davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

We XXXX bought a timeshare while on our honeymoon in XXXX. Most foolish/worst financial decision of our lives. This was XX/XX/XXXX. We 've been trying to get rid of it since then. We 've fallen prey once already to a company claiming to resell it for us. Since then we disregarded several more attempts to scam us around this issue. Sadly, in late XX/XX/XXXX we got another resale offer. This one looked legitimate possibly. I forwarded the contract to an attorney who I spoke to but he stopped engaging. We had several phone conversations with the person posing as XXXX and felt there was legitimacy to this. We moved forward. We wired {$1200.00} for fees that were " guaranteed '' to be returned upon closing. An additional {$1000.00} was wired for taxes ( non-returnable. our only " cost '' ). We were told that the closing was scheduled and that upon completion we 'd be contacted to chose a title clearing company where we could finalize our end of the transaction and receive payment. As the closing approached communications became sketchy and unprofessional. The closing was supposedly on Friday XX/XX/XXXX. We 've heard nothing since. There was also a man posing as XXXX in their " processing '' department that I spoke with and emailed with. Both he and XXXX 's phones direct to voice mail now. Neither has a mailbox message. Neither identifies themself. His mailbox is full. I 've left XXXX multiple messages. Her email bounces back as undeliverable. His does n't. Their email XXXX is an inactive website. Using XXXX it is owned by : Organization : XXXX Mailing Address : XXXX, XXXX NJ XXXX US Phone : XXXX. I see now there are multple compaints of fraud against this entity. I 've texted both XXXX and XXXX multiple times demanding a response. I 've heard nothing. I gave them until today, XX/XX/XXXX to respond before reporting them to the authorities. We 'd like to pursue this complaint to whatever degree is possible. I have complete email exchanges, the signed contracts, and the wire transfer details. I hope we can work with someone to pursue this matter further. Please advise.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had XXXX credit cards with USAA, XXXX accounts i paid off and closed those accounts, I kept the XXXX account and again paid it off, yet they continue to hold my funds long after they received them via ACH. I called was told " Well even though you have a great credit history with us, and paid off the XXXX accounts you closed '' the open account in which you also paid off, we hold the money as long as we can '' i asked why now? was told thousands of people pay large amounts on there accounts but USAA holds them as they can make interest on holding thousands of payments by our customers, thus you can NOT access your funds for about 10 days even thought we have had your full payment we can make interest by holding customers. I was told today 4 different stories on this problem.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

On XXXX, XXXX my phone was stolen and the theft sent all my money " XXXX '' dollars too themselves. I emailed cash app before the transaction took place to make them aware of the situation and they failed to stop the incident and then refused to refund me my money after we sent email after email to each other for months i told them i have XXXX young children and i was out of wrk do to the pandemic and they did not care at all .... I was very disappointed and felt as if they were aiding the crook i knew her name and everything gave them all the information they needed and they blew me and my family off
Consumer complaint received 2017-04-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Resurgent Capital Services L.P. (CA)

I am a victim of predatory practices from LVNV LLC. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX lawyers and XXXX to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from XXXX, attorneys XXXX, XXXX and LVNV Funding LLC.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, LVNC Funding LLC is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ 80 monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

These accounts, XXXX XXXX and XXXX XXXXXXXX XXXX not belong to me and are closed, so they must come off. I also said that XXXX XXXX  XXXX ( late payment ) and XXXX XXXX XXXX XXXX ( late payment ) have never been late and must be updated. I also did not open any new student loans in XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, so that also needed to come off of my report. These both have the same account number and are for the same amount. This appears to have been opened in XXXX. There is a collection on my report from XXXX XXXX XXXX XXXX. They are reporting negatively on my report, and I wanted them removed. The only response I received was that someone would call me back. I never got a call back ; it was only a notification that the information was correct. I have not applied for new cards or accounts, but I see XXXX forms for XXXX. 

My correct address is not listed on the report ; a few other addresses are deliverable and belong to someone else. I told them all its information, and they have done nothing. Meanwhile, I still get alerts that my information has been compromised. All of this needs to be corrected as it Is causing me undue stress and hardship.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Bank teller applied my cash deposit to account belonging to another bank customer. I have the deposit receipt showing the incorrect account. The bank manager has to wait for an investigation to be comleted. This delay in correcting the bank 's obvious error will prevent me from making my truck payment, causing damage to my credit file that will take years to overcome and will lesd to higher credit costs for me.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts, XXXX XXXX and XXXX XXXXXXXX XXXX not belong to me and are closed, so they must come off. I also said that XXXX XXXX  XXXX ( late payment ) and XXXX XXXX XXXX XXXX ( late payment ) have never been late and must be updated. I also did not open any new student loans in XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, so that also needed to come off of my report. These both have the same account number and are for the same amount. This appears to have been opened in XXXX. There is a collection on my report from XXXX XXXX XXXX XXXX. They are reporting negatively on my report, and I wanted them removed. The only response I received was that someone would call me back. I never got a call back ; it was only a notification that the information was correct. I have not applied for new cards or accounts, but I see XXXX forms for XXXX. 

