and an agreement between me and the landlord was settled. I was to forfeit the property by XX/XX/XXXX in which i did. There was a judgement for landlord in the amount of {$880.00}. The stipulations were me to move out before XX/XX/XXXX and owe the judgement of {$880.00} and pursuant code 1786.18 ( A ) ( 4 ) was in order. In XX/XX/XXXX. Fidelity credit services a debt collector added this to my credit report in the amount of {$1600.00} and a negative report. I tried to talk to them but was told just to pay the judgement then they will remove from my credit report but if i dont pay it will be on my credit till XX/XX/XXXX.
Consumer complaint received 2019-08-13
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. (MA)

I was able to get the public record on my transunion credit report removed because they lied about who was the data furnisher, now I called them and told them that I wanted to dispute the accounts that were included in the public record because the public record isnt present any longer, first I spoke to some female who after I spent 40 minutes on the phone with giving her all the account names and account numbers, she tells me that their system is having an error and that she couldnt help me so she decided to transfer me to another guy who started telling me that there is a statue of limitation for these accounts. I know the law and I know what the FCRA says about credit reporting, everything on my credit report needs to be reported accurate 100 %, there cant be any errors on my credit report, I want these accounts removed from my credit report because there is no bankruptcy on my credit report any longer and they are being reported inaccurate. How is it possible that after I gave this female all of the information, she tells me that there is an error with their system, I will do my best to get this problem resolved even if I have to file suit against transunion for defamation of character. I feel upset at the fact that this company needs to lie just because they dont want to delete information from my credit report, even when they know that the information is being reported inaccurate. I will also contact the attorney generals office where I live, me as the consumer have a right to dispute inaccurate information and the FCRA allows me to do so. Delete the following accounts immediately. 

XXXX  XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX  XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXXXXXX - Account Number XXXX XXXX - Account Number XXXX XXXX   XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Opened XX/XX/XXXXXXXX XXXX - Account Number XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (OH)

Ive spoken with these credit card company directly several times.I ddi send letters, call them from my cell phone & Ive contact the store whom gives out the card, Ive sent them several emails through the credit card account.Ive personally had communication with the store regarding this. I was a Victim of Domestic Violence which turned into a Horrific Public Corruption Casewithin a Courtroom. I was threatened if I didn't back off in my case that these county govt Officials within the Courtroom would hurt me financially in anyway they could if I didn't back off. I've had my medical records tampered with & destroyed.Checking account tampered with, not receiving my mail, & social security number compromised.Ive been threaten & yelled at by the credit card representatives.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGE XXXX XXXX XXXX
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I signed up to view my free credit score after being denied for the XXXX XXXX. I checked my online banking app today,XX/XX/XXXX, and saw I was charged {$21.00} for a subscription I never signed up for. I filled out the information they asked me to fill out for my free yearly credit report and a few days later I have been charged.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AK)

Back in 2003 I was attempting to apply for an auto loan and I was working at the City of XXXX at the time, the only odd company I divulged my personal information out to was XXXX XXXX shop and I found out that their main office is located out in Florida. After this happened I was denied an auto loan from the local banks. I started receiving past due bills from stores I have never heard of XXXX, we do not have a XXXX in Alaska. Stores with this type of names were unknown to me, and other bills that had a billing location of address out in Florida, I reside in Alaska. 

The only other encounter that I ever had was when I had co-signed a loan with a family member, and I will never do that again, because they had given the car to their other in-laws and the payments went into default so this happened for a few months, I immediately went to the bank and paid 3 months of back due loan payments for something that was not never in my possession, so I gave that approximately $ XXXX {$2000.00} out for free?!!? 

It has been well over 25 years now and I had records of clearing this with Federal Bureau of Investigations ( FBI ) way before this website was developed. I had to file a police report ( s ) either with the FBI or local Florida police and kept telling them the address ( es ) because this person who stole my identity was moving and relocating and continuing to destroy my credit history. 

