davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (OH)

This is related to my earlier complain that someone opened a fraudulent debit account into which that person tried to apply for unemployment in Ohio. Now another cash card has been received called " Debit VISA '' but there's no identification on the card from where the card has originated. The outside of the envelope references Square, Inc. ant that's all I can find. There is no phone number on the card to which I can report fraud so that's very concerning. How do people even open cards like this? I need to get this account closed but don't know where to turn to get it closed.
Consumer complaint received 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Escrow is always short and i have added thousands to it and mortgage payment keeps you going up. My payment went from XXXX to XXXX. My taxes went up to XXXX XXXX from XXXX but after continuing adding money my payments continued to rise. I have a 30 yrs fixed mortgage. So why has it changed is the question I would like answered and why am I always short in my escrow.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

On XXXX XXXX I had my SSI check direct deposited into a cash app account {$780.00}. On the same day thirty minutes later there was a cash out on my account for XXXX. The screen says my SSI deposit was cashed out to Visa debit XXXX. Which it's not my account. I've been reaching out for help since XXXX. Everytime I would contact cash app and tell them my check was deposited into the wrong account. Cash support says the check is in Visa debit card XXXX. I don't own a Visa debit ending in XXXX. I really need my check back. So I need your help to resolve this.
Consumer complaint received 2021-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis Credit management claims that I owe {$260.00} due to a broken lease. After contacting them they asked me to provide them with a copy of my resident lease during the period of the broken lease. I complied, sent them my present lease for the last 3 years along with a copy of the police report yet they refuse to delete the claim.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

XXXX XX/XX/XXXX a XXXX  XXXX  payment of {$1200.00} was made to a XXXX  XXXX XXXX and a XXXX XXXX to XXXX XXXX or XXXX fraudulent withdrawals made from my checking account I went to the bank after being alerted by XXXX XXXX XXXX that fraudulent transactions was being made from my checking account and the XXXX XXXX XXXX shut my debit card and checking account down and had me to dispute the charge that wasnt mine and send me a new debit card and blocked the old checking account and gave me a new account number. I went Regions Bank and was told by the bank clerk that it was anything she could do because the transactions were pending. I kept telling that I didnt authorize these payments and didnt know who these people was. So I shut my debit card down and online banking with the Regions bank. I went to the bank several times with no results the last time I received a letter that stated I participated in, allowed, or otherwise authorized this use of my online credentials in other words this XXXX XXXX year old female that is living on a fixed income stole my own money. The bank letter stated that based on the following findings we have determined not to provide any credit to my account for the transactions. I have been a customer of Regions l since XX/XX/XXXX over twenty two years and was with XXXX XXXX  before they merged with Regions for over ten years. The part that hurt me the most was the clerk told me couldnt block a pending payment or charge. Help me please because I really need my Social Security Benefits to be able to pay my household bill, buy my medicine and grocery.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Started calling on XX/XX/XXXX th about redeeming reward points for a retail gift card. 1st call they told me they can not redeem the points because i get my statements sent to a XXXX XXXX XXXX I would have to make the change to street address. I had them change the address and they told me it would take a day or so. 
2d call when I asked for {$100.00} gift card for XXXX. Agent said they can not give {$100.00} cards. I was looking at the rewards program and it clearly shows cards amount up to {$100.00}. They then said maybe I could get 2 cards for {$50.00}. I said OK, then they said they would have to get OK from supervisor and to call back the next day. 
Next day they asked for a PIN number in order to process the request. I do not have a PIN number. They told me I had to have one from the time i first got the card. 
I looked back at my statement sand never got a PIN number. 
3rd call I asked why the run around and what I needed to do to get the points redeemed. They told me how great they are and I was not getting the run around it was federal law that I had to have all these things to stop criminals activity in the US. 
?? Not sure where that came from. 
4th call we went through same process about the PIN number and they took my SS number as ID. Then said I had to have an original PIN number from the start up date, and to use the number I use to get cash back from the card. I have never gotten cash from a machine and do not want to. 
End result I do not understand the effort to not honor their program. I have paid my bill with them every month for many years and first time I want to use the rewards they balk. A XXXX dollars is not a lot of money.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XX/XX/XXXX I recieved a letter of denial for modification. in that letter it stated i had 30 from that date of that letter to appeal there decision. The letter also stated no sale will be conducted until during the appeal process. I called SPS after recieving the letter in the mail at least 12 days after the date. Asking them to provide with certain documents that i would need in order to prove my appeal. On XXXX XXXX i recieved a call from a Mr . 
he advised me to send my appeal letter to " XXXX '' XXXXso i did just that he gave instructions on what to put on the letter ie in the subject box appea lwith loan number. i followed his instructions. 
after recieving the documents i requested i began my appeal On XX/XX/XXXX i sent it over I have attached the proof. On XXXX XXXX i recieved a letter stating the recieved my request for an appeal and they would get back to me within 30 days. WEll The set a sale date for XX/XX/2019, clearly im within my 30 day review period. no sale should take place, I have been calling the odsbudman dept. i spoke with XXXX XXXX.She told me that they would not postpone my sale because i was not within the time limit for appeal. I told her i was and di send it in so she looked it up and oh ok i will escalate to see if we can postphone sale date. I adviced her that we had very limited time has the XXXX holiday is approaching and the sale date is thje Monday after. She said call back MOnday XXXX, 2019 si i diid this morning only to be told to call back tomorrow There is no time left Tuesday, wensday  thats it holiday come MOnday  morning it goes to sale.
Consumer complaint received 2021-01-25
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. XXXX  has received 90+ requests for these Nissan records in the past 188 days. Upon phoning XXXX XX/XX/21 XXXX 's agent XXXX employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these Nissan records XXXX verified existed.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have sent letters over 120 days ago to this this bureau ( Experian Information Solutions , Inc. ) and the educational institution ( XXXX XXXX College ) and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

