davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VT)

We have a mortgage through NewRez and they require us to escrow our taxes and insurance. They have wrong tax information, have not responded to notice of error message and documentation that we have sent, and have not paid our, now overdue, property taxes. I called on XX/XX/XXXX and explained the situation to several representatives and sent the following message to the email address that was provided to me. 

To Whom It May Concern, This letter is in regards to a property tax error. Our property taxes are due tomorrow, XX/XX/XXXX, in the amount of XXXX. However when I checked with the town treasurer she said that the taxes have not been paid yet. I called and spoke with several NewRez customer service people and they said that my account shows my taxes are not due until the XXXX of XXXX in the amount of {$2600.00}. So both the payment due date and amounts are incorrect. Please see the attached tax bill. 

Please pay this bill ASAP. The customer service rep also said that any monetary penalties, which there will be some because it will be late, will be paid by NewRez and not out of my escrow account. Please confirm that this is correct. 

I would also like written confirmation that you have received this notice of tax error and that the taxes have been paid. In addition, please correct the date and amount of tax due for the month of XX/XX/XXXX. 

Our loan number is ____________ Property Address ____________ Thank you and I'm looking forward to hearing back, _____________ As of yesterday, XX/XX/XXXX we had not heard back from NewRez, nor have our property taxes been paid. So we called again, waited for over an hour to speak to a represented, and were told they have a record of my previous call and email They said the issue was under investigation. The representative wouldn't give me his name for reference, only said the conversation was recorded if it needed to be referenced. No number or code to document the call on our end and only would give the loan service email address that I sent my previous email to. 

In addition, when I log into their webpage I only get a blank page and can not see my account information. I brought this concern up during the first phone conversation and the representative assured me that she could see my account information and that I should able to see it - but I can't! 

At this point there are no real answers or resolution and my taxes are not paid. We have always paid our mortgage on time and this is not acceptable from NewRez. We have spent hours dealing with this concern and it is something we shouldn't have to even think about - isn't that the whole point of an escrow?! NewRez is in violation of their contractual duty.

Please help us get this resolved ASAP! 

Thank You.
Consumer complaint received 2020-10-28
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. (TX)

SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT REPORT.
Consumer complaint received 2020-06-25
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. (GA)

On XX/XX/XXXX. I received a letter from XXXX to dispute the denial of an apartment due to Experian Credit Bureau placing a freeze on my credit. I did not give Experian permission to freeze my credit nor did I request to freeze my credit. 
I am an Authorized user on my mother 's XXXX XXXX credit card since around XX/XX/XXXX. Since receiving that credit card XXXX   and XXXX Credit Bureaus both report the status of that credit card every 30 days since XXXX. Experian refuse to report the XXXX XXXX credit card and also refuse to report a credit score to my credit report. I have been denied a mortgage twice this year because of " Not enough Credit '' Experian does not report any score. I have spoke with Experian 's customer service and Dispute department every 2-3 weeks since XX/XX/XXXX. Experian stated that XXXX XXXX need to file a " Reinsertion Form and send to Experian. XXXX XXXX states they have never heard of such form. I have been going back and forth since XX/XX/XXXX. My XXXX XXXX Credit card is in very good standing and I want it reported. I was also told by Experian that I needed to get a membership to have easier access. Experian deduct XXXX every month from the same credit card they seem to not have knowledge that it exist. This problem is a huge negative impact on my life.
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MS)

I owed the Original Credit which was XXXX XXXX XXXX  and after they charged the debt off they sold it to LVNV Funding who is a debt buyer in XX/XX/2016. LVNV Funding hired a collector by the name of XXXX XXXX XXXX to try and collect the debt. XXXX XXXX XXXX sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

This is my second complaint After the first response i recieved last month i have received an additional 2 cards in my name with different accounts attached to them. This happened while all of my information was frozen thus proving that cash.app doesn't use any conventional ways of identity verification before issuing cards and accounts. The response i recieved last month was that I'd be removed from the system and blacklisted. That didn't happen so this complaint is two parts 1. I didn't solicit this service the first time early XX/XX/XXXX, second time mid XX/XX/XXXX, third time or fourth time early XX/XX/XXXX ( over a month after my original complaint was addressed ). 2. My information was not blacklisted as previously stated.
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jacob Law Group, PLLC (MS)

I owed the Original Credit which was XXXX XXXX XXXX  and after they charged the debt off they sold it to XXXX XXXX who is a debt buyer in XX/XX/2016. XXXX XXXX hired a collector by the name of Jacob Law Group to try and collect the debt. Jacob Law Group sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NV)

