davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

This initial communication is an attempt to inform you of monies exceeding {$6800.00}, XXXX XXXX XXXX XXXX XXXX XXXX UNLAWFULLY taken from XXXX  as agent signatorys account for XXXX in an apparent complicit scheme with the financial institutions and/or Clearinghouse activities that you claim contractually to represent in this manner. 

XXXX has provided detailed information with signed contracts including but not limited to the hold harmless agreements, therewith clearly and conspicuously signed by the alleged injured parties requesting their monies be returned, further supports XXXX right to a claim for the unlawful and illegal removal of monies from the associated accounts in connection with XXXX work performed. 

XXXX has included in this communication those names and amounts taken. Therefore, XXXX is now requesting that Square , Inc will make XXXX as agent whole again with a mutual agreement for three times the amount UNLAWFULLY taken and meet compliance with the Illinois statutory codes for damages intentionally incurred by Square Inc.s egregious behavior. 

Additionally, XXXX has no intention of waiving any of her rights to be restored all monies unlawfully taken. 

Moreover, if Square , Inc fails to meet compliance, subsequently XXXX is requesting Square, Incs insurance information. Please include its insurance agents name, policy number ( s ), general liability amounts, adjusters name, location and telephone numbers. See the enclosed demand for insurance information as Exh 1. 

Conclusively XXXX is requesting a full refund of all monies unlawfully taken, according to her letter of claim as addressed to the appropriate senior management team, underscored by her certified mailing # XXXX XXXX XXXX XXXX XXXX sent on XX/XX/19. see Exh 2
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Hi, I am a home owner and this home was financed by a mortgage company on XX/XX/XXXX and the purchase was closed. During the time of the purchase I made 10 % down payment towards the mortage. On XX/XX/XXXX, I made a substantial and significant payment towards the principal and the LTV came down to 11.64 %. I am requesting the mortgage company to cancel my PMI based on the LTV and also have made a written request. But I am being constantly asked to perform an appraisal of the property or the date on which the PMI will expire is on XX/XX/XXXX which does not make sense to me. Because if I continue to make my mortgage payments as agreed the remaining loan balance will not stand until XX/XX/XXXX and will be paid of byXX/XX/XXXXor even before if I can make additional principal payments. The expiry date as they say is based on the original amortization and as I know the PMI has to be automatically cancelled when the LTV hits below 80 % and in my case it is right now at 11.64 %. I am requesting to cancel the PMI based on the original appraisal which happened about 8 months back in XX/XX/XXXXand even the county 's appraisal yearXX/XX/XXXX for the purposes of the property tax is higher than what it was during the time of purchase. I am wondering as per the HPA is it not a protocol to the lender to automatically cancel the PMI based on the LTV. And again the LTV is 11.64 % at the time of this writing and I am current on my mortgage payments and I had never missed a payment. The bottom line is why should I need to go for an appraisal when the LTV is at 11.64 % compared to the original appraisal of the property and I do not think that the new appraisal will be below the principal balance which is far low. I am in total loss as to what kind of eligibility requirements I am supposed to have for removing the PMI when the LTV is at 11.64 %.? 

Please advise me. 

Thanks for your time. 
XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have tried for for over 1 year, and 6+ certified mailings to correct these invalid entries on my consumer credit file for each of these following credit reporting agency. THEY IGNORED ALL OF MY LETTERS ABOUT LEGAL COMPLIANCE. I sent them multiple Credit File DISPUTE LETTERS to correct the following errors : CREDIT REPORTING AGENCIES : 1. EQUIFAX, INC CREDIT FILE ERRORS : 1. Incorrect Address Reporting ( multiple entries ), Willful NonCompliance.

2. Invalid Bankruptcy Reporting, Fraudulent Unsubstantiated Re-Investigations.

3. Fraudulent Collection Agency Reporting, Unsubstantiated Re-Investigations.

VIOLATIONS : 1. Violations of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 
2. Willful NonCompliance, ( e.g. as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal XX/XX/1995 ). 
3. Failure to respond satisfactorily within 30 days of receipt of consumer dispute.

4. Fraudulent Unsubstantiated Re-Investigations. 
CHARGING : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act
Consumer complaint received 2020-10-11
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (GA)

With my. Target credit card. TD BANK USA/ TARGET CREDIT.

