davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CT)

I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX In my disputes I have requested that they investigate the account because I do not believe that this account is mine services were possibly illegally used by someone else. I.C. Systems is erroneously reporting that I owe {$720.00}. The last date in which I disputed this account was XX/XX/2020. This company refuses to do proper investigations and has completely ignored request for proof and investigations.
Consumer complaint received 2020-10-29
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. (MN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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

15 U.S.C 1681 section 602 A. States 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 XXXX 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 2020-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I had a fraudulent charge from my checking account. It shows as a cash app debit app in the amount of {$2300.00} at XXXX on XX/XX/2020 ( credit union time XXXX ). My bank states that because they are 3rd party app Visa takes zero liability. I dont know who the person is, they are not in my contacts. They dont even show up in my cash app transaction history. There were 2 attempts at chargers that fraud protection caught and cancelled but this transaction was not seen or recognized by Visa fraud protection. Please help!! Ive had no success at reaching cash app. Can not find an email address and all the support numbers and directionS given to reach support lead to a dead end. I know other people have been victimized as Im hearing all of the stories. Is there any way you can help me get in contact with cash app to dispute this charge and request to be reimbursed.
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

Cash App has froze my account with {$250.00} for 2 months. I received another {$250.00} payment so now there is {$500.00} on Cash app that they will not allow me to access. On XX/XX/XXXX I submitted a request to verify my account so that I can withdraw and deposit bitcoin. XXXX with Cash App support instructed me to upload a selfie of me holding my license and photos of the front and back of my license to a website which she provided the link to. Upon doing so, I was notified that the verification was not accepted. I then contact cash app support on XX/XX/XXXX for assistance. They responded on XX/XX/XXXX indicating that the account was verified in XXXX of XXXX by XXXX and that they have frozen the account until they complete verification. I responded on XX/XX/XXXX requesting the requirements for verification and since then there has been no indication of what is required to unfreeze my account. I have replied to the emails they have sent. I have created new inquiries via the actual cash app. I have sent direct messages via XXXX to cash app support. And I did receive a response from them indicating that someone has my case and will be contacting me and still nothing. I received a payment of {$250.00} on XX/XX/XXXX and have been unable to cash out or use the funds as my account is frozen. I received another payment for {$250.00} on XX/XX/XXXX. Now there is {$500.00} in my account that I can not use. This is the worst customer experience I have ever had in my life. I have cried over and over as this is money that I need to survive. I have had late fees aasessed and all types of financial inconveniences steming from this issue. I explained to them that my cash app account is on my girlfriend 's phone because she manages my household 's finances. She is able to use the cash app as she so chooses as do I. The account itself was not verified by XXXX in XXXX they are simply associating my account with her number which should not be the case. If you are able to open several accounts they should let you know that it will be linked to the initial account that was setup on that phone number. Even if that is the case the verification is for XXXX not for XXXX and I have provided exactly what they asked for. The bank account linked is to XXXX not XXXX the only thing linking anything is merely her phone number. There is no reason to freeze an account based on the same phone number if the name on the account, the name on the bank account, and the verification all line up. This has been an unbelievably frustrating issue.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (RI)

DEAR XXXX : CONSUMER # XXXX /CASE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This letter si to request the removal of a bankruptcy file from my consumer report I ma attaching copies of al records obtained from the reporting agency and the court. These documents reflect the dismissal of the bankruptcy on question. As you wil see the bankruptcy was ni fact filed and later dismissed because Inever follow up with the process. Ihave been asking for this record to be removed from my credit report for quite some time, but al efforts have been unsuccessful. 
I thank you for your time and consideration. If you have any questions, please do not hesitate on calling XXXX
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (SC)

I am senior citizen who is XXXX years old.Due to unforeseen family hardship In XXXX, I had to take out a loan on my home. I was force to file bankruptcy XXXX. The bankruptcy cover the past interest and the late payments that was accumulated, which would give me a fresh start with my mortgage payments. Unfortunately the bankruptcy would not assume the full amount of my home loan, only the past interest and late payments would be considered. After my mortgage was sold three times.The mortgage company that assumed my loan was Fay Servicing. With Fay servicing my payments were {$410.00}. I paid my monthly payments on time and some times would pay more.I noticed that my payment were starting the increase and I would have to pay more. For the month of XX/XX/XXXX I would have to pay {$1400.00}. Unfortunately my social security wouldn't cover the month of XX/XX/XXXX payment. With COVID 19 hitting things became very tight but I continued to make my payments on time. When I called Fay Services they refused to give me any information regarding my loan. They stated they need a form from the lawyer that file the bankruptcy. The release form was sent to Fay Services early this year. The company claim they never received it. I also have a copy of the form showing proof the lawyer sent paperwork. This company need to be stop and there taking advantage of many senior citizens.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP (WA)

My lease on my XXXX XXXX was ending and they gave me the option to extend my lease online and continue making payments. 