I was told that anything beyond 7 years is cleared history of financial downfalls by the bank industry. Correct me if I am wrong, but this is what was told to me. I have re-established all of the credit history and have had problems and been overcoming them all.
Consumer complaint received 2018-08-29
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. (AZ)

The following XXXX XXXX XXXX credit card account/Card : XXXX through the XXXX XXXX XXXX  is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year> - AMOUNT {$180.00}
Consumer complaint received 2019-08-13
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. (CA)

I am writing to ask for help in a dispute over the Citi Thank Your Preferred Card. I was charged approximately {$72.00} in XX/XX/XXXX for an XXXX on a card that was never activated. The card charged on XXXX 's end had different digits than the card I had originally saved 4 years ago ( and had expired XX/XX/XXXX ). The new card was charged but never activated on Citi 's end. 

The new card was never activated nor used. But somehow, XXXX updated the payment method and populated it with the new card information including a new expiration date, even though it wasnt active. I spoke with the XXXX team and they said that when they charged a card, they have to get a confirmation from the credit card company that the card is indeed active before they charge can proceed. What I dont understand is how they were able to charge a card that was never activated. When Ive tried to book XXXX or another service with an expired or inactive cards, I will get an error. But XXXX charge went through. I didnt realize this until XXXX of XXXX. Since I no longer used the Citi card, I wasnt receiving statements or bills to inform me of the charge. As a result, I didnt learn about the charge until XXXX, by which time multiple late fees were charged to that original {$72.00} charge. It is now over {$260.00} and has gone to collections, which has negatively affected my credit. Ive never missed a credit card payment and my credit score was 700+. But I am afraid that this incident has seriously dinged by credit score in the interim.
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I had filed a report in XXXX XXXX, NY for the theft of my car. 

In XX/XX/XXXX I visited the police station to find out about the situation since I had not heard anything about the car. I was told it was found a week later from the initial date in XXXX, CT where I paid the {$1700.00} storage fee. The car was in the same condition minus a broken radio screen That same day I called TD Bank to inquire about surrendering the car due to having moved closer to the city and no longer relied on a vehicle. 

I explained my situation and was given this number. XXXX XXXX XXXX I 've had other representatives leave emails, I personally left dozens of voicemails with my contact info. I 've called from XX/XX/XXXX to XX/XX/XXXX numerous times throughout the week at different hours to no prevail. Not ONCE has anyone ever picked up the line! 

If i call and talk to a representative, they end up forwarding me to a different department that ends up going to voicemail. 

I cant continue playing in this run around!
Consumer complaint received 2019-08-13
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. (MO)

The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}
Consumer complaint received 2016-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

When a Chapter XXXX Bankruptcy was filed in 2008, the student loans were in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in payments were made. Upon beginning a repayment plan after bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in student loans due and owing. No where in any student loan payment ( as far as I can see ) does it show the principle balances of {$15000.00}, {$6200.00} and {$3300.00} was applied to my student loan debt. I have opened a case with the obudsman group but they are also having difficulty finding what payments were applied and where. I can via my bankruptcy paperwork show the principal amounts that were paid and listed above. 
Navient does not answer emails, etc and I can not afford a {$600.00} a month student loan payment. Please advise.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (SC)

In XX/XX/2016, I had XXXX XXXX and the apartment complex still charged me for the termination fees. I never got notice of this debt through the mail from the original company or the collection agency. I did not know this was a debt until I saw it on my credit report. I do not owe this money because I should have been protected under the servicemembers ' relief act AND the collecting agency never attempted to contact me to verify the amount accuracy ( amount is wrong ) and never tried to collect. They just closed the account. I contacted the three bureaus and they sent me a letter stating the account was " valid '' but could not verify the amount ( again, which is wrong ). I don't even have a statement or a bill from this company. 
I need this removed because this is negatively affecting my job and my livelihood.