davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (CA)

*NEW CASH APP EMPLOYEES SCAM* On the XXXX of XXXX I used the Cash App card for a purchase amount of {$72.00} at " XXXX '' XXXX 
That amount was taken from my cash app balance that I specifically transferred over from my XXXXXXXX XXXX XXXX. The items were delivered within the next few days to one week. 
Today my cash app balance was {$7.00} and I transferred money from my XXXX XXXX XXXX into Cash app in the amount of {$50.00} bringing my total to {$57.00} and I made a purchase. I then transferred {$100.00} from my bank to the Cash App card minutes after. I refreshed the Cash App but my {$100.00} was missing. And instead my balance was {$28.00} meaning that {$72.00} was taken from my account. This is my yet another scam from Cash App companies by its employees that I have began to recognize as a pattern. A week ago my balance was {$12.00} and again I made a transfer but after I refreshed my cash app I noticed it was {$9.00} short. I was able to call and speak to a live person and the person told me that there was a transaction that, " XXXX '' put an authorization on the amount of {$9.00} but decided to release it back into my account and I supposedly used it and so a month later they were taking it out to repay " XXXX ''. This individual emailed me images of my transactions and the highlighted areas showed these supposed issues and I asked if there were any other of the same kind of issues and the agent checked very thoroughly and said they were none, however today chatting with an agent online they attempted to use the same premise with me about my {$100.00} deposit and I explained that I 100 % did not believe them and that I had already been given this speech and I was already told there were no other incidences like this and that the other agent had given me transaction record, but this agent " XXXX '' offered me no solution or help and maintained that there is nothing else they can do so my money was gone. 
For such a larger amount I insisted that I be refunded that they were falsifying records and finding yet another way to take money from people fraudulently. I contacted XXXX and XXXX said they were paid on the XXXX of XXXX through the XXXX of XXXX for these purchases and gave me dates and times amounts and transaction numbers and that they had not reached back out to Cash App company to complain about not being paid. The agent also escalated this to the financial department who will get back to me this week but from what she could see I didn't have an outstanding balance through my financial institutions for any purchases. 
In the past years if I became negative with the Cash App company, it would show up whenever the page loaded right away. Neither transaction that I spoke of showed a negative balance on my cash app page nor did I get any communication from their company regarding this happening. 
These people must be stopped and I recommend that their company be closed down.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SC)

Almost XXXX XXXX years ago I terminated my lease at XXXX XXXX XXXX XXXX NC. I was never late on my rent and the apartment was spotless. I left my forwarding information and never heard from them again. I have over a dozen wittiness plus pictures that my place was very nice and clean. I received a call from Hunter Warfield Inc that I owed {$820.00} for damages. First off over 2 years later and no communication, no itemize documentation of what the {$820.00} was for. It is now showing on my credit. 

Furthermore, my current house management company does walk through inspections every 6 months. I have lived here almost 2 years and they have always told me how great we are and that my home is so clean and well decorate.
Consumer complaint received 2022-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX {$130.00} ( PLEASE DELETE ) XXXX  XXXX XXXX ( XX/XX/XXXX ) CLOSED ( PLEASE DELETE ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX CLOSED ( PLEASE DELETE ) INQUIRIES : XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XX/XX/XXXX ( PLEASE DELETE ) Also, attached is a copy of my new driver 's license, please update my name and remove all old names from my credit file as well. 

Thank you so much for your time and attention to this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX has violated my rights . 

15 USC 1681 SECTION 602 states I have the right to privacy. 

15 USC 1681 Section 604 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2022, I initiated a transfer from my sole proprietorship, small business checking account through XXXX in preparation of closing the account and to bring the account balance to a XXXX balance. 

