davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Automated Accounts Management Services (CA)

XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

AAMS ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2021-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We were with Owen we did a loan modification. Right before owen sold the mortgage they said we missed a payment. We didn't. but we paid the fees. the new bank also said we were late and kept charging us fees. We have paid our mortgage every month but our credit report says we are 30 days late since XXXX. I called my bank and they said we are not late and couldn't explain why our mortgage statement said we had XXXX due by the first. once they looked into it they said that they had sent investigators to see if we had abandoned the house. It makes no sense since we keep making the monthly payment due. and even after paying the extra amount they keep putting more on our bill, our monthly statement always has a large amount due every month. Currently my bill says I owe XXXX by XX/XX/XXXX. Now I cant even refinance my property because my credit report says I haven't paid my mortgage since XXXX.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Just share with you our current situation. We were under " no visa '' status for the last 6 months due to immigration status and pending XXXX. We have not had any incoming source at all. Nobody contacted me before this decision.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Long story short, Cashapp/Square is trying to keep my money. My account was hacked and someone bought bitcoin with my funds and removed money from my account. Cashapp did an investigation which I patiently waited on and after the investigation gave me a one time credit for the money that was taken {$920.00}. I heard the money hit but I could not see it. Then Cashapp told me to create a new account to keep the hackers away from my account and to be able to access my funds from the old account that was refunded. I did all that and now they're telling me they can't place my money from my old account into my new one. I've given every piece of information they asked to prove it's me and that was my account. I've gone as far as take pics of the front and back of my driver 's license. Cashapp 's excuse is that they're protecting my old account by keeping my money. How is keeping my money protecting my account? Sounds more like cashapp is lining their pockets with other peoples money. The Cashapp support is useless, they all saying the same foolishness. I need a supervisor or manager who can get me my money, someone from corporate if need be. Keeping my money is not protecting me none. Times hard out here and I can't just afford to have Cashapp keep my money. I can send proof of my social ending in XXXX and everything to prove I'm me and it was my account that was hacked. I've included a pic of the front and back of my driver 's license. I need my money, I heard the ching sound the app makes when the money was 1st deposited so why I can't get my money is beyond me. I'm not going to stop writing cashapp or someone until I get my money. This is a copy of the letter Cashapp sent me saying they're keeping my money in order to protect me below. 

On Sunday, XX/XX/2021, XXXX XX/XX/XXXXEST, Cash Support XXXX wrote : Hi XXXX , XXXX here with Cash App Support. I'll continue over your case from here. Thank you for letting us know that you need to recover some funds from your previous account. I notice how important this is for you and we are here to give you the best experience and resolve any inquiry. 

XXXX, keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

XXXX, we are constantly looking forward to new and different ways to provide as much support to our users as we can. Your understanding is greatly appreciated in this case. Feel free to reply to this e-mail for further assistance, I'll be happy to help. 

Best regards, XXXX XXXX Cash App Support ref : XXXX : ref
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

On Monday, XX/XX/2019 around XXXX, I was trying to help a friend get XXXX home from work because they were stuck. I had told them I would be willing to help them out by sending {$15.00}. I planned on sending the XXXX dollars through cash app, but I mistakenly ended up sending {$1500.00}. I messaged the person and requested the money back from this person but they only sent me back {$500.00} at XXXX. So I requested {$1000.00} back but they declined my request. I then began texting them requesting for the money back but received no response. I immediately proceeded to contact cash app as well as XXXX, my bank because this has over-drafted my account - {$900.00}. My bank, told me they would give me my money back within 3-5 but theyd have to wait till the payment was done processing to start an investigation and file for a claim.Today, Thursday, XX/XX/2019 I received an email from cash app saying there was nothing they could possibly due because the payment had already been processed and the person had withdrew all the money from their account. As well as my bank emailing me about my claim saying that it has been declined. I went to the police station to file a report but unfortunately there was nothing they could do. I still have bills to pay, food to buy but I am unable to do all of this because my check was already deposited into my account. With this pandemic going on it has made things very hard.
Consumer complaint received 2020-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

This happened on XX/XX/XXXX The merchant told me to make 4 different transactions through Cash App : 1 was for {$55.00} 2 was for {$200.00} 3 was for {$16.00} 4 was for {$100.00} in total of {$370.00}. It was send to the merchant cashapp name $ XXXX. and they told to send the {$55.00} on XXXX. I was supposed to receive the product within 4-5 days but the days went by and i did not receive anything. I requested a refund through cashapp but they declined then i later found out they were a scam and I contacted Cashapp customer service myself but they told me that they could not do anything about it so i decided to contact my bank but they are enable to file third party claims.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (CA)

AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX  XXXX CA ) XXXX Balance : {$310.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$490.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, we made an additional payment of {$1200.00} towards the principal of our BOA mortgage. Due to a BOA system glitch, this amount was double posted and then incorrectly reversed twice, instead of once. Since then, Ive been calling BOA customer service numerous times and the wait was almost 2 hours each time and the need to repeatedly explain the same story. Some reps could easily understand the issue but some couldnt. However, they all needed to create case # to escalate this issue. We had received 4 cases # on the same issue because some of them were closed without any resolution. 

