davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/year>, I deposited a security deposit refund check of {$4800.00} into my checking account with Huntington Bank. The funds were placed on hold until XX/XX/year> until the money cleared. I was then locked out of my account starting XX/XX/XXXX, and when I called XXXX, they explained that they had reason to believe the issuing bank would not payout the amount of the security deposit refund check, which does not make sense because the check is legitimate. As of XX/XX/year>, I called them again and have been told that my accounts will be closed, that XXXX be receiving a check in the mail will any remaining funds, and a letter stating the reasoning for the account closure. XXXX concerned that the deposit I made for that check is in limbo and will not be credited to me.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX law offices has recently taken money out of my checking account and put it on hold. I can no longer use my account or receive any money and get paid from my current job. They are saying that I owe {$11000.00} in debt to a target credit card that was opened in 2007. I have no recollection of ever owning this card and owing any money on it. When I looked up my case number on the clerk of courts website, the history on this case doesnt make sense. There are certain documents where they are saying that the person that was served as a XXXX female with XXXX hair. I am a XXXX female with XXXX hair. it also said the surname was XXXX. That is not my surname.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
DISCOVERBANK XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

I am requesting an investigation of Affirm on my credit report under my rights provided by Section 611 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following item ( s ) that I believe to be inaccurate, incomplete, or unverifiable : The XXXX XXXX breach compromised my credit report as a result I was denied employment and Housing.
Consumer complaint received 2024-08-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AZ)

My parent ( the primary leaseholder ), my sibling, and myself were tenants at the XXXX XXXX XXXX, also as known as, XXXX Apartments and moved out in XXXX of XXXX. The primary leaseholder was notified of the outstanding balance via email and phone, and disputed it verbally with the apartment complex. However, I was the sole inheritor of the debt as a secondary leaseholder. Regardless of the outcome of the dispute between the primary leaseholder and the apartment complex, I should not have received the collection debt. The collections agency IQ DATA INTERNATIONAL INC opened a {$550.00} collection on XX/XX/XXXX. This debt showed up on my credit report as a derogatory mark on XX/XX/XXXX, and took my credit score down XXXX points. The other tenants, including the primary leaseholder, did not receive the collection debt amount nor the high-impact derogatory mark on their credit reports. This collections debt was sent to the wrong account, and has affected my ability to build my credit back up greatly. Furthermore, this is a stain on my report and will affect my ability to sign leases elsewhere.
Consumer complaint received 2024-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

My mortgage was recently sold to Shellpoint mortgage. I tried setting up the account online but their new website wont find my loan. When I try talking to someone on the phone none of their options lead to a representative, just information from the robot. On social media their chats just automatically reply to call us. I cant get a hold of them to pay my mortgage
Consumer complaint received 2024-07-01
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

XXXX has allowed DEPT OF EDUCATION/NELN to report my account 150 days late, but this account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 0 late payments being reported. I would assume it is impossible to report an account to have 7 late payments and 0 late payments with the came creditor for the same dates. With it being late on XXXX but zero late payments on XXXX. The error is illegal and unethical XXXX failed to an investigation. DEPT OF EDUCATION/NELN failed to perform an investigation. The incorrect late payments has been damaging to me. Remove incorrect accounts immediately. I called DEPT OF EDUCATION/NELN representative confirmed that the late payment was incorrect she stated it will be updated, but it has not yet been updated.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MI)

On XX/XX/year>2021 I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit. Citi bank has responded in saying that they needed more paperwork before they could take the money from the sub ledger account and transfer it back to my bank. I have confirmation that Citibank has received that paperwork. I am asking now why or when the money is going to be transferred/wired back to the sender? Now that all the paperwork and criteria they stated they needed in the last response has been meant they should be able to send the money back.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc. (TX)

XXXX My account would not allow me to use any of the application features so i reached out to customer support. I was told that the matter would be escalated to another and that I should receive an email by the end of the day. 

