davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

The company is called Cash App, did not issue a refund in the form of {$50.00} on XX/XX/2020 at XXXX XXXX. They told many numerous times they would issue me a refund, believe me when I tell you that I am a patient, reasonable and rational person. I was passed along from " Customer Service Representative '' to " Customer Service Representative '' who each told me the exact same thing in that I would receive my refund within 2-5 business days, to date, it has been 11 complete business days. 

Additionally, I filed a dispute with my Bank called XXXX  XXXX XXXX XXXX who told me there is unfortunately nothing to investigate because there was never a payment received to the aforementioned bank 's Accounting Department. I spoke with XXXX XXXX, Branch Manager at XXXX  XXXX XXXX XXXX and I gathered her personal information : XXXX, XXXX which I then passed along to Cash App Customer Service ( otherwise known as XXXX ). Cash App Customer Service appears to be automated at best as they promised documentation following a dispute proving a transaction was made from Cash App as an " EFT '' ( or electronic funds transfer ) to my bank account, instead I was willfully told that my case has been closed without the promised documentation.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (PA)

I have been in USA two times as XXXX student ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXXDuring first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXXSecond trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXXFrom XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about DISCOVER BANK account which was open ( according to XXXX  credit report ) XXXX XXXX, XXXX with a credit limit {$4500.00} and current balance XXXX $ .I have never apply for Discover credit card/never received and never use ANY of Discover Bank credit cards. I physically lived in XXXX-it 's no way for me to used this card. I called Disvover fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.
Consumer complaint received 2019-02-24
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: CITIBANK, N.A. (WA)

There was an error on my credit report at time of this company checking and they lowered my limit from {$3500.00} to $ 520 days after I paid it down to a {$320.00} balance. My credit report has since been fixed but now my points dropped 93 due to this card limit decrease. I paid my debt down to under 10 % in order to get a loan to buy a business. Now after they lowered my limit my score dropped 93 points because of this.
Consumer complaint received 2019-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

Mr Cooper AKA Nationstar is doing some kind of fraud regarding my transfer from XXXX XXXX back in XX/XX/XXXX since then I have had nothing but problems with Mr Cooper.  Mr Cooper is trying to collect {$600.00} in additional taxes claiming I have a shortage on my impound account. So I did some digging to see what was going on with my account. What I found is that they keep saying I owe them money for taxes and insurance which I called my county assessor to see if my taxes went up and nope they did not and I also called my insurance company and got a print out of my policy and nothing changed with them at all. The total amount between taxes and insurance is roughly {$2500.00} which is already incorporated into my current payment now Mr cooper says I now owe {$3100.00} to {$3200.00} yearly and when questioned about the amount  they tried to confuse me which I had my accountant listening to the conversation and he noticed that they were trying to make things up as they went and when questions about the amount nothing added up properly. I also found out that Nationstar had been sued 3 time in 6 months for not divulging critical information and collecting funds it shouldnt be. I have a link to a website that you can look into yourself and you can be the judge of whats going on but it seems Nationstar AKA Mr Cooper is back with the fraud ring they just got sued for but I suspect Im the newest victim to their game they play. To me they are being fraudulent and embezzling money. Please check the link below and youll get more information about my complaint. 



https : XXXX
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (TX)

Loancare took over my loan services from XXXX XXXX and informed me there would be no change to my loan. Within the first month, they have asked me to acquire a higher amount of flood insurance. I have an elevation certificate for the home already and I do not need flood insurance to begin with, and they are not only refusing to take off the requirement but asking me to get more. The home is appraised at {$76000.00} and the remaining value belongs to the land. Land is not something you insure typically for a residential property. I have taken out a policy for flood insurance for the home for {$150000.00}. It is not right for them to require me to get more a higher level of flood insurance than the home is appraised for, they changed the " requirements '' of the loan which I had already satisfied with my current flood policy, of which I have in writing from the company that they will not be doing. They also have increased, within the first month of servicing my loan, my " estimate '' for my escrow. My taxes have not increased and I purchased the house less than 2 months ago so there will have been no other changes. I believe they are trying to take advantage of me and are wanting to add a {$7500.00} flood policy to my escrow account as well as increasing my escrow account for no apparent reason. I have called their " customer support '' who did not know why they were requiring anything more from me and they were supposed to return my call after looking into it, that did not happen.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

My credit card account was suddenly and unexpectedly closed. The company cited my credit score as  the reason why it had closed the account. I've always paid the account on time and did not authorize any credit checks. The company XXXX is located in XXXX XXXX XXXX, Utah and uses the name XXXX XXXX XXXX. This is further part of harassment that I'm being subjugated with while in Arizona.
Consumer complaint received 2019-02-24
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. (MO)

I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MI)

I have reached out to the company and explained to them that I had moved out of residency well over a month until the bill was canceled I also had issues as far as mentally and as well as emotionally with the death of my grandfather and such as well they have record that on the date I moved out I had called to set up a payment plan but evidently not to cancel my bill I have expressed that I have written letter from the landlord stating I had moved out on the XX/XX/XXXX if I have written documentations from the apartment management stating I moved out on the XX/XX/XXXXXX/XX/XXXX2017 they should at least have the decency to retro act the bill for the times I was not living there essentially they are billing me for services that were never used do to the fact I was not living there at least if the company in my opinion and any class and any respect for the customers they would rectified the amount due but they don't want to do it because I supposedly did not cancel for another 1 to 2 months ...
Consumer complaint received 2019-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