After 3 months of back and forth, this issue was still not revolved by XXXX when we refinanced our mortgage with another bank. In the past two months in XXXX, we even went to our local BOA branch seeking for the managers help. However, BOA mortgage department now claimed they couldnt do anything since our mortgage account has closed. BOA may consider {$1200.00} not a big amount for them, but its critical for me as a retiree especially during the current pandemic. The key issue Im fighting for is our customers right. We desperately need your help to resolve this for us. Thanks.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX, ACCOUNT NUMBER XXXX REPORTING 30 DAYS LATE XX/XX/2020 THIS INFORMATION IS NOT CORRECT. THIS ACCOUNT WAS NEVER LATE
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

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  : Request for Verification/Correction of XXXX Financing Statement on XXXX ReportDear Sir/Madam, I am writing to request verification and correction of a XXXX Financing Statement that should be accurately reflected XXXX the credit report for XXXX XXXX XXXX XXXX. The XXXX Financing Statement was filed on XX/XX/XXXX, with the California XXXX XXXX XXXX under XXXX number XXXX are copies of the relevant XXXX  filings for your review and action, including : The initial lien financing statement filed on XX/XX/XXXX, XXXX collateral filings on XX/XX/XXXX ( File Number : XXXX ) and XX/XX/XXXX ( File Number : XXXX ) XXXX termination filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX add collateral filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX documents outline the security interest covering all applicable collateral, which should be reflected on my credit profile as per the accurate and complete information provided. I request that you verify the filings and update the report to reflect this information accurately.Please confirm the completion of the verification and correction, or notify me if additional information is needed. I look forward to your prompt attention to this matter.Thank you for your cooperation.Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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. (MA)

XXXX - account number : XXXX XXXX XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information
Consumer complaint received 2021-02-24
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: Foreman Financial Inc. (CA)

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$490.00} FOREMAN FINANCIAL INC XXXX Balance : {$7300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern, I would like to appeal the Chase Banks decision dated XX/XX/XXXX ( Chase letter dated XX/XX/XXXX attached here ) regarding a disputed {$200.00} charge initiated on XX/XX/XXXX. 

I was the victim of an XXXX Refund scam and this charge was a part of an effort to defraud me of a total of {$3000.00}, {$2800.00} of which was stolen from my Chase Bank account. 

Immediately after I understood that I was being scammed, I took steps to dispute and reverse the fraudulent charges. I contacted the XXXX XXXX Police Department to file a report ( Crime Report filed to XXXX XXXX Police Department attached here ) as well as Chase Bank and XXXX XXXX. 

I followed up by filing a report with the Consumer Financial Protection Bureau regarding Chase Banks initial response to my effort to get the disputed charges returned to my account. 

The results of these efforts were the same ; XXXX XXXX and Chase Bank both recognized that I was the victim of a scam, that the charges were made under fraudulent circumstances, and that I was entitled to have the charges reversed and the funds stolen from my bank account fully recovered in my favor. 

I dont understand why this one charge is being singled out for recovery from my account. I believe this is an error on Chase Banks part. 

Two things stick out as problematic for Chase Banks claim ( Chase letter dated XX/XX/XXXX attached here ) that the {$200.00} charge reported on XX/XX/XXXX was processed correctly or was authorized. 
1. The fraud report for a string of suspicious transactions was initiated with Chase Bank on XX/XX/XXXX. 
2. The transaction date on the letter is listed as XX/XX/XXXX to XXXX in the amount of {$200.00}. 

The XX/XX/XXXX charge to XXXX was initiated on XX/XX/XXXX. 

What I dont understand is that after I told Chase Bank on XX/XX/XXXX that a charge of {$200.00} to XXXX was made as a part of the XXXX Refund scam I was a victim to, why did Chase Bank still allow the charge to go through on XX/XX/XXXX? 

I dont understand why all the other charges made to my account as a part of this scam reversed in my favor and this one is now, 2 months later, being considered a correctly authorized charge. 

I believe Chase Bank has made an error in its research on this matter and should immediately rescind its decision to remove {$200.00} from my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent dispute letters to all three credit bureaus requesting deletion of inquires on XX/XX/2021 also called XX/XX/2021.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I had a loan with Credit Acceptance for a XXXX XXXX van I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the van. Credit Acceptance never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted Credit Acceptance multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.
Consumer complaint received 2020-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/2020 I sent a payment to a receiver who had changed there cash app name and phone number. After confirming that the payment was never received, I reached out to the support group for cash app. I explained that the receiver has a new cash app name and phone number and also no longer has access to the phone number associated with the old cash app account. I was then advised to have the receiver send a personal email regarding not receiving the payment this was done on XX/XX/2020. The support group associates XXXX and XXXX have emailed me numerous times saying they closed my case and can not provide assistance. I explained that I use the funds to get back and forth to work by using XXXX and because of lost funds I have missed days of pay. Please assist me with me moving to the funds to the receivers active account or refunding the payment back to me. We are aware that the payment was received but it can not be accessed.
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you