davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-06-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

XXXX and XXXX XXXX are borrowers on a HAMP agreement with Nationstar. The borrowers were in a foreclosure lawsuit in New York and the matter was adjudicated and an appeal is pending in Appellate Division, XXXX XXXX The borrowers were making their payments electronically and attempted to make the XX/XX/XXXX payment but was restricted. A 3-way call was made from the XXXX XXXX XXXX XXXX XXXX. XXXX with the borrowers and a representative from Nationstar, who verified that a code had been placed on the file and it had to be resolved through the legal department. The borrowers ' attorneys office sent emails to the bank 's attorneys explaining that if the borrowers are restricted from making payment it could trigger a default and caused the borrowers to be at risk of foreclosure. On XX/XX/XXXX, XXXX XXXX, XXXX. with the XXXX XXXX XXXX  XXXX XXXX who represents Nationstar in the appeal contacted XXXX XXXX, the loan processor with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX who represents the borrowers to inform her that she needed a Stipulation to Withdraw the Appeal signed since the borrowers are in a permanent agreement and that she had spoken to the legal department of Nationstar to remove the " code '' so that the borrowers could make their XX/XX/XXXX payment. On XX/XX/XXXX the borrower again attempted to make the XX/XX/XXXX payment but there is still a code restriction on the loan. Because New York is a judicial state all mediation and loss mitigation is handled by the attorneys so servicers, banks, and investors will not communicate directly with the borrowers. Such restrictions put the borrowers at risk in such cases where payments have to be made or loan processing is retarded by law firms who are not underwriters and delay in forwarding paperwork to the bank. The borrowers have been restricted from making their XXXX payment because the bank 's attorneys want a signed stipulation withdrawing the appeal since the matter has been settled. Because Nationstar does not want to continue to pay attorney fees it is forcing the borrower 's attorneys to sign a stipulation and have put the borrowers at risk of default. Attached are my supporting documents and this matter has to be investigated so that the borrowers are not put at risk because law firms are bartering them as collateral damage. The borrowers have spent thousand of dollars in foreclosure defense fees and should not be placed with such imminent threat of financial burden.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from transunion, XXXX XXXX XXXX I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly XXXX It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I created a cashapp account in XX/XX/2022 and forgot the email. I have attempted to login using the need help option, and am told they don't have enough information to prove its my account. I have also attempted creating a new account and contacting customer support as the app suggests, but get no response. I feel like this is fraud because I have money on my account and they will not assist me with gaining access to my account.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (GA)

Since using Cash App direct deposits to receive my paychecks, they have taken {$59.00} out of every paycheck Ive had direct deposited into my account for a total of {$880.00} when under their terms theyve acknowledged and provided a public document stating there are {$0.00} in fees for direct deposits and no fees should be taken from them. There is XXXX percentage rates or fees for anything other than their instant money transfers.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

XXXX of XXXX  I found out a business had been started in my name without my knowledge of consent. This began my identity theft. In XXXX a business loan was shoved down my throat where the lenders XXXX  XXXX  obtained my username and password to my XXXX  XXXX  acct. i am mentally XXXX and on XXXX XXXX  XXXX  and in no mental state to make any financial decisions on my own. I dont even remember agreeing to anything honestly. {$5000.00} was put into my XXXX  acct and then quickly removed. I attempted to call them to see what had happened and received no response. The next day my bank acct was closed due to suspected fraud and multiple ip sign ins from not only me but from New York and XXXX. In XX/XX/2021 I went to send money from my Cash App just to be told I had no funds available in my acct. this was inaccurate because I had over {$500.00} in there. When I contacted Cash app I was told that a XXXX  XXXX had been put against my acct to collect BUSINESS RECEIVABLES despite the fact that this is a PERSONAL ACCT that collects no business receivables because I had no business. I was told to contact XXXX XXXX XXXX  which I did and they demanded copies of all bank statements and that I pay {$14000.00}. I advised them that I saw none of this money and that I am XXXX and own no business. I have made dozens of attempts to get my money out of the XXXX XXXX XXXX XXXX totaling {$540.00} but they refuse to acknowledge me and tell me they are escalating the case and that Id get a response via email. However, when they do respond I get the same exact email everytime and when I respond to the case XXXX MINUTES LATER, they send another email saying that since I havent responded in 3 days they are closing the case. This has happened over XXXX dozen times in the last year. In addition, XXXX months ago cash app notified me that they were closing my accts due to illegal gambling. I havent been able to move a XXXX in my accts in OVER A YEAR! They also gave me the option to cash out my money but when I try to do that it says this cash out has failed and now they locked my accts. Ive just recently tried again to contact them and Im still getting the run around. It has been 13 months of this now. They still will not release my money to me.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (OH)

