davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc. (AZ)

XXXX XXXX XXXX did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from Advance America without my signature again they will not verify
Consumer complaint received 2019-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CA)

On Fri, XX/XX/2019 at XXXX XXXX Square Team XXXX wrote : Hello , We chose to close your account as authorized by our Terms of Service. 

Unfortunately, our decision to deactivate your account is final. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Section VII of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately, we can not provide more details regarding our decision. 

Thank you for your cooperation. 

Square Account Services Team -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : Subject : Your Account is Closed Why was I banned? All I did was make a simple Bitcoin transaction and transfer it to my personal wallet. There is nothing wrong with that.
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I sent my mother T-shirt dollars thru the cash app account. She never received it. On Friday I attempted to resolve the issue with cash app. I called them and they attempted some trouble shooting technique that didnt work and told me that they needed me to transfer XXXX dollars to my cash app account so they could verify my transactions and they would give me the place the funds back into my scoping once they were able to verify the transaction. I refused and he said he would need to gain remote access to my phone through quick support app. That didnt work so he ask me to go and purchase a XXXX dollar XXXX XXXX card an give him the code off the back. He stated once he was able to verify it he would refund the XXXX dollars for the XXXX XXXX  card and the original XXXX dollars. When he came back on the phone he stated the he would not be to verify the transaction with the XXXX dollar XXXX XXXX card and I would need to purchase another card with a XXXX dollars on it. I refused and he said there would be nothing else he could do
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CT)

On XX/XX/2019. My phone was hacked by an 800 phone number XXXX found on XXXX thinking it for XXXX  costumer service when I needed help to cancel a transaction I sent to a friend through XXXX. But unfortunately they hacked my account by taking my name, phone number and the device am using to access XXXX  and {$1200.00} was stolen through XXXX  XXXX. I called XXXX  but XXXX says they can not accept my claim because my phone was used on XX/XX/XXXX to access XXXX  so they have no evidence that I didnt authorized those transactions. I have explain to them several times that I didnt authorized any payment and my phone was hacked because they people ask me what phone am using, and I didnt know anything so I told them the device. But XXXX still dont want to help me trace my money. At this point I know they wont help. They are aware that people are using their app to scam people in the app but they have ignored and dont do anything about it. I need help getting my money back because I didnt authorized any transaction and dont know these people. Thank you.
Consumer complaint received 2019-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

On XXXX I used cash app to transfer an individual {$380.00} for an item I wanted from him. I had conversation with him on the social media XXXX about the item and everything. And one day I got  on XXXX to talk to him again and he blocked me and our conversations were gone. So I filled a dispute through XXXX XXXX and cash app. So filing up on these disputes XXXX XXXX said everything came back good and there were no fraudulent activity. Well there is because I never received my item. And when I try to talk to cash app they tell me to get ahold of XXXX XXXX, but when I get ahold of XXXX   XXXX they tell me to get ahold of cash app ... its a back and forth battle between the 2 companies. Ive been fighting this dispute since XXXX and nothing has been done and Im out {$380.00} because of it. I have the receipt from cash app from the transaction. Cash app has no actual person to talk to which makes this process even harder and will not respond to my emails or social media messages. Also I have a group of people that have been ripped off by this one individual and they have all got their money back, I dont understand why I havent yet. I can get you their info if need be.
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-15
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. (TX)

I have disputed several inaccurate false accounts on my consumer report with Transunion all to no avail. They have failed to conduct any account investigations in an accurate and equitable in accordance with the FCRA. They have continued to ignore my request to have these false accounts deleted from my report. This information does not belong to me and they have failed to legally validate these false accounts they are furnishing on my reports. 

XXXX XXXX XXXX. 
Amount : {$14000.00}. 
Date Opened : XX/XX/XXXX. 