On XX/XX/2022, called the customer support number for Kabbage and requested the account be closed. First representative I spoke with verified my information and transferred me to another representative who also verified my information. Representative proceeded to inform me that my account was in " lock '' status and I inquired if this was a result of the prior day 's transfer. Representative refused to disclose the reason and indicated that I would be transferred ( again ) to get the lock removed. At this point, I terminated the call and proceeded to file this complaint.
Consumer complaint received 2024-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (CA)

The dental company claims that they billed my insurance, and I still had a balance. However, I contacted my insurance, and they were never billed. I made several attempts for the company to bill my insurance, even in listing the XXXX XXXX XXXX for assistance. They never replied they then sent me to collections. I disputed The Collection and it was removed. Now they resubmitted the collections with another Collection company I disputed that again with a XXXX and for some reason this time they are not removing it.
Consumer complaint received 2022-10-13
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)

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX ). I sent a complaint on XX/XX/XXXX to remove the following items : that are XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint. I am including it again.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account. 

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 an account without my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NH)

In XX/XX/XXXX tried to set up payment plan in debt ex husband XXXX XXXX used credit card. That was not in my legal name. Name was never XXXX XXXX, which the account was opened. I fell behind due to the balance representative from American Express told me I could set up a payment plan if I caught my balance up I did so and they said I couldnt set up a payment plan so representative lied to me. I stopped paying on account in XX/XX/XXXX. American Express sued me in NH at XXXX Superior Court XX/XX/XXXX American Express or their legal team showed. The court ruled in my favor and case was closed. I am now getting new letters from new representatives of American Express threatening to sue me again. NH statute of limitations has passed. I understand it will show on my credit report but they shouldnt be reporting new missed payments, and have new legal teams harassing me after they failed to go to court. Case has been closed. I can reach out to XXXX Superior Court to get the case number.
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act 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. 

1.AXXXX XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXXXXXX, ( XXXX ) XXXX 3.XXXX XXXX XXXX, ( XXXX ) XXXX 4.XXXX XXXX XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act 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. 

1.XXXX XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXXXXXX, ( XXXX ) XXXX 3.XXXX XXXXXXXX XXXX, ( XXXX ) XXXX 4.CXXXX XXXX XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX
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. (CA)

On XX/XX/year> : I had an alert from XXXX XXXX that my XXXX XXXX account is XXXX  days past due. This is inaccurate information. 15 U.S Code 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never informed by Transunion of my right to exercise my nondisclosure option. These consumer reporting agencies are in violation of the Fair Credit Reporting Act, due to not complying with 15 U.S Code 1681b Permissible purpose of consumer reports : They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of FCRA. Furthermore, I did not give Transunion, XXXX or XXXX authorization to furnish my information and whether it be verbal, non-verbal, written, implied or otherwise it is REVOKED.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

For many years, Macy 's continues to add interest to revolving charge accounts even when they are paid off immediately upon receipt of the monthly bill. It is always {$2.00}. They are so used to getting calls disputing this charge that they have placed an automatic message that if the call is to dispute an interest charge, they will adjust the charge as " a courtesy. '' The balance is verified with them prior to payoff and the bills have been paid in full every time. W How about not charging it in the first place? 

Millions of customers that don't check their bills carefully or don't want to spend time on the telephone have been bilked out of millions of dollars. No other credit card company does this. It is time to force Macy 's to halt this practice and refund these " interest fees. ''
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXXXXXX XXXX, many small charges were being run through my Truist checking account and I suspected hacking. On XX/XX/2022, Truist put a debit hold on my account ending in XXXX and opened a new account ending in XXXX. I have a mortgage with XXXXXXXX XXXX that was paid on the XXXX every XXXX by auotpay. Because my account number with Truist changed, I made my XXXX, 2XXXX payment with XXXX manually using the Truist account ending in XXXX. The payment was processed by Truist on XX/XX/2022. Later in XXXX, I got a notice from XXXX that it was charging my account {$25.00}. I called XXXX and ask why I was charged XXXX XXXX.The representative said that I did not disable the autopay and another XXXXXXXX XXXX  payment was sent to the old Truist account ( XXXX ). I told her that my account was hacked and that my account number changed ( XXXX ). She said she could not waive the {$25.00} unless I got a letter from Truist that fraud was involved. The rep at Truist said they are prohibited from issuing fraud letters. XXXX sent the XXXXXXXX XXXX payment by autopay to account XXXX instead of XXXX, causing my XXXXXXXX XXXX payment to be late. When I received notice that the payment did not go through, I immediately paid it manually on XX/XX/2022.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (VA)

Cash app has taken almost {$140.00} from my account claiming in the month of XXXX and XXXX they had an error that caused them to pay merchants when there wasn't funds available so on XX/XX/202XXXX cash  app " updated '' a purches from XXXX for {$95.00} and then another transaction from XXXX for the amount of {$5.00}. I called to find out what was going on received and email about the error and explained to them that none of that could be correct because one I hadn't made a purchase for that amount and the purchase that I had for the amount around that time for and amount close to that which included shipping was refunded to me. They told me they would look into it but it could take up to XXXX days before I get my money back even when it's not the merchant taken the money. XXXX Friday XX/XX/2023 I get another deposit of {$100.00} and they have another " update '' from XXXX which again I'm not seeing any orders for the amount they are charging me for in the amount of {$34.00} that was taken out my account again for claims of payments that didn't go through so I call and at this time I told them they are just stealing money out of my account. They continue to claimed they don't have a XXXX that I should receive an email and XXXX of the reps hang up the phone on me even when I wasn't being irate. They are just stealing money with no proof of these transactions.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I Logged in to make my XX/XX/2021 payment and saw a negative escrow balance of {$2600.00}, this is reflected in a statement from XX/XX/2021. That amount came down to {$2100.00} after that payment got posted, I assume this was due to the escrow amount we pay in our monthly payment. This is reflected in the statements. 



After doing some research I have notice that the {$2600.00} is something I can not account for in any closing documents or statements, other than the one from XX/XX/2021, that shows the negative balance in the first place. 



Applied Date Type Description Amount XX/XX/2021 Escrow Escrow Advance {$2900.00} XX/XX/2021 Insurance Paid Homeowners Insurance Disbursement - {$2900.00} XX/XX/2021 Escrow Escrow Advance {$2600.00} XX/XX/2021 Taxes Paid Tax Disbursement - {$3800.00} Looking at these numbers, we had enough in our escrow from the old loan to cover the property taxes for next year on this new loan. I am not entirely sure where that escrow advance came from on XX/XX/XXXX. There is no indication that we were shy on this account. I can only figure that we should have had a {$0.00} balance when the property taxes got paid. This holds true because Caliber sent us a refund check for the difference in property taxes year over year ( {$4700.00} for last years taxes ). The only source of insufficient funds were for the home insurance, since the premium had not been known, for the next year, at the time of closing. That explains the $ XXXX and we recognized that we owe that. Its the advance I need answers for. What is it, how did it come to be, what was it applied to, why werent we notified? 



To that account, our closing documents say that we made a {$1200.00} payment to cushion the escrow account at closing. I do not see that value in our escrow activity on the new loan, either. This is under Additional Information About This Loan on our Closing Disclosure document. Factor that in and we should really only have a negative balance for the difference in the cost of the home insurance policy from last year to this year. 



Something was either miscommunicated to us in regards to our escrow and closing costs or something was entered incorrectly. I need to know how we rectify it and what this is going to do to my payments going forward.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (SC)

My Sister Was Under Age And Using Me As A Guardian For Her Cash App My Account Is Locked For Whatever Reason And She Had Money On It And I Use My Cash App To Get And Send Money And I Cant Do ThatAnd It Has Almost Been A Month No One Has Contacted Me Or Nothing Yet Why Is It Taking They So Long .People Have Lives And Bills They Have To Take Care Of Im Very Mad
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

XXXX XXXX  -a payment of was sent to the wrong recipient. Support was notified immediately. No response was provided until XX/XX/2023. The advice given was that a refund could not be refunded because the transaction was completed on XX/XX/2023. The transaction was actually showing as pending. Support instructed me to request a refund from the ( incorrect recipient ) recipient. I requested the refund on XX/XX/2023, the same day the money was sent. Request was denied by the recipient after 2 weeks of waiting. I've sent refund request again and continued to contact support. The transaction was shown as completed once the refund was declined. The was in a virtual holding spot for several weeks and has not been refunded. Please assist with the matter.