I paid off my balance when I refined my house in XX/XX/2020. I was under the impression that I am a XXXX  balance. 
There was {$2.00} Finance charge. Which I did not have any problem to pay to make sure that my account is XXXX balance. 
The problem that the TD BANK USA/ TARGET CREDIT failed to communicate with me. Or notify me. I called them finally in XX/XX/2020 when I recognised that I have a past due balance. I got to know this past due balance from my huge drop in my credit score. So I called them inquiring about the problem. They said that I owe them {$2.00} plus {$5.00} fees and they send me emails about it monthly. I looked it up and I see all emails were going to my spam and my pc consider it as spam advertisement.

When I explained that to them the bank representative said that there is no default on their part and they have to report it to the credit bureaus.

It is as serious matter as I am very careful on my credit payments and my credit profile and I keep very close eye on my finances.

But when I do not get a good way of communication from the TD BANK USA/ TARGET CREDIT and they report it to credit bureaus that is unfair.
I asked if I did not response to your emails why you did not send me a letter by mail or a phone call or both.

Representative said we do not do so.

It is a serious matter as they report a delinquency in my account and I have no way of communication with the bank to get to know that I owe them {$2.00} plus there {$5.00} ( {$1.00} a month ) Fees.
That is not fair and I am disputing that. 
Thanks.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (SC)

Hello, in XX/XX/XXXX & XX/XX/2017, I had a 60 & 90 day late balance of my credit card ( XXXX XXXX Card ). I was XXXX at the time, and never received and notification of billing or late debt despite leaving my forwarding address with my homestation 's post office. I received no billing, and noticed a massive drop in my credit score in XX/XX/2017, where I then investigated, paid the debt, and followed up with my post office. I did everything I knew to do in order to receive my mail/bills, but was in a XXXX environment and was never made aware of any debt or late payments. It's been over a year and it still isn't back to where it was. I'm interested in purchasing property and my credit score will affect my interest rate for a loan. I was interested to see if there are any options available to remove this negative impact to my credit score. Thank you for your time today.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX requesting the correct Name and Address on my credit file be Updated. and the removal of any other names and addresses to be removed due that they are not deliverable to me by the U.S. post office and they are not reportable to the FCRA, since they are inaccurate. Equifax stated that they cant remove the address or correct my name on my file. this is an issue that I've tried to fix without it coming to me filing a complaint on XXXX XXXX XXXX XXXX, XXXX. I'd received a letter stating Address XXXX XXXX XXXX XXXX XXXX ill XXXX was removed, which I will upload with this complaint, But I'm still seeing this address on my file as of today XX/XX/2018. I spoken to Equifax on todays date and the representative stated its still on my file.
Consumer complaint received 2020-10-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of  phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (TN)

I am not receiving the responses from my disputes for equifax. I have reached out to them several times within this year and even sent a formal ftc letter reiterating my rights to confirm the debts in question. I have not received a single response from them as of now.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

In XX/XX/XXXX, I went to my local bank and closed my XXXX Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report in XX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact XXXX to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. XXXX 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (NJ)

In XX/XX/XXXX, I went to my local bank and closed my CitiBank Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report inXX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact Citibank to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. Citibank 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.
Consumer complaint received 2018-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC. (CA)

On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( Check into Cash ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a XXXX XXXX XXXX, they asked for my XXXX XXXX. I told them that it is a matter of public record and that they can contact the XXXX XXXX or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MD)

GM Financial is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XX/XX/XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date.