I use Square Inc for CC processing at my businesses. They suspended the deposits to my account with no reason. They are holding {$4700.00} from my cc processing. They will not speak to me on the phone because I do not have a customer code nor will they provide me with one. I E-mail them multiple times a day and receive no response. When they have responding they send broken links. This has been going on since XX/XX/2019. I am new business and with them holding that money it caused me to take out a family loan to pay my rent at my business. This is causing me financial hardship. There is no communication or reason as to why the suspend my deposits. There was no warning either. Ive read thousands of other complaints with them and they do this to a lot of small businesses. I just want to get my deposits. I reported the to the XXXX  already and the have another {$3500.00} from my other business they did the same to. This company offers no way to comminicate with them other then email and they never respond. I have emailed more then 100 times. They are stealing money with no response and it seems to be a common problem.
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I have never had the CashApp or any Square Apps products or services. I have never given them my information or transferred nor received money from these services. 
On XX/XX/2019 my debit account with XXXX XXXX  was charged {$400.00} to CashApp with my name in the subject line of the withdrawal details. I have alerted my bank to the fraud and reached out all ways possible to CashApp and Square.

CashApp does not offer customer service to none members and Square has told me to contact CashApp. I want to make sure there is not an account in my name being used fraudulently. 
Thank you.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Block, Inc. (TX)

I was unknowingly a victim of a scam on XX/XX/XXXX of this year through Cash App. Some guy named XXXX XXXX removed all of my money out of my account to buy bitcoins without my permission. I had a total of {$53.00} on my card and he left me with {$0.00}. Ive been contacting the cash app team so that I can get my money back. And its been extremely frustrating. They locked my account on Thursday due to unusual activity and I have find in the account that I can not use. This guy was supposed to be reactivating my old card because I found it after I requested a replacement. And he took my money without my permission instead. And he later called me from several numbers to make fun of what he did. And he also told me to download a XXXX XXXX to freeze my phone while he removed my money without my permission. I really do hope you guys can help get my money back, because I really need it back.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I AM SO FURIOUS WITH XXXX AND CHASE CREDIT CARD. XXXX XXXX  CLOSED MY ACCOUNT WITHOUT EVEN ME BEING ABLE TO USE THE CREDIT CARD, DUE TO A " BUSINESS DECISION '' THAT WAS MADE BECAUSE THEY WERE NOT ABLE TO VERIFY MY IDENTITY. I GAVE THEM ALL NECESSARY DOCUMENTS INCLUDING MY TAXES, DRIVER LICENSE, AND SOCIAL SECURITY CARD. NOT ONLY DID THE CLOSURE OF THE ACCOUNT HURT MY CREDIT, IT PUT MY OTHER CREDIT CARDS IN DANGER AND CHASE ALSO CLOSED MY CREDIT CARD. MY CHASE CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. i HAVE PAID OVER XXXX $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER. I AM DISAPPOINTED IN BOTH CREDIT CARD ACCOUNTS. XXXX DIDNT EVEN GIVE ME A CHANCE TO USE MY CARD CLOSED IT DUE TO VERIFICATION, WHEN THEY HAD ALL NECESSARY INFORMATION TO PROVE THAT I AM THE PERSON APPLYING FOR THE CREDIT CARD WITH A VALID DRIVER LICENSE, SOCIAL SECURITY CARD AND THE IRS VERIFICATION 4506 FORM.
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I have used Cash App for a long time without issue. When I receive a payment, I press to have payment instantly deposited. I pay s small fee and it instantly loads to my debit card. This debit card is connected to my bank account. They will not allow you to use a debit card without inputting your bank account associated to the debit card. My payment for XXXX I proceeded as usual. I never received the funds. It stated it went to a bank account I wasn't familiar with. In email only, because they don't take calls, they refunded the fee of XXXX for not being instant payment. Now they claim it went to an account I haven't used in years. As I stated above a consumer can't use a debit card with this app without an associated bank account. Someone there just took the money. I don't enjoy being stolen from. I really needed those funds for rent. Now I am having to pay a late fee and getting filed against. I haven't used the account they state in years. It's not associated with my cash app. It just suddenly appeared. And your deposit only gets routed to your account if you don't choose the instantly deposit option to avoid the fee. I never chose that option, and they refunded me the instantly deposit fee of XXXX for the error.
Consumer complaint received 2020-10-28
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MS)

Lexis Nexis is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and XXXX  and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the LEXIS NEXIS are any other credit reporting agency. i would like to know your method of verification on how you verified this information.
Consumer complaint received 2020-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/2020 I ordered new set of chairs from XXXX XXXX store. Upon delivery I discovered that chairs were not new and they were damaged. I have called the XXXX XXXX the same day and they told me I can return it to them and they provided me with the XXXX return labels. the product was sent back to them the next day, I have delivery confirmation, but they never credited my account back. i tried to contact them few times, but never got anything besides being transferred all the times and then get disconnected.

