davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

Good day, On XX/XX/2019 at XXXX the company " Cash App '' send me a message stating that a {$500.00} payment to my account was being disputed and that they were removing {$500.00} from my personal checking account. I was not given a warning about the removal or given a chance to protest it or speak on it at all. This was a very troubling moment for me, as I did not know I would be losing {$500.00} with no warning. 

I have emailed their support team several time since the incident, but have gotten no real response. There is a automatically generated message that gets sent to me stating that " Hi XXXX, Thanks for contacting Cash Support. We have received your inquiry and will respond within 24 hours. If you have any further information you'd like to provide you can respond directly to this email. 

Thank you, Cash Support '' There is no number to call to get in touch with a live person to get help, so I am stuck continuously emailing and getting no real response. When I try to follow up with another email they tell me that my case has been closed because they did not hear from me, but I never received an email from them to respond to. Below, I am including the message I have sent to them several times that includes my case number and all of the details associated with my account that are needed to identify myself and the disputed transaction. 

" I have been trying to get help from your team with this issue for over two weeks now. I have received no follow up communication. My case # : XXXX. The transaction described below was refunded from my bank account without warning and I had {$500.00} taken from me from Cash App. I didn't know the transaction was being disputed or that there was any issue at all. This was a very troubling experience for me as i had {$500.00} taken from me without warning. I have emailed several times about this issue, but have not heard anything back. How can this be solved? 



My cashtag : XXXX XXXX XXXX Sender : XXXX XXXX Reciver :  XXXX XXXX Identifier : # XXXX Date : XX/XX/2019 XXXX '' The files I am attaching to this complaint are all of the messages that have been sent between myself and Cash App. I also sent several messages to them through the app, but they do not provide a paper trail for those message so I do not have them.
Consumer complaint received 2021-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.
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 status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Dispute Department : EQUIFAX LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I have mortgage refinance with Quicken loans. I have to provide verified CPA Letter for this year profit and lost. 

I did all the steps. 
I get closuring disclosure letter that the loan will be close in 3 days. the XX/XX/2021 I did email the loan officer to postpone the closing date to XX/XX/2021 and I want to pay my own escrows fees " property taxes and insurance '' They did provide new closing disclosure with no escrow fees and new date XX/XX/2021 Four days later They did ask me again for new P & l statement audited by CPA. 

I did tell theme I will not provide any documents any more They denied my application
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX - 2020 I took a money order received for a truck I'm trying to sale ( I still have the truck ) to navy federal that I bank with. They didn't tell me that I had to sign the back of it ( it's very rear I deal with a check so I really on bankers to tell me what I need to do with the check ) and they made the funds available Tuesday XXXX the XXXX. The money was in my account on Thursday the XXXX. On XX/XX/XXXX I tried to pay my bills and there's no money there so I called the bank and they told me that the check is fictitious. I told them if the check is not real then why did they tell me the check is good and made the funds available and where's my VA XXXX check at. They said that they didn't know at the time I took the check to them the check was not good and because they pulled all the money out they used by VA XXXX check ( {$1800.00} ) to cover some of they debt. I think it took a week and a half for them to tell me that my check is a protected check and they can't legally withhold it from me. So I drew out {$400.00} to pay my bill. About a week later I wanted to pull out {$160.00} and they told me that I'm to far in the debt so I can't access my VA XXXX check. I told them that they told me that it's a protected check and they even told me that they have to make it available to me. They still won't fix the issues they caused and won't release my check.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-29
Product: Credit 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. (MD)

I filed a fraud report on a charge that I did not make. While Citi did attempt to contact me three times regarding signing the attestation that the charge is indeed fraud, I wasnt able to call back. They also sent two emails with the information, but the links expired and I was unable to view/sign what was necessary. When I got a letter saying the charge was deemed to be valid, I called and told the representative that I wanted to appeal the incorrect decision because I did not make the charge. I specifically mentioned that I legally deserved a credit, at the very least temporarily, until the case is actually resolved. I told the representative I didnt want the fraud charge being reported to the credit bureaus as a balance because the charge was incredibly high dollar, and she confirmed it wouldnt be. I got my statement and the balance does reflect the fraudulent charge and my minimum payment was calculated off of the full statement balance. This is an FDCPA violation and if it is not corrected, I will take further steps, including exercising my ability to a private right of action. I did not make this charge and the information provided by the merchant is lacking facts as it suits them in their chargeback attempt. Ask the merchant what the shipping address was, because nothing was shipped to my residence. The information provided by the merchant intentionally leaves out the shipping address and only includes billing address ( which clearly the fraudster had ). I am protected by FDCPA and Citis zero fraud liability policy in the terms and conditions of the card. I expect Citi to recognize its legal obligations in regard to consumer protection regulations.
Consumer complaint received 2021-07-25
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: SYNCHRONY FINANCIAL (MD)

They claim to be Synchrony Bank representing P.C. Richard and Son company. Only the email address is correct ; my name is not XXXX, I do not have a credit card ending the numbers shown, and have not done business with P.C. Richard and Son company. 

Hi XXXX, A total minimum amount of {$370.00} is due on XX/XX/2021 for your P C RICHARD & SON/SYNCHRONY BANK account ending in XXXX. Pay online or give us a call to avoid additional late fees, we want to help. 