Account Number : XXXX
Consumer complaint received 2021-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

A single violin ( " product '' ) was purchased and paid for in XX/XX/2018. XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) failed to deliver the product. XXXX XXXX XXXX was contacted regarding the failure to deliver. When the product was finally received, it was damaged. XXXX XXXX XXXX was contacted again and a replacement was sent. After receiving the replacement, XXXX XXXX XXXX requested that the damaged product be returned to them.The damaged product was packaged and set outside for pickup by XXXX ( XXXX XXXX XXXX agreed to arrange a pickup ). XXXX  never showed up. XXXX XXXX XXXX then ran an unauthorized charge on my account for the damaged product they failed to pickup. This charge was disputed. XXXX XXXX XXXX was informed and apologized. The aforementioned is in writing and is attached. 

Thereafter, XXXX XXXX  XXXX has attempted to collect on the disputed charged for the damaged item they failed to pickup. XXXX XXXX XXXX has sent the non-existent debt to a creditor, Transworld Systems Inc. ( Account XXXX. : XXXX ). Transworld Systems Inc.is attempting to collect on a non-existent debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (FL)

XX/XX/2021 there was 8 transactions that was return in fund XXXX claimed in the receipts. Getting ready to pay team instead of trying doing a new claim that is how to put a XX/XX/XXXX on my transactions which calls me not to be eligible which they do what it was doing they sabotaged my chance and get a provisional credit knowing that I was well enough eligible to be credit.I called time about this XXXX which they knew they made I called and called they hung up in my face said it was something that he can do about it and I would like how King y'all say that when y'all the one that forcefully put my charges on the old claim that was totally different XX/XX/XXXX which was a Friday I called it's supposed to representative they corrected the issue in the dispute team department and told me that I would get a email and a provisional credit on the XXXX which is XXXXi call again on the XXXX to VERIFY THE NEW CORRECTIONS TOLD ME THAT NOTHING DIDN'T CORRECT IT I'M NOT ELIGIBLE AND I FEEL TOTALLY SABOTAGE .AS A XXXX MAN IM USE TO BEING TREATED THIIS WAY AND IM TIRED OF FULL NOT CORRECT IN THESE PREJUDICE SABOTAGE BEHAVIOR ENOUGH IS ENOUGH!!
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I have tried every which way to resolve this almost a year old dispute with Citi to no avail. 