XXXX XXXX XXXX. 
Amount : {$400.00}. 
Date opened : XX/XX/XXXX.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I asked to be kept in the loop with the letters sent on my behalf. I asked Lexington Law Firm to provide me copies of the work done on my behalf as they were unsuccessful with the dispute regarding my account. I wanted to know what I was paying for. I never received documents sent to the Bureaus on my behalf. I inquired I was told. I have the documented conversation via official communications with Lexington below : " You should receive the email within 1-2 business days. You're welcome. Is there anything else I can do for you today? '' - UT XXXX XXXX " I see the request submitted, how ever I do apologize for the miscommunication but the time frame is 3-5 business days via email and standard mail 12-14. '' - PHX XXXX " The request was submitted on XX/XX/XXXX I would keep in an eye on your email you should be receiving soon '' XXXXPHX XXXX `` I do see that you spoke with XXXX on Saturday in which she requested copies of your file by emailed to you. I do apologize that you were given a couple of different time frames. The expected turn around time for your requested files is three to five business days. I would anticipate you should receive an email with your files at the earliest Wednesday, XX/XX/XXXX. '' - UT XXXX I never received the correspondence sent on my behalf that was promised by the many staff of Lexington law firm staff. 

I also requested a cancelation and they did not cancel my account. And they charged me excessive fees and offered me special promotions on the phone which happened to fake. There is a billing problem as well with this company. They tell you lies that they will charge half the price but the next month charge double and do multiple unauthorized charges. 

I asked that my membership be canceled. And they said since they claim that my message was after hours they are unable to do a refund. However my billing date was XX/XX/XXXX and I asked on the XXXX to formally cancel the subscription. The problem here is that they do not have a method of canceling online. You either have to reach them at a specific time or else they charge you. I have reported this to my bank and I will start the process of escalating these unauthorized charges. 

Please CFPB, investigate this Fake / Scam company. They are cheating people with excessive & unauthorized fees, and can't get things done as they promised on the phone. They can't even provide you a copy of the services you requested and lie about it. I would call this fraud.
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-22
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. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (NC)

On XX/XX/2020 the debt collection agency contacted a third party in an effort to collect a debt. I have never provided this persons name or contact information either in relation to the original creditor or this collection agency. They asked her to have me contact them at XXXX. Their attempt to embarrass me into contacting them violates my right to privacy regarding this matter and my right to not communicate by phone with them. 
Additionally, they have regularly changed the amount owed when reporting the debt to credit bureaus, intentionally changing the amount up and down by {$1.00} to change the date of last activity.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I had XXXX since XXXX and was in the hospital on XXXX XXXX until mid XXXX. By the grace of XXXX  I survived. In the mean time, my husband was trying to contact my creditors to let them know. He did not have my SS # or accounts numbers, only my name, DOB which is XXXX and Ph #. XXXX my account ends in XXXX was one of the few creditors that would not even talk to him because he was not authorized on the account. My husband said, they would not even look up an account because he told them he had little info and was not on the account. I finally was able to call XXXX Last Friday XX/XX/20. I spoke with a Supervior after getting the run around that XXXX stopped offer help to COVID impacted people on XX/XX/20. The supervisor understood what occurred and waived two late fees and told me if I pid {$39.00}. He took my payment of {$39.00} by phone! My account still shows {$100.00} past due! I WOULD NOT BE REPORTED AS PAST DUE TO THE CREDIT BUREAUS!!! Well guess what. I get a notice today I was reported as past due!! They need to fix my credit reporting ASAP!!! It is not my fault they would not talk to my husband and give me help on my account when he clearly called before they stopped offering help while I was on XXXX XXXX!!!
Consumer complaint received 2020-11-15
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. (IL)

My XXXX XXXX XXXX is showing a charge off status on my credit report even after I have settled the debt. On XX/XX/2020 I submitted a dispute online to have my account updated to paid as agreed. Instead of updating my account, I received a response saying that my account was verified as accurate. Since I did not get the results that I was asking for, on XX/XX/2020 I called XXXX XXXX  customer service number XXXX and I asked the representative if she could update my account to paid as agreed and she was extremely rude and disrespectful. She told me that she was not able to update my account. After asking her why she gave me a number to call ( XXXX ) an was unable to get through on this number to speak with anyone regarding my account. The representative did not answer any of my questions that I asked. This charge off account is preventing me from purchasing my first home and I can not believe that even after satisfying this debt, I am still being punished on my credit report. Please help!
Consumer complaint received 2023-03-22
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: Resurgent Capital Services L.P. (PA)

my information was used to open an account up using my name with a different address that i have never resided in. According to the report in my credit report the account was opened in XXXX and closed on XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX the balance showing is XXXX. I contacted the original credit grantor of the fradulent account and they confirmed the address used does not belong to me
Consumer complaint received 2020-11-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