Convenient ways to pay : Log in to your account Pay as Guest and skip login to make a quick secure payment Call us and speak to a member of our team If you can not make a payment today please call us. We may be able to assist you. 

Enroll in Autopay to help you avoid late fees and keep your account up to date.

Log in and select Manage Autopay from the Payments Menu to enroll.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late TransUnion LLC Consumer Dispute Center- This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX  XX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late XXXX XXXX XXXX they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX  XXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3XXXX  XXXX I was never late 4. XXXX I was never late
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Saturday. XXXX XXXX I applied online at Capital One website for a credit increase on my Unsecure Visa Credit card as I am eligible for a credit increase as been making on time payments on time since XX/XX/2018 till Present. 
Capital One sent me a decline letter on XXXX XXXX on my credit increase. 
Capital One stated that I was decline because my balance is at XXXX and I only pay {$4000.00} a month I increase my payments to {$100.00} on XXXX XXXX but Capital One will not Approve my credit line increase because of my XXXX XXXXXXXX Status. 

Plus my XXXX XXXX as a XXXX XXXX American .Capital One has decline me on my credit card increase for two years already. 
This is a XXXX and XXXX Issues.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I have a XXXX account with Wells Fargo Bank. 
On XXXX XXXX I had an unauthorized ACH payment for {$23000.00} processed through by business account. Someone used a XXXX XXXX XXXX XXXX  account to perform this transaction.. I finally received a text message from Wells Fargo at XXXX on XXXX XXXX. Some three business days later. All of the standard basic actions have been taken on my part with Wells Fargo. I'm now waiting on XXXX XXXX to finish their investigation and then they will report back to Wells Fargo. ( 60-120 day ) Wells Fargo have yet to explain to me why it took them 72hrs to text me a notification. When ACH payments are processed within 24hrs. 

Thanks, XXXX XXXX
Consumer complaint received 2019-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I am going to pursue legal action I have not received a response to this computer generated message I am trying to access my funds and when I link a new bank card and new bank account it says cant link and contact support. But when I contact support they tell me to link a new bank card and new bank but I assume theres a restriction on my account since its closed I am trying to retrieve my funds and I need my account and routing number linked to the XXXX XXXX account for this Cash App account so I dont continue to have this issue and I can stop ACH payments from coming to this account someone needs to really examine this!!! 

My name is XXXX XXXX Cash tag $ XXXX XXXX
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law offices of Steven Cohen LLC (NY)

I was in my house when XXXX men showed up looking for XXXX XXXX. I told them that was my previous name. They made me sign a document and handed me a garnishmentletter. I was very shocked because I do not oweanyone anything under that name. I came to this country at the end of XXXX with a tourist visa and I was living with my cousin who supported me financially. I overstayed my visa whichwasonly good forXXXX months and I was illegalwith no work documents. I got married in XXXX to a XXXX citizen, and took his last name of XXXX and about 6 months later I obtained my work authorization and social security number and was valid to work so I got employed. All the loans I had were under thename of XXXX XXXX. I could not have had a prior loan because I did not have working paper and no job.To my surpriseI received the garnishmentpaper under the name of XXXX XXXX. Iresponded to the orderof show cause that I do not owe anyone and I do not know the people suing me. To my surprisethe court clerktold me that it was a judgement against me and that I also settled the case. I believe thatthey illegallyobtainthat judgement and are attempting to sue me.I have the right to be in court during the judgement.. I neverreceivedany court documentsand did not settle anything. XXXX XXXX and his lawyer sued me behind myback and I was not aware ofjudgement therefore they got a default judgement against me 19 years ago. I am living in the same apartment 23 years ago. I nevermoved. The court also toldme that someone requestedthecase archive XXXX which was not me. They wait until XXXX to start togarnish me. I contacted my XXXX local XXXX and was given a lawyer which I found out later he was not a debt lawyer when he started telling things that after searching on the web were not accurate. He advised me to settle and get over it. 
I settled a debt for {$2000.00} that I did not even owe.I don't even know these people. When the lawyer responded to my order of show cause it got even very strange with an account number and date that was not true. I requested an archive of the case from the court. I was told it would take time because the debt was XXXX XXXX XXXX. Now I asked for a satisfaction of judgement and my lawyer was not even able to get it from them. XXXX my lawyer stated that they claimed that I paid {$1900.00} I sent him the proof of the XXXX money orders of {$1000.00} each. My lawyer contacted them with the proof and he is still waiting. He provided me with proof of an email he sent to them .Please investigatethese people before they do the same thing to someone else. I believeI was scammed.I have a lot of things going in my life I want to get in the bottom of this
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

OnXX/XX/XXXX I file a complaint with Cash app regarding paying for services I never received and that the receiver of my funds of {$250.00} refused to pay me back my money and refused to complete the service. I sent pictures as well as all other information that was requested by cash app. Cash app requests me to send the information in 2 additional times. The last time I refused and I felt like they were not taking me serious as a customer. My cash app name is $ XXXX my phone number associated with the account is XXXX. The information regarding the receiver XXXX XXXX that they request cash app name is $ XXXX his phone number XXXX the transaction number XXXX. Time and date of transaction -XX/XX/XXXX @ XXXX