so i opened a dispute with my credit card company Capital One and explaine them the situation and provided with the proof of return of the merchandise but they never used these documentation when they contacted the XXXX XXXX and closed the case after XXXX XXXX stated that transaction was valid and they never received the product back
Consumer complaint received 2019-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I have had several CashApp transaction where I have not received the transferred money in my account. All three transactions were instant cash outs. I have reached out to CashApp several times. I have only gotten one response where they offered to refund the fee for the instant cash out for one transaction, {$30.00}. There has been no action that I am aware of to put the missing money in my account. The transaction details are below. 

XX/XX/19 {$200.00} XX/XX/19 {$1500.00} XX/XX/19 {$500.00} Total of {$2200.00} Customer service with CashApp is nonexistent. I need a speedy resolution as I am on a fixed income and I am now in jeopardy of losing my home. I feel that I have done everything that I can do to resolve this on my own.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$7000.00}
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NC)

I am complaining because there are many violations to my consumer rights that XXXX is committing. Account information : Opened : XX/XX/XXXX, High balance {$190.00}, original creditor : XXXX XXXX XXXX. I am demanding Sequium to cease and desist from all collection activity pertaining to this account. 

These are my reasons : - The account has been re-aged. 
-They have failed to provide debt validation letter sent on XX/XX/XXXX. 
- They have ignored my requests and have also failed to investigate. 
- They are reporting discrepancies across bureaus. 

All this have make my score to drop month by month. I have not ben able to obtain loan due to this. All I am asking is the item to be removed as a compensation for all the damages that they have caused to my credit and personal life. 

Thank you.
Consumer complaint received 2020-10-12
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. (NY)

I sent 3 letters to the credit bureaus : XXXX, Transunion and XXXX  bur they don't update the informations on my credit report, and don't remove things that I already paid.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

1. XX/XX/2020 Deposited {$250.00} check electronically to Capital One 360 savings account.

2. Early XX/XX/XXXXNoted that the check did not show up in the list of transactions, so attempted to re-deposit electronically and got the message that it had already been deposited.

3. Early XX/XX/XXXXCalled Capital One to describe the problem and they said they would research the problem and get back to me. 
4. About XX/XX/XXXX After not hearing back from Capital One for 2 weeks, called Capital One to describe the problem again and they said to send the check with the account number where it was to be deposited on the back. I did so immediately. 
5. XX/XX/XXXX Check was deposited at the Branch Office then the Branch Office made a Transaction Adjustment removing the deposit. 
6. XX/XX/XXXX Received a letter stating, We discovered your deposit to account ending in xxxx didnt match the amount listed on the original receipt. Youll see an adjustment of {$250.00} reflected in your account transaction history and on your statement. 
7. XX/XX/XXXX Called Capital One to describe the problem again and was told that they would look into it and get back to me. 
8. XX/XX/XXXX Called Capital One again to ask for a status update. After 25 minutes on the phone they said that they were still looking into it and would get back to me. 
9. XX/XX/XXXX Called Capital One again to ask for a status update. They said that the adjustment team wasnt working on the weekend and that I could call back during the week and the adjustment team could process. 
10. XX/XX/XXXX Called Capital One again and spoke with XXXX, but I had to leave the call due to another meeting. 
11. XX/XX/XXXX Called Capital One again and spoke with XXXX. She said perhaps we had deposited the check into another account and I should triple check with the primary account holder. I did so. He does not have any other account that he deposits checks into. 
12. XX/XX/XXXX Called Capital One again and spoke with XXXX. He said that he put in a request to the adjustments team to re-deposit the check to our account and it may take up to 3 business days to show up on his account. Well, it never did. 
13. XX/XX/XXXX Called and spoke with XXXX. I said this was the last time I was calling on this issue. He again asked if the primary account holder had deposited the check to a different account. I said no. He said that he was escalating it to a higher level and someone would be calling me back. Really? Nobody has EVER called me back.
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On or around the XX/XX/XXXX of XX/XX/2019, I recieved a card in the mail with name and info attached. On the XX/XX/XXXX i told square /cash.app of the mistake that was made using my identity. An account was made in my name and address. After numerous messages via XXXX to their verified account i finally recieved an email on XX/XX/XXXX saying they needed even more personal information. They were not using any form of credentials when asking for my information. They don't have a phone number or way to contact them outside of social media. This facilitates a gap in banking where they're allowing XXXX   to use my identity and sell them my data without being held accountable.