XXXX I had not received an email so i reached out to customer support on the app only to be told the same. I then called customer support only to be told the same but also that I would have an email back by the following day at the latest. 

XXXX I had still not received the email so I reached out again through the app and was told that I still could not be helped and that they had no update. 

XXXX I received a direct deposit from my employer and then an email and text saying my account had been suspended due to suspected fraudulent activity and that it would be unlocked in 24-48 hours. Again I reached out to the provider through the app and was told the same thing that the text told me. 

XXXX I received a text saying my account was unlocked and it could be used but when i attempted to use it I had the same result of when the account was suspended. Again I contacted customer support, but I was told they could not help me. 

XXXX I contacted customer support again through the app and searched for alternative means of communication since they were not taking phone calls. I had no successes and was again told by customer support through the app that I can not be helped. 

XXXX Again I contacted customer support about the same issue and again I was told that I can not be helped. I still have not received the email I was promised would take no more than 48 hours.It has been 72 hours since I was told I would receive an email. It is not in my spam or junk mail and was not overlooked. The correct information is on file. 

During the course of my patience with this provider, I have had bills due and my children at home hungry. I have voiced this to the customer support but have not had the case escalated or rectified.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2022, XXXX XXXX sent me {$45.00} dollars. Identifier Number XXXX. This is with Cash App. On XX/XX/2022, at XXXX AM I called Cash App... no one answered the phone. So, I sent a text message on XX/XX/2022, I called Cash App and spoke with a " XXXX ''!! XXXX, is the one who fixed it where it showed " Received '' and NO Money went into my Bank. On XX/XX/2022, I called Cash App and spoke with " XXXX  '' she told me to Re-Boot my Cash App Account ... and it messed it All Up. at XXXX AM I called Cash App again on XX/XX/2022 ; and spoke with a " XXXX '' and he was giving me the run arounds. So, I asked to speak to a Manager and he said NO Managers was Available. At XXXX PM I called Cash App again on XX/XX/2022 ; I spoke with " XXXX '' ... and I got the run arounds again from her. After XXXX PM i was still receiving text messages from " XXXX '' asking me to send a copy of my Drivers License the front and Back and other stuff... this is when My Niece said don't answer them back because they are scamming me.
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was purchasing online goods from a vendor I had met via social media, I had previously bought from this person and they had turned out to be legitimate. I recently sent him XXXX XXXX via cashapp for an online program but did not receive it at all and they ignored me. I already marked the transaction as a scam on cashapp and requested a refund. I also sent support a message asking to dispute the purchase but I read online that cashapp does not usually give refunds for scams or fraud.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block these accounts from my report. Also, this accounts are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

CITICARDS CBNA XXXX, CITICARDS CBNA XXXX
Consumer complaint received 2024-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (TX)

STOP FORECLOSURE : This is my XXXX where I'm raising my XXXX girls, and I intend to stay and work with the lender on a solution. 
Nationstar XXXX Rushmore XXXX is practicing DUAL TRACKING- I submitted for modification and they are reviewing and posting my home for foreclosure XXXX XXXX I submitted a Loan Modification Application to the lender Rushmore XXXX Nationstar and XXXX was under review XXXX XXXX, XXXX - Their attorney XXXX XXXX, XXXX and sent me Notice of Foreclosure to take place XXXX XXXX XXXX, XXXX - I called Rushmore XXXX to get status on the modification and let them know that I received Notice of Foreclosure, they said they reviewed and denied the modification on XX/XX/XXXX, they never mailed me that letter, so I had the representative email that to me, which I did receive. 
XXXX XXXX, XXXX - I responded in writing and submitted a Notice of Appeal of the modification denial via fax, email, certified mail within the 14 days of the denial letter Initially, In XX/XX/XXXX, the servicer Nationstar made an error when they transferred the loan servicing stating incorrect monthly payment and interest rate on the monthly statement. I gave them formal notice of dispute of this error, they ignored me, which then created a hardship for me. Because they told me that the only way to modify the loan would be to not make payments for 90 days which then ruined my credit. They did not correct the error and continued to bill me incorrectly. This has been going on for over 12 years now, I've attempted and even signed a modification agreement, and they did not honor or implement this modification in XXXX.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I received a XXXX indicating that I had a {$25000.00} balance regarding a CashApp account that had been set up suing my personal identifying information. I have no affiliation with this company and I am not aware how they got a hold of my personal information. I have contacted XXXX and they have opened up a dispute with CashApp but they do not have a valid phone number to be able to get through to a live agent and I continue to get the runaround. A fraud packet was sent to their fraud department on XX/XX/XXXX and per the tracking number : XXXX XXXX XXXX XXXX XXXX the documentation was received on XX/XX/XXXX at XXXXXXXX XXXX via their Cash App address XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This has been an ongoing investigation resulting of no response from this company and I want to confirm if they have received my fraud package and acted against this account that I have no control over. 
This account was opened some time in XXXX and I did not become aware of it until XX/XX/XXXX. The Account # : XXXX. I have set up fraud alerts with the three major credit bureaus and need assistance with the closure of this fraudulent account.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (NM)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX Concrete XXXXU v. XXXX, XXXX Haw XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests XXXX result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

Cash App money transfer I made for {$300.00} on XX/XX/2022 @ XXXX EST was withdrawn from my bank account but the recipient never received it. Cash App refuses to refund the money. The receiver also contacted Cash App- they can not offer proof of completing the money transfer to the receiver ' s account name : XXXX XXXX
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (CT)

Marcus by Goldman Sachs is committing XXXX  crimes to hold on to client 's money. Please investigate them. Today I had the same problem with them that I have had XXXX times in the past XXXX months ; once was with my mother 's account. She is an elderly woman and I was consolidating her accounts so that she could pay her rent and Marcus called the funds back FOR NO REASON. 

I had A CD maturing on XX/XX/XXXX at Marcus. I asked them to put my cash proceeds of this CD into a market money market account, which they did on the XXXX. There is NO settlement issue as the cash is coming from a Marcus CD and going into a Marcus account.

I tried to transfer the cash out of Marcus as they are crooks. I transferred $ XXXX to XXXX and $ XXXX to XXXX. BOTH TRANSFERS WERE CALLED BACK FOR NO REASON WHATSOEVER OTHER THAN THEY CAN NOT LET MONEY LEAVE THEIR GREEDY LITTLE HANDS. THERE IS NO REASON that that cash did not settle. Marcus was holding my cash and they refused to transfer it out. 
IT IS XX/XX/XXXX and MARCUS CALLED BACK A TRANSFER DONE ON XX/XX/XXXX. 



For some reason they could not text me a XXXX time code ( although I had just received on to view my account ). The customer service rep said that the only way he could verify me was by calling me back ( " I will call you back in XXXX minutes '' ). That was XXXX minutes ago. 

When i did not receive the first call back, i called again and spoke with XXXX. He gave me the same XXXX  - he asked for me social security number, birthday, secret word and THEN said that he could not verify me and because he could not verify me, he could not send my call to a supervisor. I called Marcus to ask for help and they spent XXXX minutes " trying to authenticate me '' and they told me that they could not authenticate me using my driver 's license because I was from XXXX (! ) He said that I would get a call back from a supervisor in XXXX days! ~!!!! Meanwhile I desperately need that money and they will not help me! THIS IS LIKE A THIRD WORLD BANKING PROBLEM.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

Repeated recorded message : " This is XXXX XXXX calling form Harris and Harris Limited. '' I have asked them to stop. They requested payment for a debit I don't have. I told them to send me any outstanding invoices. They asked for additional private information from me which appears to be the same tactics of a hacker. They are unable to validate any information to establish who they are and what business they have with me.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.