davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Cash App should be XXXX XXXX. 

This app is a money eater. Transactions declined with no explanation. Can't add a payment method to withdraw balance with no explanation. Can't cash out my balance to an EXISTING payment method with no explanation. No error message telling me my account has been flagged and what to do about it -- it's just that the money goes in and then they cut off all ways of getting it out. 

This company has NO PHONE SUPPORT, so the best you can do is send an email and pray to XXXX a human gets back to you. I have {$150.00} tied up in Cash App right now and it's ALL THE MONEY I HAVE IN THE WORLD. This is the worst financial company on the planet. When I entrust a company with my money and they stop me from spending it, I GET XXXX!
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (TN)

I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.
Consumer complaint received 2020-11-03
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: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2020, Consumer Adjustment Company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Consumer Adjustment Company did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Consumer Adjustment Company has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I accurately completed all information on XXXX, and requested a report through equifax. Equifax refused to furnish my credit report thereafter, in violation of my rights to access my report for free.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I have been using Citibank with no issues, until now. I decided to make payments to pay down my balance via my savings account a month ago. They still have not credited the amounts and I am getting no help from customer representatives, other than mixed answers. Some sound they are literally making up responses that are not valid. Such as they havent received the funds from my bank, yet my bank shows theyve posted. Next was for security reasons I have to wait until the XXXX, until the XXXX, up to 30 days, so on since they are going through a security process for using a new account to pay. Continuously given the run around. Its just ridiculous and some payments theyve taken out twice. Im told my account is not restricted or frozen, but it very much is. If my available balance is XXXX yet Ive made multiple amounts in payments from my own bank account, same name just the savings and even the checkings ( those should go through no problem ), they told me to and I wouldnt have any issues! Nope those arent available yet either. I have to go through this XXXX XXXX XXXX XXXX!
Consumer complaint received 2020-11-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UMPQUA HOLDINGS CORPORATION (CA)

I have had a checking account with this bank for about 2 years now, and seemed to have no problems with anything. However, I went to open a savings account recently (XX/XX/XXXX ), and could no longer access my bank account online. All of my accounts with this bank are currently locked and frozen. I called the online banking customer service number by phone and all they could tell me was that I needed to visit a local branch to verify my identity. However, I do not have a local branch. It has been more than four months now that I have not had access to the money in my accounts that total well over {$2000.00} at this point. I have not been able to pay all of my bills due to my money being held up like this. I do not care if I keep the accounts at this point, I just want my money back. It looks like I will be resorting to XXXX, XXXX, CFPB and local state attorney general complaints until I can get this problem resolved. I would not recommend for anyone to do business with this bank as they will attempt to do nothing but steal your money outright. If there was a problem with my savings account application, then the account should have simply been denied, versus you taking {$2000.00} via my XXXX XXXX XXXX debit card out of my external bank account to fund it, and then freezing all of my accounts at your bank. I know that I provided all my correct information on my applications, and even received a paper account statement recently at my home address, so I know that my address is correct. Please let me know how I can gain account access at this time, withdraw my funds, and close my accounts with your bank.
Consumer complaint received 2020-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXX 's XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Consumer complaint received 2020-06-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Requested a loan modification whereby I would be able to retain the property. The modification application was denied for the Home Retention Option. The servicer did not perform a complete review of my ability to pay under modified terms. The servicer concluded that they could not create an affordable payment without changing the terms of my loan beyond the limits of the program. I followed the servicer 's instructions to request a Second Independent Review of Modification Denial. Servicer has not responded with results of Second Independent Review nor has the servicer requested any supporting financial information from me to support my ability to pay under modified terms.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC (GA)

On XX/XX/2020 I applied with Veterans United Mortgage for a VA Home Loan, FHA Home Loan, USDA home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX XXXX. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( s ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the Veterans United camp, Compliance, General Counsel and the President of Veterans United hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, USDA, and or a XXXX Home Loan as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to HUD, and I've advised HUD of my instructions for non-delays, let me explain, just like I file XXXX XXXX Congressional Inquires, I advised HUD, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, HUD of their XXXX duties. Systemic XXXX XXXX acts will Not prevail
Consumer complaint received 2020-11-03
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: EQUIFAX, INC. (CA)

i reached out to XXXX XXXX and and XXXX XXXX XXXX to see how these unauthorized inquires were added to my credit report and I became aware someone got access to my credit report. I made a police report regarding this issue.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I applied for the blue cash preferred card through American Express because new members would receive 1. ) the XXXX $ annual fee waived for the first year and 2. ) a bonus {$300.00} cash back after making {$3000.00} in purchases before XX/XX/2020. 
Neither promotional offers have been awarded to my account and upon phoning American Express was told neither applied to my account but he the phone banker couldnt or would not explain why.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I have no known knowledge of this company or debt collection agency. I have never signed any contracts or agreements to this agency nor do I know who they are. I am asking for proof of any agreements signed by me to this agency as well as negative removal from my credit report.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

Applied for a XXXX credit card. I wanted the standard card but was given the plus card instead so I never activated the card as I had no intention of using it as it has a high annual fee. Now I am being charged late fees and the annual fee on statements sent to me for a card I have never activated or used. 

I have contacted the company via the website and submitted a complaint and they said a manager would reach out to me but no one has. I want the account closed and the fees + " late payment '' fees to be reimbursed.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I disputed the accuracy of this account on XX/XX/XXXX with Experian. Upon their investigation on XX/XX/XXXX a duplicate XXXX account popped up on my report. I called in to notify them of the duplicate account. When she checked the report she removed ome of the accounts and when she removed the duplicate account she removed the account that reported the history from XXXX up until the charge off in XX/XX/XXXX. This account that she left on here is showing a completely different payment history than the one that was reporting since XXXX. Experian refuse to fix their mistake and remove this inaccurate information from my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Had finally reached a live customer representative that helped log me in due to forgot password well was able to do so but now when I go to login says incorrect information and cant get ahold of any live person only AI would like a copy of my credit report.
Consumer complaint received 2020-11-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (MI)

I pulled credit report and notice fraud account from when my identify was stolen! I notice student loan accounts I was incarcerated at the time, so there is no way I could have attended college. These accounts need to be removed from my credit report and copy sent to my current address.
Consumer complaint received 2019-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/2019, someone withdrew funds from my account via a XXXX transfer. Sufficient funds were not available, therefore, they transferred funds ( which were not available ) from my daughter 's linked account. Later that day, even after I reported the hack, someone continued to transfer funds back and forth from the account. Before all of this began, a balance of {$350.00} was in my account, USAA refused to refund the hacked amount. Subsequently, I had to open a new account in order to have access to my paycheck on XX/XX/XXXX. USAA blamed me and my daughter for the hacking and refused to refund my account balance. They have since sent my account to collections for funds above my original balance stolen from the account. Thankfully, My daughter 's bank refunded the hacked funds from her account.
Consumer complaint received 2024-08-24
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. (CA)

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 delete. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agency Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

On XXXX XXXX cash app closed my account for no reason I asked them what the reason of them closing my account they just said it was a violation I have money on my account I been trying to get this money off my account for a month I was told to cancel my debit card and get a new one and I should be able to cash out so I did so and it still would let me cash out it said I need to talk to support so I sent a email never got a response so I made a new account and they connected me back instantly since then cash app been giving me the run around Ive talked to many different people that work for app through email and over the phone Ive asked to speak with a supervisor and they refuse to give me one to talk to all I want is my money off the account please help
Consumer complaint received 2020-11-03
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!