Hunter Warfield placed a collection debt on my credit report thus ruining my credit for a charge of {$3800.00}. Concession Charge Back {$720.00}, Insufficient Notice Penalty {$1800.00}, Keys and Locks {$60.00}, Lease Termination Fee XXXX, Move Out Check List Charges {$36.00}, Rent XXXX. My ex wife kicked me out the apartment on XX/XX/2020, I called XXXX the leasing agent on XX/XX/XXXX to inform her what happened, she was so rude on the phone and hung up on me. l informed Hunter Warfield I moved in with my ex wife XXXX XXXX and I did not sign any lease prior to XX/XX/2020. The lease I signed was in XXXX/XX/XX/2020 which did not take effect till XX/XX/2020. l asked XXXX XXXX in XX/XX/2020 to send me a copy of the lease I signed prior to XX/XX/2020, have received nothing as yet. l always paid our rent on the Ist of every month.l don't owe XXXX XXXX XXXX  anything. 
Thanks
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I went to deposit my check on XX/XX/XXXX and they said the funds would be available on the XXXX at the teller window of bank of america. Then I get a email saying they are placing a hold on my check until the XXXX, this is 12 days after I deposited my check. They have received funds from the bank but are not willing to release them for no reason at all. This is pure discrimination.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

ON THIS XXXX ACCOUNT THAT IS ON MY CREDIT, I BEEN DISPUTING THIS WITH THE COMPANY AND WITH THE CREDIT BUREAU THEY HAVE FAILED TO DO A investigation ON THIS ACCOUNT. I AM A VICTIM OF identity theft, I HAVE SENT IN ALL DOCUMENTS TO THESE COMPANY AND THEY ARE MAKING IT HARD FOR ME TO GET A JOB WITH THE FEDERAL GOV BECAUSE OF THIS COLLECTION. 
THE ACCOUNT AMOUNT IS {$1700.00} ACCOUNT NUMBER XXXX
Consumer complaint received 2020-12-24
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. (SC)

Transunion ans XXXX Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC (MS)

I have not received any notification about attempting to collect a debt. I checked my XXXX XXXX on XXXX XXXX and my credit score has dropped over 50 points. It was not on there the previous day. The date beside the collector says XX/XX/2020 and I have heard nothing from the company.
Consumer complaint received 2023-03-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

This is the third complaint I have made to CFPB regarding this issue. 

Citizens has now said that we canceled the modification on two seperate dates. On XX/XX/XXXX a represenative in Loss Mitigation told me that there were notes on my file that I called on XX/XX/XXXX to cancel my modification. XXXX XXXX responding on behalf of Citizens ' to my CFPB Complaint # XXXX, states that bank records indicate I called on XX/XX/XXXX to cancel my modification. Attached is the 'No Oral Agreements ' page of the modification as well as my phone records for XX/XX/XXXX and XX/XX/XXXX. No call was made to Citizens ' or the VA. 

If the VA is communicating to Citizens that they can't use my original paperwork because of the error in numbers signed and accepted by all parties, then Citizens needs to write-off the mistake they made and honor the terms signed by all parties. Had they done this in a timely manner to begin with, all parties could have signed the new numbers and this would have been handled long ago. This is now 13 months of fighting to get this straigtened out. And there are a couple of significant reasons that we are not willing to complete an entirely new package. Number 1 - interest rates are significantly different than they were when this fully executed modification was put into place and we made eight payments as agreed on the modification. Number 2 - our credit score has taken a substantial hit due to Citizens ' errors. 

I received two letters both dated XX/XX/XXXX. One indicates that I have contacted Citizens requesting information regarding Foreclosure Prevention options and that XXXX XXXX would be my one and only contact person at Citizens. The second indicates that Citizens has received my request for Loss Mitigation assistance and my financial package that they are in the process of reviewing. Again, Citizens is contradicating themselves and providing information that is untruthful. At what point does someone take action and make Citizens fix THEIR mistakes without it having a substantial consequence to me.