I have Received a loan I applied To from Oportun. They have been harassing me and my family in regards to payment. I had Lost my job, my father passed away, my interest went up and it keeps going in even tho Im doing payments, I dont think Its fair that they are harrassimg me and my family when I am Trying to work things out. I am Being threatened that I will Go to jail or that they will sue me. I consider that as being illegal when I am Working with them in paying the loan.
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

On XXXX XXXX, 2020, my son sent me {$40.00} dollars through Cash Appt. This is a appt own by Square Inc. according to the website. I did not know how to get the money so I called the customer service number from the website. I spoke with someone named XXXX. He said he would help me get the money. Once he got into my account he proceeded to take money and send it to someone named XXXX XXXX. I am a senior and I really don't know a lot about this, but I know they took my money. I reported this to my Bank : XXXX XXXX to investigate. They gave me a credit of {$620.00} dollars the amount they had taken until l my dispute was resolve. Last week they sent me a letter saying the company verify the transactions. I don ' t give a care what they said, I am a retired XXXX XXXX  and I don't have {$620.00} dollars to send to anyone. I questioned XXXX XXXX investigation by sending them a letter expressing my disagreement. I haven't heard back from them, so I'm waiting. Your help is needed in stopping these people from continuing to scam people who are simply living from check to check. I tried reaching out to Cash Appt. and they deleted my account and banned me from ever using the appt again. Your help will be greatly appreciated.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENT NEEDED LETTER FROM AN ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5 -- 1002.142 ( B ) ( 7 ) I KINDLY REQUEST THAT YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUISNESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

IM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED COMPANY INFORMATION TRANSUNION. PLEASE DELETE FOLLOWING ACCOUNTS. 

LAST OF SSN- XXXX DATE OF BIRTH XX/XX/year> MY NAME IS XXXX XXXX XXXX ACCOUNTS- XXXX ACCOUNT XXXX XXXX {$6300.00}, XXXX  ACCOUNT # XXXX {$6000.00}, XXXX ACCOUNT # XXXX {$1000.00}, XXXX  XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX {$3100.00}, XXXX XXXX  ACCOUNT # XXXX {$890.00}, XXXX XXXX XXXX {$190.00}, XXXX XXXX ACCOUNT XXXX XXXX {$98.00}, XXXX XXXX  {$1000.00}
Consumer complaint received 2019-02-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cascade Mortgage, Inc. (OK)

On XX/XX/19 I submitted information to Cascadeloans in regards to a pre-qualification letter for a mortgage. 
I was never contacted about the submission of information by Cascadeloans via phone or email. 
The next morning ( XX/XX/19 ), I observed a hard inquiry on my credit report by XXXX via XXXX XXXX XXXX XXXX XXXX, resulting in a XXXX XXXX decline. 
Cascadeloans has been unreachable after email & phone call attempts of contact. 
I DID NOT AUTHORIZE the hard inquiry of my XXXX XXXX by XXXX via Cascadeloans. 
I am requesting this hard inquiry to be removed from my credit reports immediately.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? I will once again list the inquiries in need of investigation : 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX has allowed for these company to report accounts that are not me from victim of both identity theft and XXXX XXXX  victim. Ive disputed this before and they remain. Ive given all documentation for these items to be blocked and removed
Consumer complaint received 2024-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I have used Marcus.com as a XXXX for many years without a problem. All of the sudden I am unable to transfer money from my XXXX account to my linked checking account as I've done hundreds of times before. I have spent many hours on the phone speaking with representatives who have told us the exact same thing every conversation without a resolution. 

There is a mysterious " alert '' on our account and they won't tell us exactly why. I suspect its because my wife, who is a joint owner, does not remember her secret word that was set up years ago. Because of this they can not verify her account. My account has been verified several times. No matter what we try to do to resolve this issue it does not get resolved. The last representative told us that they were going to expedite an identification form and the forms never arrived. They also say that our cell phone numbers don't meet the requirements to receive security codes. There has been obstacle upon obstacle trying to resolved this. We have probably had XXXX or XXXX calls with the representatives, none of which could help us. 

I don't understand why, if me, as the primary owner, has verified my account various times am unable to get my money out. They are holding my money hostage and it has now affected me negatively. I am unable to pay off my credit cards and I am being charged interest upon interest. I also was also unable to pay my quarterly self employment taxes because the money can't be transferred out of my Marcus.com account. I will be charged penalties. Will Marcus.com pay for the interest and penalties I am being charged because of their system? Their archaic verification system has damaging me financially and this has to stop. 

Marcus.com has to be better and not put up so many barriers to people wanting to get their money out, especially if they have been verified. They also have to have an easier way to resolve the " secret word '' issue when it has been forgotten.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : Chapter XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
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. (NC)

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 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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.