I choose to extend my lease for 3 months until I decided to buy a new car. I was told I would get information in the mail as I normally do to make my monthly payments. 

I never received anything in the mail the first month and my wife who pays the bills didn't pay it since we didn't receive anything. I finally got the first bill and showed that we had an outstanding balance. I paid it immediately when I got the bill, I have never been late on any of may payments for at least 10 years. 

I got notified via my credit monitoring that I had a a late payment from Acura Financial services. I immediately called them and they said that my payment was late by one day and there is nothing they could do. 

They said the call me multiple times on a phone number XXXX XXXX XXXX XXXX that doesn't even exist and said I gave it to them or the dealership gave it to them. The number I have on file is XXXX XXXX XXXX XXXX. I attached a screen shot of the number I have on file. 

The day after I made the payment I finally got a call on my cell phone the number that would have been on file that I was late. 

I had never missed a payment and I choose to extend the lease and never received a bill or any notification of a late payment. 

This is now affecting me to buy a new car and none of this was my fault. If I would have just turned in the car there would have been no negative impact on my car.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

ALLEY FINANCIAL XXXX. XXXX XXXX, XXXX, MN XXXX. 
Subject : a/c no XXXX auto loan XXXX I KINDLY REQUEST YOUR OFFICE TO SEND COPIES OF PAYMENT HISTORY FOR THE LAST 18 MONTHS AND YOUR RESPONSE TO MY COMPLAINT SUBMITTED VIA CONSUMER FINANCIAL PROTECTION OFFICE AND OFFICE OF THE COMPTROLLER DETAILED LOAN HISTORY. 
TO MY ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX VA XXXX HARD AND SOFT COPY TO XXXX ARGUMENT : AS YOU ARE WELL AWARE I COMPLAINED ABOUT ALL PAYMENT HISTORY PAID AND MISSED POSTING OR ANY OTHER MISTAKES TO CONSUMER FINANCIAL PROTECTION OFFICE, STILL I DID NOT GET CORRECTIVE MEASURE BY THIS BANK IN WHICH CASE MY BALANCE IS ONLY USD {$1400.00} INSTAED OF {$8500.00} PLEASE ADJUST THE BOOK AS SOON AS POSSIBLE. SECONDLY, PLEASE SEND ME A PASSWORD RESET TO MY XXXX ADDRESS ( XXXX XXXX SINCE YOUR ONLINE SYSTEM DID NOT LET ME DO SO. 
XXXX XXXX XXXX
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

On XX/XX/2020 I called Reliacard to file a dispute. Everything went smoothly at this point. I received my new card the same day I received the forms to file my dispute XX/XX/2020. I called in to activate my card and was instead told that they had no record of sending a new card and that my account was closed with a note stating not to reopen it and had no answer as to how I would receive the money that I still had in my account. When I asked as to why their response was they had no idea that all it says is to not reopen the account. Later that day I filled out the dispute forms and faxed them in with the additional information they needed. On Monday, XXXX XXXX I received a letter dated the XXXX stating they had made a final decision regarding my dispute. On the XXXX I had not received any forms so was unsure as to how they came to the decision already. I called in and was told that it would be 3-5 business days before the right department would receive my complaint to continue the investigation on my dispute with still no answer as to why I couldn't receive the funds in my account nor when I would be able to. My lease is up on XX/XX/2020, and with my landlord refusing to resign my lease, I'm having to move, and having Reliacard withhold my funds has made this an impossible task which is causing problems between my landlord and me.
Consumer complaint received 2020-11-19
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: I.C. System, Inc. (NC)

On XX/XX/2020 I C System 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. I C System did not verify this collection. Also there was NO written form of communication, contract, or signature of this accused debt at all. a bill with out a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