Payments dates are as follows ( see attached doc ) : XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 I spoke with representatives with GM Financial and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by GM Financial. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the Fair Credit and Reporting Act.
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (CO)

MY NAME IS XXXX XXXX  ( XXXX  ) I HAVE BEEN PLACED IN COLLECTIONS WITH XXXX XXXX   FOR A MEDICAL DEBT FOR MY DAUGHTER XXXX XXXX XXXX DATE OF BIRTH XX/XX/XXXX WHO WAS COVERED UNDER MEDICAID FOR DATE OF SERVICE XX/XX/XXXX. I HAVE SENT EVERY DOCUMENT AVAIL INCLUDING LETTER OF ELIGIBILITY SHOWING SHE WAS COVERED ON THIS DATE AND THEY WILL NOT REMOVE FROM COLLECTIONS OR DELETE FROM MY CREDIT WHICH IS OUT OF COMPLIANCE. I NEVER RECIEVED NOTIFICATION OF THE BILL OR BEING PLACED IN COLLECTIONS. I JUST WANT THIS REMOVED AND MY STATUS UPDATED WITH THE CREDIT COMPANIES AS I AM NOT LIABLE FOR THIS DEBT.ORIGIONAL DEBT IS WITH REGIOGAL MEDICAL LAB IN XXXX OKLAHOMA
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I have received several statements ( dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX )  stating that I owe {$400.00} to this collection agency and I have asked them to provide me with verification and validation of this account. They keep sending me the same credit card statement which does not show proof of validation. I have sent them 2 different letters ( dated XX/XX/XXXX and XX/XX/XXXX )  attempting to settle this because I want it off my credit reports and they have not sent me anything trying to accept payment or settle the account. It has been well over 30 days and I would like to have this account off my credit report ASAP. 

Thanks in advance!
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I had a citi double cash card which ended with XXXX. On or about XXXX, I opened my paper statement for the billing period XXXX and found of the 25 charges made to my card, 17 of them were not made by me. I did not lose or lend my card. I called the card company, disputed the fraudulent activity and paid for my charges immediately, as I always do. Prior to getting the next statement for the billing period in the mail, I got an e-mail, on or about XX/XX/XXXX asking to contact the credit card company. Upon contacting the card company, I was asked about the 25 charges transacted from XXXX. Of those, 24 were made fraudulently and i disputed them. I was then issued a new card. On XXXX XXXX, I received a brief letter from the card company, stating that as I did not lose or lend my card, the dispute was closed. I then sent a letter, via certified mail, to citi bank security services dated XXXX, reminding them that turning their back on their customer without attempting any due diligence on their part, implies that I am the one who is a fraud, a cheat and a liar and that implication is indeed slanderous. I then pointed out the inconsistencies of the disputed purchases with regards to the prior 11 months of my card use, the frequenting of places I have never been, neighborhoods and cities I have never visited as opposed to the very limited sectors I used my card prior to the disputes. As I understand it, the credit card company is required to reply to me in writing within a certain number of days. That time has long passed. I maintain, in the strongest possible terms, that I did not make any of the disputed charges, and insist that all the disputed charges, fees, and interest be removed from my account.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018 went to Chase Branch executed check claim for {$100000.00} tendered to XXXX and my public adjuster XXXX. I was advised the claim check was going to be deposited into my account in 2 days. 

On the XX/XX/XXXX the funds was cleared and on the XX/XX/2018 I  discovered my funds was debited from my account without my permission. 

On the XX/XX/2018 I received a suspicious call from a 5 digit number unrecognized twice and answered. 

A young lady said she was from Chase claim department and my money was taken back out of my account. 

I inform the individual that I was advised before signing over the funds to Chase that the funds would be deposited into my account in two business days and that I had outstanding checks out their and needed to take care of my business. 

I informed Chase I did not authorized anyone to go into my checking account only to make the deposit at the branch downtown on XXXX XXXX XXXX XXXX Il Now Chase also took all of my money I had prior and after the deposit of {$100000.00} in the amount of {$3100.00} that since XX/XX/2018 and that money was stolen from me by Chase and have a overdraft fee too. 

I told the Chase rep XXXX that I was not paying off my {$33000.00} mortgage and they said I did not have too. 

I was told the entire {$100000.00} would clear in two days and I directed the funds to be deposited into my acct that I gave to XXXX. 

Now I contacted the Chase and my money is still not in my account and I dont trust them because they took my money out of my account with my permission. 

I informed them onXX/XX/2018 I had outstanding checks and instead my money was stolen from me and I was scammed in endorsing the check and have bounce checks and fees. 

I dont trust Chase anymore because they are going to get me into alot of trouble bad credit and killed taking my money out of my account. 

I am very disappointed with this kind of behavior and conduct. Now I have {$80.00} in my account can not take care of my business.