It appears I am getting the runaround. I put the charge in dispute within the 60 days window but Citi keeps insisting to resolve with the merchant. 

The merchant appears to no longer exist and I have reached out to Citi several times and they keep coming back with the same old response like below ... 

" Please clarify if you cancelled with the merchant or the merchant cancelled the reservation. In addition, please provide a timeline of your dispute, the date the reservation was booked for and when the reservation was cancelled, and the dates you attempted to contact the merchant and the merchants response to your request for credit. So that we may further assist you, please provide the requested information by XXXX XXXX, 2020. '' Or like below ... 

" As explained in our letter dated XXXX XXXX, 2020, because we did not receive the information requested in our letter dated XXXX XXXX, 2020 regarding the cancellation of your trip, we did not have sufficient information to continue with the dispute. Therefore, it will be necessary for you to continue to work with the merchant to resolve your concerns. '' I have also tried to call several times but no one responds so I am frustrated. 

This is the 2nd time I am filing a complaint to CFPB on the same issue. The CFPB complaint id for the first time around is XXXX. 

Please help. 

I will also try to reach out to my Senators and congressional representatives regarding this issue. Consumers need protection when there is a clear case of non-compliance. 

I am attaching all the docs and correspondence as reference. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2021-01-22
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. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-01-22
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: ENCORE CAPITAL GROUP INC. (FL)

I dont owe anything else and attached a document as proof. I am kindly requesting MIDLAND FUNDING XXXX Opened XX/XX/2018 agency to remove this collection from my credit reports.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

My identity has been stolen many times, & horrific amounts of my info has been stolen MULTIPLE times by hackers & the data breeches, including XXXX Experian breech & even out of the secret level of the federal office of personnel. I am very careful with the credit bureaus. On XX/XX/XXXX, I lifted the EXPERIAN freeze for 24 hrs, to start Mon XX/XX/XXXX @ XXXX & end XXXX. Today, XX/XX/XXXX, I reviewed my EXPERIAN XXXX EXPERIAN CREDITWORKS files & the recording said the freeze is due to be reinstated on XX/XX/XXXX. Experian has failed to secure my file for 5 days. I have spent 3+ hours trying to address this on line. The FREEZE options are ADD, REMOVE or LIFT, there isn't an option to reinstate the freeze, always looped to a solution that costs money. All phone numbers don't offer replacing the file freeze & all offices are closed. I can't add a freeze because there already is an account with that info.Round & round, & round is their path to their money solutions. If EXPERIAN has a way to reinstate the freeze, I can't find it. Really, shame on them. Thank you
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (CA)

I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my Equifax report. I disputed the item with both XXXX and Equifax. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. Equifax unlawfully combined my credit report into XXXX different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to Equifax and XX/XX/XXXX requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, Equifax has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. Equifax and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my credit report.
Consumer complaint received 2021-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please research the following ( 2 ) hard inquiries : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

On XX/XX/2021 I made two transactions from Xoom XXXX Application which were cancelled the same day. No refund has been made since XX/XX/XXXX. Today 's date is XX/XX/2021 and still no refund has been made to my chase checking account. The two transactions are the following transactionsXXXX with the amount of {$160.00} USD and transaction XXXX of {$160.00} USD.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

I have requested removal of an unverified debt multiple times and have not received any documentation or proof of the alleged debt. CACH , LLC is reporting a collection account on my XXXX  credit report in the amount of {$2100.00}, yet has never provided any verification or validation of the debt, nor responds to my requests for information on the debt. The account was investigated and deleted by XXXX  and XXXX, yet continues to be inaccurately reported XXXX. I have mailed validation request letters, along with copies of the deletion by the other credit bureaus, to XXXX  directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they refused to provide me with any documentation showing they have investigated and verified the account. I have also requested validation of the debt directly with CACH , LLC  on XX/XX/XXXX and XX/XX/XXXX but have received no response. This is a clear violation of my rights under Section 611 ( 5 ) ( A ) of the FCRA and the account must be deleted from my credit profile in order to accurately reflect my true credit history.