davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (AR)

I have been charged twice for 3 transactions from XXXX. One was on XX/XX/XXXX ( {$98.00} ), another on XX/XX/XXXX ( {$370.00} ) and the last one was on XX/XX/XXXX ( {$110.00} ) which is a total of {$590.00}. I was notified on XX/XX/2023, that XXXX updated my 3 transactions this morning and my balance went from {$1300.00} to {$720.00} ( {$590.00} missing ). I called XXXX and they told me that they didnt update any of my transactions today and that I didnt owe anything. I spoke to 3 customer service reps that work for XXXX and they said Cashapp has been having a system issue where they are processing old transactions that are about a month old and saying XXXX is the cause. They have been getting calls for the last week from other customers with the same issue. So I called Cash App, and the first rep told me it was XXXX who never received it and thats why my money is missing. The second Cash App rep told me it was not Walmarts fault its actually Cash App. The last customer service rep I spoke to told me that it was never deducted from my account even though it was. 

Below I attached proof that not only did I pay those amounts and they were deducted out of my acct but also proof from XXXX stating that it is Cashapp 's fault. 


The screenshot of the messages I received from Cashapp let me know how much was deducted from my account from XXXX and when. The one on XX/XX/XXXX was originally {$450.00} then was updated to {$370.00}, which XXXX refunded me the difference of XXXX on the XXXX of XXXX. The screenshot of the message I received on XX/XX/XXXX was confirming that I spent {$120.00} the was updated to XXXX and they refunded me the difference. 


I also attached proof that Im not the only one missing money and havent got it back. Its all over the internet of Cash App stealing people 's money and either saying XXXX never received it or that XXXX did receive it, Cash App just never took it out of their account. I already paid for everything over a month ago, all {$590.00} worth. The issue is with Cash App, not XXXX.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter from Chase XXXX services stating I was denied their credit card. I informed them that I never applied for their Chase Freedom XXXX. I was told someone on Saturday, XX/XX/2021 appled for the card. I was in the XXXX XXXX XXXX library that day using the computer which I realize is not that secured. It had to happen on that day. Chase wrote me a letter on XX/XX/2021 outlining steps I need to proceed. I was told to go online at XXXX and start the paperwork. 

I check all my other accounts and nothing is happening in terms of theft. I would prefer only a temporary fraud alert at this junction.
Consumer complaint received 2015-09-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION (TX)

I was recently informed by a potential mortgage company that there is a judgement against my husband for over {$4300.00}, it was filed on XXXX XXXX, 2008 by CACH , LLC for XXXX Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, XXXX bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

This is my second complaint against Suntrust/Truist bank XXXX My first attempt ( complaint number XXXX ) was not resolved. I have been trying for nearly a year to get the unnecessary PMI removed from my mortgage. The response by Suntrust indicated that I must send in a written request, along with a check for {$100.00} to cover the cost of a Broker 's Price Opinion. I sent in both of those items on XX/XX/XXXX, and to date I have received no response from the bank. It's clear that Suntrust has no intention on giving up my involuntary $ 170 monthly donation of to their bank. If I had the money to sue, I would, but the CFPB is my only chance at forcing this bank to do the right thing. We initiated this process in early 2021 and they refuse to respond. We have called, gone in person, sent secure messages ( at their direction while on the phone with them directing us ), and have had them directly give us incorrect information and then laugh about it when we tell them we followed it ( why would you send us a secured message, that's a joke, we don't look at those ). They are making money on refusing to respond to this. We want them to have to give us back our PMI all the way back to XXXX 2021 from the time they should have responded. We have offered to pay for the broker 's opinion that is needed. We are NOT asking for the automated statutory PMI process to have the PMI drop - that was another excuse they gave us for delay. After 6 months of asking they sent a letter saying we had asked for that and we didn't quality- NO. We are NOT asking for that, nor have we ever. We quite literally have been asking for the independent broker 's value opinion. We want them to send an independent broker out to get their independent opinion- as is required - on the value of the home RIGHT NOW, so that the PMI can go away that we should not have to be paying every month. This bank is avoiding and lying to us on purpose and we need help. Please help, thank you!
Consumer complaint received 2021-12-14
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. (NC)

I recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get as well.
Consumer complaint received 2019-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This complaint is directed to Specialized Loan Servicing LLC also known as SLS associated with loan # XXXX. This has been an ongoing error and quite frankly very upsetting, which has not been resolved whatsoever. I have an 'approved ' loan modification with SLS , which was established in XXXX, XXXX and filed with my local county administration office ( See attachment ). 

I keep receiving letters from SLS ( XXXX ID : XXXX ) of the resolution dept.,  stating that I am requesting loss mitigation assistance and that my application is in review. Where she received that information is a complete mystery to me because I have never asked for any assistance. As stated above, I have been approved in XXXX, XXXX and have been making monthly payments ever since. 

I have talked to XXXX, ID : XXXX on several occasions and she assured me in our last phone conversation that this matter would be resolved on XX/XX/XXXX due to their 30-day cycling concerning their computer system. Well, that date has come and gone with no results whatsoever. The latest letter ( see attachment ) from XXXX is dated, XX/XX/XXXX stating the same error message about needing assistance. 