Purchased set of tires from NTB National Tire & Battery on XX/XX/XXXX, and on a 6 Month no interest nor fees paid agreement if paid in full by XX/XX/XXXX of XXXX. 
the full balance was paid on XX/XX/XXXX of XXXX. 
Late fees were added to the account afterwards that should not been added for 2 months, and called the company to try an resolve this issue, which they corrected it by removing the fees but still sent in the late fee charges to the credit bureau. 
NTB told me that there was nothing they could do.
Consumer complaint received 2020-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

FedLoan Servicing ( PHEAA ) has begun ignoring my standing payment instructions yet again. This is the sixth CFPB complaint I have filed because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint, and subsequent complaints. The most recent example of incorrectly applied payments is my payment for {$1000.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX ( Loan # 8 ) and interest rate of 4.45 % ( the highest rate ) but it was instead applied to loans with lower interest rates ( disbursed XX/XX/XXXX and XX/XX/XXXX ). I have attached a screen capture showing that this payment was not applied correctly.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WI)

I have been trying to get my money out of cash app or send it to someone I have funds already added in my cash app and whenever I try to send it they do not let me and say I don't have sufficient funds when I clearly do. I even tried sending to my bank but they do not let do that either. Here is a video of the same. I have tried reaching out of them in every way possible. Including their social media channels. but they do not help at all. They have the same to others. please stop it XXXX XXXX   XXXXXXXX XXXX
Consumer complaint received 2020-10-28
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. (MD)

On Transunion, XXXX  and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (UT)

This is the third time I am filing a complaint regarding US/Bank Reliacard Utah unemployment benefit. Please see complaint # CFPB - XXXX. The company said they resolved the issue, but they have NOT. They requested I fax them my valid government ID, SS card, and XXXX, and include the Card ID # XXXX, which I did. They did not tell me in their letter that I had to enlarge the documents by XXXX and reduce it to the lightest point. So I waited almost a month and contacted Reliacard, at which time they informed me that I needed to refax with the above instructions, which I did on XX/XX/XXXX. They said they would then send me a card. I called on XX/XX/XXXX and talked with XXXX in XXXX. She confirmed that they did receive my fax verifying my identity and that it had been approved. However, she said they had " locked '' my account so no one could get access, which I appreciated. She said she had to escalate the unlocking to management and that if I called back on Monday, XX/XX/XXXX and she could order a card expedited. I called on XX/XX/XXXX and talked with XXXX who said he couldn't find the account, that everything had been deleted. He could not help us. I hung up and called two more times, finally talking with XXXX, who found and verified the account easily, and said she could order a card expedited but had to send it to a manager. Called back on XX/XX/XXXX to see if card had been ordered, call was disconnected. Called again and spoke with XXXX at XXXX XXXX. She said she would order the card and confirmed that the order went through. Instructed me to call XX/XX/XXXX ( today ) and they could give me the tracking #. When I called they said they needed the password I had given them the day before. We NEVER, IN OVER 30 CALLS, going back to XXXX, was asked for a password and explained that we did not know what they were talking about. They said they could not help. I begged them to transfer me to a supervisor or manager. They put me on hold for 2 1/2 hours before call was disconnected. Reliacard customer service is the worst I have ever experienced. They have used every excuse possible to deny or delay getting me a card. I have attached several documents showing what I have done and communications without any resolution. Even with the first complaint I filed, they used the excuse that they couldn't respond because I had asked them to try to contact me through my sister and they told me I had to refile the claim because I'd mentioned her name. I refiled and then their response was that they already resolved the complaint ... which they had not.
Consumer complaint received 2020-10-12
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (AR)

Recently I've been in dispute with the XXXX major consumer reporting agencies and collection agencies regarding several accounts that were opened without my knowledge or consent. One account in particular from a company called XXXXredit Collection Service located in XXXX Massachusetts has violated both the Fair Credit Reporting and Fair Debt Collection Practice act by continuing collection efforts on a fraudulent account established through identity theft/or fraud after being notified by a consumer ( me ). For some reason the fraudulent account still remains on my XXXX  and XXXX credit file and should not be. In addition Credit Collection Service is reporting obviously a wrong open account which if so, this violates the statue of limitations for pursing medical collection efforts in the state of Arkansas. Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Ive been using cashapp for years and never had this problem my account was frozen on XX/XX/XXXX then unfrozen a few days later so I thought it would be easier by taking all my money out my cashapp so it wont happen again then a few days later my cashapp froze again but this time for weeks and I tried to get in touch with cashapp through XXXX  they said theyll me with me soon weeks go by no text back I emailed them and still nothing I dont understand why