I had unauthorized charges toward my cashapp account and they denied my claim twice. The charges were from XXXX XXXX they charged my account for {$50.00} 15 times within 4 minutes. On XXXX XXXX, I went to the ATM to get out {$200.00}, upon receiving that {$200.00} and my receipt I saw my balance was less then it should have been with the money I removed. I then looked at my cashapp and saw that in between me at the atm which was around XXXX XXXX  XXXX, that the unauthorized purchases from the merchant above happened from XXXX and XXXX XXXX. I immediately locked my card when I saw this and cancelled it and requested a new card. I then contacted cashapp to dispute the fraudulent activity. They denied my claim in the 3 day investigation, I called multiple times to speak to a manger or find out why it was denied but no one would give me clear answers or get me a manger. On XX/XX/2022 I spoke with a rep that eventually hung up on me not helping resolve my issues when I called back I spoke to another representative that was able to put the case up for a second review. On XXXX XXXX I received an email that the claim was once again Denied. I dont know who this merchant XXXX XXXX is or how they got my information to charge my account, it was not me and my hard own money was taken and cashapp would not assist me. At this point I feel like cashapp if fraud and they took the money
Consumer complaint received 2022-11-25
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. (IA)

On XX/XX/XXXX or XXXX XXXX took out XXXX Without authorization I called cash app right away when I seen pending transaction they said I had to wait until it posted on my account but try to call the company 1st I did call the lady said it would be back in there in 7 days well guess what When I talked to cash app they told me to wait near everything we went ahead and canceled that old card out and got a new one going back but they denied my 1st refund cash app dead for {$55.00} XXXX keep fighting fighting fighting I didn't authorize it and I should have got my money back from cash app since the company lied to me and then after looking them up it says they're a scam So I need your guys 's help to get that {$55.00} back in my account
Consumer complaint received 2022-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OK)

My concern is with BLOCK, the company responsible for CASH APP. I have determined that my personal financial data is being held hostage by their software. I should be able to connect cash app with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or other XXXX XXXX  software. I am certain that if I started a class action lawsuit, other organizations such as XXXX, XXXX, and various banks with financial management software would join. It should not have to come to that. As far as I know, there is no other organization that traps consumer financial data in this way. Yes, it is possible to go to the Cash app website, download a data file and then hopefully upload it into some other software, but the process should not be unduly difficult in this way. There is on mandated standard data format for personal transactions. Thousands of banks participate in the PLAID data verification system, but CASH APP is notoriously absent. If BLOCK is going to be allowed to function like a bank, they should be expected to give people easy access to their personal transaction data like other similar organizations. 

These are the types of issues that the CFPB should be involved in.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CapitalJ Inc. dba Juno (CA)

I have the Juno/ XXXX bank account since XXXX. Since XX/XX/XXXX, they suddenly froze my account and stopped the automatic payment and ACH transfer without any notification ahead of time which caused a lot of problems. I have $ XXXX in the account. I am wondering when I could withdraw my money?
Consumer complaint received 2022-11-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (CA)