My correct address is not listed on the report ; a few other addresses are deliverable and belong to someone else. I told them all its information, and they have done nothing. Meanwhile, I still get alerts that my information has been compromised. All of this needs to be corrected as it Is causing me undue stress and hardship.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ROC Asset Solutions, LLC (IL)

XXXX from API XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact API owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with API, her employer. The phone number she gave was ( XXXX ) XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MS)

I lost my job in   XXXX  , I contacted the Home saver program here in  XXXX   XXXX   I  was granted 24 months of assistance the Home saver program paid over {$22000.00} on my mortgage  to Wells Fargo, My balance on my mortgage as increased instead of deceasing. I am still havi ng a hard time making my payment. I will sent a letter fr om Wells Fargo st ating I will need to pay my mortgage  XXXX   XXXX . I called them to see how much I would need to pay per I got another letter stating my escrow was short by a few dollars and they were offering me  2 chooses, I wanted to discuss this, when I called I was told I was two  months behind in my payments. I applied for a loan forbearence only to be turned down. I would like my mortgage case looked at. I think something is going on with my balance owed and too see why they will not help me till I get on my feet. could  some one  please help me. I dont know the right words say but I need help.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (MO)

United Auto Credit has called me multiple times within a  10  minute timeframe.   They are leavening multiple voicemail messages in the same day ; sometime s 15  minutes apart. This will happen even when I 'm onl y one d ay past due.   They are calling any people I am acquainted with and implying that I have a past due debt with them. This is harassing behavior and I need it to stop immediately. I also want to seek action against them.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian is reporting   XXXX   XXXX   XXXX   XXXX   Acct #  XXXX  from     XXXX   on my credit. This is account is  XXXX   XXXX   XXXX  and I am no longer liable for this account. This account is too old to be on my report and should be remove immediately. I have sent  three  written requests to Experian which have been ignored.
Consumer complaint received 2017-11-26
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. (CT)

Sent by certified mail on XX/XX/XXXX and XX/XX/XXXX a dispute request to both XXXX and Transunion regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I supplied both XXXX and Transunion with a letter from the XXXX XXXX XXXX for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XX/XX/XXXX XXXX sent a new credit report with my dispute results stating the company that reported the information has certified to XXXX that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. Transunion simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XX/XX/XXXX three bureau report both Transunion and XXXX continue to show a bankruptcy yet XXXX has no record of a bankruptcy.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

On or about XX/XX/XXXX, I went in my mobile banking app to see my balance. I had XXXX, I thought, until I opened my bank statement online. I looked and it showed XXXX, XXXX, XXXX, and XXXX taken out from cash app. On same day.Leaving me with XXXX balance. I notified my bank, fraud dept. They said we will put ur XXXX back in ur account ; however, if after investigating we find nothing, we will take XXXX back out. 

So on XX/XX/16 I had XXXX in account. Well, I looked later, I was overdrawn XXXX. The bank withdrew XXXX out of my checking saying Cash App said I authorized, which is a lie. So, luckily my brother put in XXXX to cover overdraft. 
I called branch mgr, she said bring in ur XXXX. My brother said im going in with you. The manager said we can pull history transactions from cash app. So, mgr printed off history transactions. The historys did not show the XXXX that was taken out of my checking, but my bank statement specifically showed cash app transactions. 

So, the manager sent history statements to fraud/ investigative dept for 2nd investigation, but mgr said on 2nd investigation, they will not put XXXX back in while investigating. Its been over 6 weeks, my bank has not notified me of anything. Im so upset, I did not authorize. I said why would I take out XXXX and leave myself with XXXX in middle of month? Plus, why didnt bank ask for historys in first investigation. They were ok with Cash App saying " she authorized '' with no proof from Cash App. 

My brother said the way bank went about this is bad business. Im on Social Security, so I get paid on XXXX of each month. 

I read where guy had same problem and he couldnt get his money back. It said u went straight to Cash App and they put money back in his account. 

I have seen cash app is the worse app to be exposed to getting ur account hacked. I use XXXX now with my bank. I used cash app to send payments, I advise everybody, DO NOT USE CASH APP to send money. 

I lost money that I needed, it has gotten me financially in a bind. 

Anything u can do to help me get my money back, will be deeply appreciated, Thank you.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

With all due respect, I now understand from speaking to "  XXXX  '' with TransUnion on  XXXX / XXXX /  XXXX   at about  XXXX  PM she advised me thatTransUnion validates this information from the  US  Bankruptcy Courts. I ask was she very sure and she assured me that was correct information. I specifically asked if you ( transunion  )  called   XXXX   to validate or verify this info and she said " NO '' this information as either obtained through the Courts itself or through a  XXXX  party provider by the name of  XXXX . Having said that, I reached out to  XXXX  and they advised me that my file there was locked so then I sent a certified letter to the courts and received a letter back stating they DO NOT provide Bankruptcy status ' to the Credit Bureaus, please find the attached document. I would now like to know How was this really verified, whom at your company verified this information, what date this information was VALIDATED, and the steps involved in " VALIDATING '' information from a dispute. I have gotten different answers every time even through the CFPB.     I would like for TransUnion to VALIDATE this as being accurate and provide me all documentation that made this Bankruptcy Mine.     I hereby request a Full Investigation of this and expect to have results within 30 day as this is the time allowed under the Fair Credit Reporting Act.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc (CA)

I have filed previous complaints against  Financial Credit Network f or reporting that I owe {$190.00} for   XXXX   XXXX   XXXX   XXXX  , I have provided my lease that I did not live at that residence, I have provided an affidavit stating this debt does not belong to me, and a police report from the  XXXX   XXXX  Police Department in regard to this matter. When I contacted  Financial Credit Network y esterday on  XX/XX/17   , it was stated that they are awaiting " a response '' from the original creditor after I have proven that this account is reporting fraudulent negative information. I want this account removed from my Credit Report  IMMEDIATELY. I ha ve proven everything that was asked of me.
Consumer complaint received 2024-09-02
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"