See attached letter dated XX/XX/XXXX from XXXX, ID : XXXX from the customer support dept. stating " my correspondence received on XX/XX/XXXX was initially 'coded incorrectly ' in our system. '' XXXX also states, " Please except our apologies for any confusion this matter may have caused. '' Whatever letter XXXX, ID : XXXX is referring to was totally misinterpreted by that department. Their administrative system is in need of an overhaul. There is no communication whatsoever between their departments. 

I would appreciate the Consumer Financial Protect Bureau help in this matter to get this problem resolved once and for all regarding Loan # XXXX.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I was pressured into buying a timershare from this company by their sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the XXXX hotel located in XXXX XXXX, little did I know that this company is a scam, when I tried to use the timeshare it was never available so I was paying for something that I never got to use. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as { {$200.00} } credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I decide to resale the timeshare in XX/XX/XXXX with the same XXXX company, ended up having to pay extra just to put it for resale with them. They said would only take XXXX months to sell and it has been XXXX years and it still hasnt been sold. They never provided me the disclosures to opt out of sharing my information with anyone and they have been sharing With these credit agencies my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Ive tried addressing this issues disputing with the agencies and it still hasnt been resolved.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : XXXX XXXX, Citizens One, XXXX XXXX and XXXX XXXX. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.
Consumer complaint received 2021-12-14
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. (FL)

I found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I've sent information that was required online by Equifax to get my annual free report and have not received my annual free report from Equifax. A recent purchase agreement I made stated my Equifax score is XXXX. XXXX has my score as XXXX. Such a discrepancy needs to be investigated. XXXX XXXX shows my Equifax score to be XXXX. 
Need help to resolve Equifax reported score of XXXX to XXXX as opposed to Equifax score with XXXX XXXX of XXXX.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resolve Partners, LLC (NC)

XXXX XXXX is the XXXX, and XXXX in the State of North Carolina. 

The XXXX XXXX apartments are located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone : XXXX. 

Based on my analysis of this situation, I hereby submit this complaint against XXXX XXXX, manager of the XXXX XXXX apartments, and XXXX in the State of North Carolina. 

Here are my thoughts. 

It appears as though management and or other personnel of the apartments did willfully and intentionally alter our lease at the apartments without our knowledge and approval. 

It appears as though management and or other personnel vandalize the carpet in the apartment that we rented and vacated at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, XXXX XXXX XXXX XXXX, XXXX NC XXXX, phone : XXXX to collect payment from me for damaging said carpet and violating said lease. 

Based on my analysis of this situation, I hereby submit this complaint against Resolve Partners. 

Here are my thoughts. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX XXXX with no substantiated proof of wrong doing by me.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I paid off my Bank of America Auto loan in full on XX/XX/21 using a payoff quote provided to me by the bank. I receive a letter from the bank on XX/XX/21 confirming my payoff, title release card and the notification of the closing of the account. However, out of the blue, my account appears to have been reopened with a principal balance of {$99.00} and interest on top of that, without any explanation of why the account was opened again and the justification of the principal. 

XXXX Statement Summary : Ending principal balance : {$12000.00} Payoff balance : {$12000.00} Payoff good through : XX/XX/21 XXXX Statement Summary ( there was no XXXX statement ) Payment ( XX/XX/21 ) : {$9500.00} -- -- {$9500.00} towards principal and {$20.00} financial charge, i.e., {$2600.00} would be the remaining principal balance Payment ( XX/XX/21 ) : {$2600.00} -- -- this was based on the payoff quote giving by the teller, which would include the interest of {$0.00} for the 4 days ( XXXX ) Payment totals : {$12000.00} ( Note that this is just {$4.00} less than the XXXX statement payoff quote ) However, the XXXX statement has a new principal of {$99.00} and a payoff balance of {$100.00} which are not justified by any means. This is clearly an attempt by BofA to extort money/fee from unsuspecting customers. My fear, is that being a paperless customer, had I missed the emails and the fact that my account was reopened, I would have defaulted on the account for no fault of my own, impacting my credit worthiness potentially costing thousands of dollars in my lifetime and that is not accounting the time spent to resolve this issue and future issues that would have stemmed out of this. 

NOTE : the bank issued a case # : XXXX, acknowledged that the math does not add up, but has refused to accept or own the issue and has made vague promises of follow up but not necessarily resolution.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have had XXXX XXXX XXXX since XXXX, I have a lot of inaccuracies on the accounts due to late charges that they have placed onto the account they have had me to pay those amounts many time and my credit report never reflects what happened in the corporate office on their end, 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 they told my daughter they were only moving those couple payments to the back of my loan so the late fees wouldnt be deducted from the payment and they put be in another loan for 5 years so I am stuck with a vehicle I cant even trade in even back into them or refinance they have violated all the law of my consumer rights. This creditor has placed inaccuracies on my credit reports on all bureaus, and that is a violation of my frca consumer rights 15 U.S.C CODE S 1681 AND 15 U.S.C S1681s-2 and 15 U.S.C S 1681a.I needs to be removed