It all started with a refund that they didnt want to refund. Then I experienced a situation where they were discriminating against my XXXX, and were telling me that I needed to follow some steps, regardless of the issues that I was having informed them that I could not read, and if they could call me in for me, and then they just change the subject of the matter and then they just, in when I say they I mean cash app cash app which is say it was either suspicion of fraud, or it was unusual activity. And theres even been times where my card had no choice but to cancel that we order another one and then I would have to wait the 7 to 14 days to get a new card and then I would experience several different issues with the digital wallet of suspicion of fraud or unusual activities on a brand new card that I was forced. And then the address they couldnt guarantee that the card could come there. I also had informed Cash App that per my policy of dealing with customer service. If my standards arent met, I charge a fee for that I charge a fee for discrimination. I charge the fee for hold times I charged a fee to speaking to a I instead of capable human beings, I charge a fee for incompetence, and I charge fees for whatever they might be Ill inform them, and then, depending on the next following statement, whether theyve complied or not, the charge will be made or not, and they have several charges And havent paid any of them I would like the charges paid in full, or I would like them to tell me why I got in a court of law and I plan on asking for more than {$10000.00} so a meeting about redress negotiation, mediation, conciliation, arbitration or private judgment is going to be sought after and needed Immediately I charge {$20.00} XXXX if this is a headache by the time I get to court I will be {$20.00} XXXX of my my needs are not that before that and before then I mean within 24 hours. I could be contacted at XXXX or you can reach me at XXXX, I would like a XXXX  of this message to go to the XXXX  officer XXXX last name XXXX I would also like XXXX XXXX XXXX to be notified as well as XXXXXXXX XXXX. I plan on sending out a mass email to the XXXX XXXX users for XXXX XXXX card holders, if my needs are not met, I want a copy of this sent to XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX as well as the XXXXXXXX XXXX  location I believe is XXXX cultures the XXXX XXXX. as well
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I write to ask the CFPB to sanction Nationstar Mortgage which holds the mortgage for a single family house at XXXX XXXX XXXX ; XXXX, GA XXXX. I also seek reimbursement for the cost of a survey and any code violations that I may be required to pay for not having the survey of the property that Nationstar said it had emailed to me. The account number with Nationstar is XXXX. ( NB : this account is for XXXX XXXX XXXX. One of your forced choice answers on this CFPB form distorts this information. ) Please also sanction Nationstar for unfair, deceptive and abusive practices. I was lied to and Nationstar disconnected me and refused to allow me to speak to a supervisor when I asked to a dozen or more times. A little while ago, I telephoned Nationstar Mortgage 3 different times. The first time, I was lied to. The second time, it hung up the phone. The third time, Nationstar put me on hold while it refused to allow me to speak to a supervisor. The first time I spoke to Nationstar, I was told by its representative that she would email me a copy of the property survey it had. However, she lied and did not send it. Instead she sent a copy of an old appraisal with no survey included or attached. The second time I called Nationstar, I asked to speak to a supervisor. The person I spoke to refused to transfer me to a supervisor and talked incessantly without transferring me. Eventually, the call was disconnected by Nationstar. The third time I called Nationstar, I again asked to speak to a supervisor. The representative refused to transfer me to a supervisor and also talked incessantly while refusing to transfer me to a supervisor. I hung up the phone since I called from work and it was clear that Nationstar would not allow me to speak to a supervisor. Among other things, to stall for time, Nationstar kept asking me to repeat why I wanted to speak to a supervisor. Although I answered this question in each of the 2 phone calls in which I asked for a supervisor, they then wanted to chat some more, asked more questions and generally dissembled and refused to transfer me to a supervisor. I need the survey to make timely repairs to the house. It is required to get a building permit. Please make Nationstar email me a copy of the survey as it originally said that it had. Please also sanction it for lying, wasting time, dissembling, causing unnecessary expenses, and not allowing me to speak to a supervisor when I asked repeatedly for one in two different telephone calls to it.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently checked my credit reports and noticed billing errors, incomplete and inaccurate information. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (GA)

Currently, I am unemployed and facing XXXX XXXX I have an Involuntary Credit insurance for the loan XXXX XXXX XXXX. I submitted the paperwork to XXXX XXXX to begin paying the loan as of my last day of work XX/XX/XXXX. I spoke with corporate customer service about credit insurance, being unemployed and the to end the draft from my account. 

I received a letter dated XX/XX/XXXX stating a refund of {$800.00} was due. Once receiving the refund, the check was for {$600.00}. No explanation was provided for the lesser amount. And, OneMain continues to draft my account for loan payments even though I requested a halt on the draft. My accounts are overdrawn due to the continued drafting of my accounts. 

This company is difficult to work with and provides poor service after the loan process. I would like the full amount of {$800.00} refunded. I would like compensation for the overdraft fees caused by the continued drafting of my account.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disagree with the account listed below, which still appears on my credit report even after I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account along with original contract, wet signature, and I.d verification so that I may follow up. Additionally, please send me an updated copy of my credit report after your reinvestigation.

As I have not supplied proof under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt exists, and therefore, no such debt exists.

This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my credit report.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Why are these negative accounts still on my credit report. I have sent several letters for these accounts since XX/XX/XXXX but they still have not been removed. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$19000.00} XXXX XXXX XXXXXXXX. XXXX, XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX  XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX. XXXX, XXXX {$520.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX