davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (TN)

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and XXXX notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change XXXX have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXXXXXX XXXX  to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX glitch that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account XXXX  have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I opened a XXXX XXXX account with XXXX on XX/XX/XXXX and enrolled in their XXXX debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Please find the attached document supporting this issue. I had a credit card that ended up with Bank of America in the end, it was with someone originally. This was in XXXX. Fast forward to XXXX, I received a 1099 C 12 years later. I called B of A and they told me that the last payment I made was in XX/XX/XXXX. They also stated tha the file was closed on XX/XX/XXXX. I wrote a letter asking not to amend the 1099 C but to rescind it under the Internal Revenue Bulletin 2016-48 T.D. 9793. That document is attached and from the IRS web site. 
It has the old rules which are that there was a 3 year rule that the 1099 C were to be issued 36 months after the last payment. The new rules which I believe they are using eliminated the 36 month last payment rule in the IRS bulletin. Please see the attached ruling has the old and the new rule. Someone at B of A that sent the letter was not versed in this complicated issue. 
I under the old rules I should have received that 1099 C years ago not 12 years later and the company using new rules. It is hard to be up to date on old rules but this is what my particular situation. I have done my research. Had I got the 1099 C back when I was suppose to I could have excluded this from my income base and the fact the the IRS allows and exclusion based on insolvency. I was at that time.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OR)

In or around XX/XX/XXXX of 2021, I logged into my CashApp account to retrieve a deposit but was told that I'd need to order a Cash Card to continue. I went and placed an order and was met with the message : an unexpected error has occurred. Please try again later. I went ahead and tried again and got the same message. I submitted a contact request the following day, and within 48 hours, they informed me that they could not tell me the exact reason why my Cash Card order could not be placed and that I'd have to wait 14 days.

Last week, I attempted to order my Cash Card again but was met with the same result, so I contacted CashApp support and received the same response. This time, though, I ioffered to provide supporting identification documents because I believe that is what's keeping them from completing the order or disclosing information about why my order couldn't be placed.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Our complaint is with Chase Bank ; we have had our account for 5 years and are in good standing. I deposited a check from XXXX XXXX XXXX XXXX XXXX in our savings account on Friday, XX/XX/2023 and was told the check would be held for 7 business days. XXXX was set up by the Commonwealth of Massachusetts and is governed by the insurance commission of the Commonwealth. We received this check pursuant to a loss after the record freeze that hit the northeast in early XXXX and we sustained over {$100000.00} in damage from 2 bursted pipes. When I questioned why the long hold, they said to call on Monday, XX/XX/2023 to remove the hold. On Monday I called twice and spoke to a representative and a supervisor and was told to call on Tuesday, XX/XX/XXXX because XXXX was closed and they could not verify the item with the maker. This morning I called and spoke to a Supervisor who verified the check as being issued by XXXX and was told by her that the hold would be lifted in approximately 20 minutes. In the afternoon when the hold had not been lifted I called again and was told the request to lift the hold was denied. I asked for a supervisor again. Supervisor said the request had been denied and she had to call XXXX XXXX XXXX XXXX to verify funds had cleared. At XXXX today I was advised by XXXX that the funds had cleared XXXX XXXX  and that she was going to request the hold be lifted and to wait 20 minutes. I called at XXXX and was told it was still in review to wait another 30 minutes. I called at XXXX and was told that the request was denied because they had to verify funds had cleared XXXXXXXX XXXX XXXX XXXX. I advised them that this had been done this morning and asked to speak to a supervisor. This latest supervisor is sending a third email to get the hold removed. In summary, I have spoken to 8 representatives and 3 supervisors and spent over 4 hours on the phone today, mostly on hold, trying to get this resolved without success. The maker of the check has verified issuance and the payor bank has verified funds have cleared. However, {$0.00} have been released from the hold and not even the minimum amount of {$200.00} per Reg CC has been released. As this check is issued by an arm of the Commonwealth of Massachusetts and we are entitled to funds availability within 1 business day, I believe Chase is in violation of Reg CC and is causing me undue harm and distress.
Consumer complaint received 2024-10-23
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: Shellpoint Partners, LLC (OH)

XXXXThis complaint is due to the fact there has been fraud as well as other crimes including my Constitutional Rights ( 1st & 6th ) just to start with. Documents provided are true and accurate to the best of my ability and will show multiple crimes that were committed in my Mortgage Fraud Case and seems to be supported by all involved. Court Case XXXX XXXX XXXX XXXX XXXX XXXXXXXX not only ignored the laws provided only seem to manipulate them to try to steal my property with the help of all involved, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as others as my documents will show. I believe that I am a victim of a on going crime regarding the foreclosure actions that was on property that I own, and believe there was substantial " SECURITIES FRAUD '' fraud as well as other crimes. I have discovered that there was what appears to be a " COUNTERFEIT " ( copy ) of the Mortgage Note presented as proof of claim by a certain group of people, including but not limited to agents of the Mortgage Company. I believe there is a conspiracy to take my property unlawfully through foreclosure using ( COUNTERFEIT SECURITIES ) as evidence and believe there multiple individuals in this crime including those above .I had made demands that the individuals involved provide proof of their claim through the presentation for my inspection of the " ORIGINAL '' documents signed at closing, they refused to do so and instead have only made a " COPY '' of the documents allegedly signed at closing for my inspection, these copies are in fact ( COUNTERFEIT SECURITIES ) as described under 18 U.S.C. -474 and multiple others have been or are currently in possession of multiple copies of said ( COUNTERFEIT SECURITIES ) .I believe the " ORIGINAL " wet ink signature documents ( SECURITIES ) have been bundled and sold for profit and are not able to be produced as required by law and this is fraud that was committed to steal my property through the counterfeiting of ( SECURITIES ) as provided documents will show and this does not meet the requirements under 18 U.S.C.-474 as a ( COPY ) and therefore a ( COUNTERFEIT SECURITIE ) presented as evidence to attempt to defraud me .I also believe that this activity accrued through communications across state lines and falls under " RICO '' statute violations as a result. Accompanying this letter and attachments is much more comprehensive information with substantial legal citations explaining my concerns which seems to not be a isolated situation and I am not by any means the only victim of this kind of fraud. I ask that anyone show me where I was lent anything of value and confirm Documents provided are true and accurate. Thank You XXXX XXXX
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

XX/XX/21 I received a cash app visa prepaid debit card in the mail. It was from Square inc. CashApp XXXX XXXX . I never has a Square or CashApp app account. I have been trying to get this card and Square account cancelled. I believe it is a identity theft problem and I would like them to cancel that account in my name.

Visa would not cancel the card. Cash App asked for info to send them to cancel the card which I sent them. Square said they really couldn't help me.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (OH)

On XX/XX/2021 I received a Cash App debit Visa card in the mail at my address that I did not request. The card and related account were fraudulently opened using my identification. 

I contacted Cash App by phone. They sent an email with a link to share card details. And I responded with the details. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation. 

I further requested what additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's IdentityTheft.gov site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was opened by XXXXXXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. The FDIC replied and said I should make my complaint against Square Inc. ( owner of Cash App ) with the CFPB. To the best of my knowledge, no action was taken by the FDIC against either XXXXXXXX XXXX or Square Inc. for apparent non-compliance with the XXXX and XXXX.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

We purchased our home in XXXX and used a local lender. About 2-3 months after closing, our home loan was sold to Wells Fargo without any notice and Wells Fargo did not provide us with adequate documentation on this transfer. As first time home buyers, we were ignorant to this whole process and we were never really fully informed on all aspects of our loan, escrow, etc. There were years were our escrow was always short by over {$1000.00} and then one year we were sent a huge refund on our escrow. We refinanced with another company in XXXX and since then, Wells Fargo has deactivated our log-in account so I cant access old information. I have tried to call them and keep getting disconnected. I tried to call regarding the Wells Fargo lawsuit to see if we qualified and keep getting disconnected. I would like to know if Wells Fargo took advantage of us as first time home buyers that did not know what to look for when it comes to shady mortgage practices. Thank you!
Consumer complaint received 2023-08-11
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. (FL)

I, XXXX XXXX XXXX, am writin in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address. 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 
The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NJ)

On XXXX XXXX, 2015 XXXX ( PayPal Credit ) made an unauthorized credit history inquiry to EquiFax which negatively impacted my XXXX credit score. I had an established credit line with PayPal credit of over {$5000.00} and and at no time did I use anywhere near that amount. There was no reason for the credit history request.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc. (MD)

Cash App advertised on its XXXX app that if I had my work direct deposit sent to my account with Cash App, that they would give me a {$50.00} credit on my next transaction of {$50.00} or more. I satisfied those terms and made a purchase at XXXX. The transaction was canceled and I was refunded the amount minus the {$50.00} credit. That is fine, but now Cash App wont re-enable the credit for a future transaction, so effectively I was taken advantage of by having funds sent to Cash App and at when the opportunity arose, they kept the promotional credit.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Tona Mortgage, LLC (GA)

We had applied for a mortgage loan with Hometown Equity Mortgage LLC. They were so unprofessional. The lady whos the underwriter was so inexperienced. They were trying to rush the CD out to us and it had no monthly payments, escrow etc. They actually gave us the cd from the attorneys office. They had a few days to work on the file. The lady kept calling my broker asking questions to which she should already know and have paperwork to in the file. She was just being lazy and had a dont care mentality. Even when my broker told her that my XXXX yr old mother XXXX law was misplaced and is moving in with us, they were still dragging their feet. This company was a hot mess. It took XXXX people to try and complete the CD. They were still asking questions to my broker up until the day we went to do the signing. I would not be recommending this company to anyone.
Consumer complaint received 2023-03-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (NV)

On XX/XX/2023 a derogatory account showed up on my credit report from Clark County Collection LLC at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I checked into it and this was no accounts that I had received myself. I contacted the Collection company and was told that it was a payday loan that my wife who I am separated from had received. I had not been notified or served with anything that was saying I owed a debt it just popped up on my credit report. I was not connected to this contract in anyway. They do not have my signature or any documents for me or could not provide a submitted document with an upload of my Nevada Drivers License on it. This means that this company received my SSN # illegally added me to her debt. Spoke with my attorney do to the fair reporting act they are not aloud to post another persons debt on my credit report under the fair reporting act. Also, filed a complaint and spoke with the attorney general who is also concerned how this company obtained my SSN # and other personal information. I have never done any business with dollar loan center or Clark county collection LLC and do not wish to do any business with them. I have never had any accounts with either one of these company 's and do not wish contact from them or there subsidiaries.
Consumer complaint received 2023-08-11
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. (MI)

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.

has violated my rights. Or list of inquiries 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 2023-03-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I believe that Citizens Bank illegally reopened a closed account I previously had with Investors Bank. 

In XX/XX/XXXX, I closed the savings account I had with Investors Bank. The account was jointly held with my husband. In XX/XX/XXXX, I received a " Savings Account Statement '' letter ( see attached ) stating that I had an existing account open with Citizens Bank ( Citizens Bank purchased Investors Bank ) with a {$0.00} account balance. The account seemed to have been opened on XX/XX/XXXX. The last four digits of the account referenced in the letter match the closed account I had with Investors Bank. 

The letter states that fees will be incurred if we do not maintain a minimum balance of {$200.00}. However, a " New Account '' waiver was applied to the account so that such fee would be waived for the first four months. The letter implies that Citizens Bank illegally opened a closed account I had with Investors Bank. 

I called Citizens Bank to rectify the issue and they stated that they did not have an open account for me ; however, they refused to confirm as much in writing, which gives me great concern.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (DC)

I received a letter today ( XX/XX/XXXX ) claiming that I owe {$88.00} for a {$1.00} toll that I allegedly did not pay two years ago ( on XX/XX/XXXX ) in Delaware. First off, the license plate number on the letter is not mine. Second, I don't live in Delaware nor do I travel to Delaware and I have photos on my phone from the date they are claiming I have this unpaid toll which proves that I was not in Delaware, I was Washington , DC, which is where I live. Third, I tried calling the number on the letter to this Law Office and no one picks up, I was on an automated hold 20 minutes and finally hung up. Fourth, I looked up this company ( Linebarger Goggan Blain & Sampson, LLP ) and the first thing that pops up are the XXXX reviews, all one star reviews, and people have similar accounts to my own and asking how this company is still allowed to be in business.