davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP (FL)

UNLAWFUL DEBT COLLECTION performed by Aldridge Pite LLP, NOT Aldridge Pite XXXX, which is their debt collection section/company. As far as I can read under services on XXXX XXXX XXXX website, they do not offer debt collection as far as I can read, but their XXXX company does. I therefor doubt that they even have the license to collect debt in the state of Florida. 
On XX/XX/2019 XXXX Pite send me a debt collection letter. Actually, there was 2 letters in the same package. Both letters are unlawful debt collection letters which was regarding a Prime Equity line of credit, with XXXX XXXX. This line of credit was taken out by my ex-husband, and he was the borrower, not me!!. In the letters they list me as the borrower which is more than false, a direct lie is more accurate. Also their total amount calculation in the letters, are specified different. This specification is not documented. 
I see that this is not the first time that Aldridge Pite practice unlawful debt collection, and we plan on a lawsuit, but also have other matters with this corrupt company, which I'm not ready to disclose at this moment. Both letters are attached..!

I have tried to get information from Aldridge Pite and all correspondence is attached with this complaint. Aldridge Pite DOES NOT acknowledge the fact that I AM NOT THE BORROWER. They also do not provide my requested information, and that includes Aldridge Pite not providing their debt collection license for the state of Florida.

I am sure that you will find this to be a critical case of unlawful debt collection and I am looking forward to your response. Also I am more than willing to work with CFPB supplying more information/documentation if needed. 

I hope that CFPB is a XXXX XXXX, that can assist hard working Americans who is wrongfully treated by Banks, lawyers and other " mastodons ''. I am NOT allowed to ROB A BANK, but it seems that the banks ARE ALLOWED to rob me, or at least try!
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MA)

Ive used square inc only once did not do anything that violated XXXX received only one payment the immediately froze my account with {$1500.00} in it and are refusing to release it until XX/XX/XXXX. 

I dont need them to reopen my account i never want to use them again but they should immediately release my funds that they have no reason to hold
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Checking account was closed by bank when Huntington National Bank took over TCF Bank. The account was a TCF account in the name of XXXX XXXX XXXX. After numerous inquiries over more than three months I have not yet received a response from Huntington nor have I received the funds that were in the account. Attached please find a bank statement and copy of the debit card they sent me. 

Please help me obtain the the funds that were in the account when they closed it. 

Thank You.
Consumer complaint received 2019-06-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC (NV)

There is a collection account showing on my credit file for a Timeshare. The account is very old. I remember this thing because the Timeshare people lied and when I tried to rescind within the 3 days they told me it was too late. I have been disputing to try and get removed and they sent a payment history that shows excessive charges and proves it's old.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

EXPERIAN IS REPORTING INACCURATE XXXX CHARGE-OFF. 
DELETE XXXX CHARGE OFF XXXX AND XXXX is not reporting this charge off at all. XXXX and XXXX haveDELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF IMMEDIATELY
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX account 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 states a consumer reporting agency can not furnish an account without my written instructions.
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. (AL)

Transunion is reporting an alleged charge-off debt that is not mine. 
DELETE XXXX XXXX CHARGE OFF Due to inaccuracies account number is not the same as XXXX OR XXXX Date opened is not the same as XXXX. XXXX is not reporting this charge off at all. XXXX have DELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF IMMEDIATELY
Consumer complaint received 2019-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Century Debt Solutions Inc. (AZ)

We started pool service with XXXX XXXX XXXX XXXX XXXX when we moved into our home in XX/XX/2017. All went well until the following year in XXXX. The service was handed off to someone new. The parts broke often, the baskets and filters were filled with leaves, we often bought chemicals as the pools chemical composition was a mess, our backyard completely flooded and the last straw was when our pool turned green all while we had a weekly pool service. XXXX XXXX XXXX XXXX has turned our bill over to Century Debt Solutions who we have tried to make contact with multiple times to no avail. XXXX now claims that we owe {$250.00}. This is false. We cancelled our service in writing on XX/XX/XXXX. The owner continued to bill us {$90.00} and I made many attempts to contact him, all of which received no response. In the past, if there was a problem, he would respond. Once we cancelled, no such luck ; Although he did continue to bill us ... this has been a ridiculous nightmare that I would like to go away. The owner did finally reach out to us to let us know we would have to strictly deal with the debt collectors, now they will not respond either. Our final bill shows as {$90.00}, not {$250.00}. He had agreed to forgo The last payment due to the fact that the service was awful. I tried to contact him many times through e mail, text, and voicemails with no response.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (WA)

I placed an order on XXXX for {$14.00} and canceled it several minutes later on XX/XX/23. I received an email from XXXX saying the order was canceled and money was not taken out of my acct, however, there is a " pending '' transaction on my cashapp acct. I called XXXX, XXXX says that the bank that issued the card has an " authorization/hold '' on the {$14.00}. I called cashapp and cashapp claims that XXXX has the " hold '' on the {$14.00} - yet both are telling me that the hold may take 7-14 days to be released. 

I have contacted cashapp AND XXXX on several occasions in the last 2 days asking them to release the authorization/hold on my money. I have asked cashapp to speak with a manager or have someone call XXXX XXXX  and ask them to release the authorization/hold and have yet to be transferred to either. The people at cashapp that I spoke with were very nonchalant, uncaring and talked in a monotone voice. 

I'm still waiting for my money and still waiting for a response from cashapp. If they were able to put a hold on the money instantly, why can't it be RELEASED instantly if an order is canceled. I need my money. I'm on a fixed income and having someone hold your money hostage while they try to accumulate some interest is PURE GREED on their part. I want my money before this week ends on XX/XX/23.
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 — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have repeated asked the credit report agencies- XXXX, XXXX, and Equifax - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!
Consumer complaint received 2019-06-13
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. (NY)

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX-2019 XXXX XXXX XXXX2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX XXXX-2019 XXXX XXXX2019  XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX-2019
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)

I asked the credit bureau 's to do a verification that everything was correct across all three credit bureau 's for a collection bill. The original creditor is XXXX XXXX XXXX XXXX  for a amount of XXXX dollars that's in Collections after the dispute. They told me that there were changed items but never removed it off my report when I researched myself. I found inconsistencies across all 3 credit bureau 's and believe this should be removed due to the inconsistencies, as well as the fair credit act saying it must be Accurate.
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: Experian Information Solutions Inc. (MO)

I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and XXXX  was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeated asked the credit report agencies- XXXX, Transunion, and XXXX - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

To whom it may concern I bank with Vystar Credit Union in XXXX, Florida. Vystar told the members almost 2 weeks ago that the online banking would be down for the weekend. I have not been able to get into my account in almost 2 weeks. There is no end in sight and no one can tell me when I will be able to get into my account. I am unable to pay bills or see my balance. ATMs were down all weekend and the customers are getting upset. This is unacceptable and should have been rectified weeks ago. The CEO continuously tells us to be patient but it is not their money they can not access or bills unable to pay.
Consumer complaint received 2023-07-28
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : CASH APP. USER NAME : XXXX PLEASE USE XXXX. XX/XX/XXXX AS THE DATE, AS THAT IS THE DATE OF MY LAST CONTACT WITH THE COMPANY VIA CHAT FROM A BOT. 
THE COMPANY IS ATTEMPTING TO VERIFY MY ID WHICH IS FANTASTIC. HOWEVER, THEY HAVE SOME SORT OF FLAWED AUTOMATED PROCESS TO DO SO & IT IS CONTINUOUSLY REJECTING MY CREDENTIALS. I DO NOT WANT TO CONTINUOUSLY PHOTOGRAPH MY ID & CONTINUOUSLY SEND IT TO THEM BECAUSE THEIR AUTOMATED SYSTEM IS FLAWED. EVERYTIME I DO SO, I RISK EXPOSING MY PRIVATE DATA ( YES IT IS ENCRIPTED, HOWEVER, ANY ELWCTRONIC TRANSMISSION AS SUCH CARRIES RISKS ). I HAVE TRIED IN VAIN TO REACH A LIVE PERSON TO INTERVENE AND OFFER A WORK AROUND SOLUTION. IT IS IMPOSSIBLE TO REACH A LIVE PERSON THROUGH THE 2 CUST. SERVICE CHANNELS THEY OFFER : TELEPHONE OR CHAT. EVERYTHING IS AUTOMATED AND IT IS JUST UNACCEPTABLE AND FRUSTRATING THAT A COMPANY THAT OFFERS ELECTRONIC CASH SERVICES AS SUCH CAN GET AWAY WITH NOT HAVING ANY HUMAN CUSTOMER SERVICE REPS. THE GOVERNMENT SHOULD NOT ALLOW THIS AND I AM QUITE SHOCKED THAT IT IS OCCURING. WHAT IF GOD FORBID THEIR AUTOMATED SYSTEMS SHOULD MAKE AN ERROR ON ONE OF MY TRANSACTIONS? HOW IS THERE ANY RECOURSE WHEN A HUMAN CAN NOT BE UTILIZED TO RECTIFY THE SUITUATION? I AM EXTREMLY WORRIED ABOUT SUCH A SCENARIO IF THEY ARE UNABLE TO SIMPLY EXTRACT DATA FROM A PHOTOGRAPH OF MY STATE ISSUED ID THAT I HAVE CONTINUOUSLY SUBMITTED! I WANT THIS SITUATION REGARDING A COMPLETE LACK OF CUSTOMER SERVICE ON RECORD AS PUBLIC INFORMATION AND SOMETHING BE DONE TO FORCE THIS COMPANYS HAND IN SERVICING THEIR CUSTOMERS WITH LIVE CUSTOMER SERVICE AGENTS! IF THE GOVERNMENT ( FED RESERVE ) SIMPLY ALLOWED MY BANK AND CREDIT UNION TO MIRROR THESE SERVICES OF CASH APP THE ECONOMY AND NATION WOULD BE BETTER SERVED! PLEASE LOOK INTO THIS. THANK YOU! I APPRECIATE THIS OPPORTUNITY AND FORUM TO BRING THESE ISSUES MORE INTO PUBLIC VIEW. 
XXXX
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year>, I looked at my report. I sent a letter to Transunion on XX/XX/XXXX asking them to re-investigate these accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. ) I have included the pictures of the tracking below. They sent me a letter saying the accounts were accurate. 
After looking at my report yet once again, nothing has changed. According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverified information. ( A ) in general If, after any re-investigation under paragraph ( 1 ) of any imformation disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove those items.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (TX)

My XXXX Bank And Cash App account was hacked on XX/XX/23 out of {$3000.00}. 
I originally called XXXX bank to verify my account because I wasnt able to log into my account or receive funds from my clients. I ended placing myself in the call back waiting pool. To were a representative was suppose to call me back and verify my account. Someone called me back but it turned out to be someone acting as a XXXX representative the guy had me download a remote app to were he gained access into my cash app account. He originally sent {$3000.00} to my mom she calls me while on the phone with him to tell me I sent the money to her. I stated I didnt, so she refunded it back to me to were the money was now in cash app account. He sent the money to a XXXX XXXX. I immediately called cash app to report the incident. They insisted to reach out to chime and stop the payment since it was pending. I did just that and filed a dispute. The dispute took up to a month. Only for chime to close down my account before the dispute in their end was finalized. Cash app denied my claim stating I sent the money to the person that hacked my account. If both banks did proper investigation they would of found out that I never sent over {$500.00} to nobody let alone the stranger.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have repeated asked the credit report agencies- Experian, XXXX, and XXXX - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion has several unverified and authorized inquiries on my report. Ive had several unsuccessful attempts to get these fraudulent inquiries removed. The inquiries are : 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 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

Dear Sir/Madam, I am writing to submit a formal complaint against CashApp, a financial service provider, regarding the unauthorized closure of my account and the loss of {$800.00}, which was unjustly removed from my account without any explanation or permission. 

My CashApp account, registered under the username XXXX, was unexpectedly closed on XX/XX/2023, leaving me in distress and financial hardship. The account held a balance of {$800.00}, and I must emphasize that I have always complied with CashApp 's terms of service and all applicable legal regulations, making the closure of my account entirely unwarranted and alarming. 

In an attempt to resolve this matter and retrieve my funds, I have repeatedly tried to contact CashApp 's customer support through various channels. However, all my efforts to communicate with them have been met with complete silence and refusal to address my concerns. Despite my attempts to gain insight into the reasons behind the account closure and the loss of my funds, CashApp has shown a total lack of responsiveness and disregard for its customers. 

The {$800.00} that was removed from my account rightfully belongs to me from selling bitcoin, and I find it unacceptable that CashApp has taken this action without any valid explanation or authorization. This has caused significant financial strain and emotional distress. 

In light of the situation 's severity and CashApp 's refusal to communicate or provide a resolution, I kindly request the Consumer Financial Protection Bureau to intervene on my behalf. I seek the following actions to be taken : Request that CashApp promptly restores the full balance of {$800.00} to my account. 

Ensure that CashApp establishes a transparent and responsive communication process to address customer concerns effectively. 

I believe that the Consumer Financial Protection Bureau plays a vital role in safeguarding consumers ' rights and promoting fair treatment by financial service providers. I trust that your expertise and influence will help rectify this unjust situation and ensure that I receive the resolution I deserve. 

This email serves as an official record of my communication with the Consumer Financial Protection Bureau and my formal complaint against CashApp. I kindly request an acknowledgment of receipt and a commitment to investigating this matter in a timely manner. 

Thank you for your attention to this important issue. I look forward to a swift resolution that upholds consumer rights and holds financial service providers accountable for their actions.
Consumer complaint received 2023-02-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (NY)

In XXXX I closed on a 2nd mortgage for the down payment on the 1st mortgage with the same lender. I made on time monthly payments through XXXX. During that time the mortgage lender changed 3 times, from XXXX XXXXXXXX XXXX XXXX XXXX, to XXXX XXXX XXXX, to XXXX and Trinity Financial Services LLC, the last lender is attempting to foreclose on the XXXX mortgage stating that I owe almost double the amount of the original loan. I believe the statute of limitations has expired on this debt and that this loan was written off as a result of the housing market crash in XXXX. TFS appears to be a less than actual mortgage lender. There's only virtual mailbox addresses form them. I believe that TFS somehow attained my information and is illegally attempting foreclosure on my house similar to property theft.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2021 the Department of Education consolidated my student loans to reflect one ( 1 ) Education loan. This was due to them having multiple loans open under one loan umbrella. During this time there were several late payments that occurred from the Dept of Ed not being transparent with payment methods and dates, i.e. I took a leave of absence from college before returning the next semester. 

However, when these loans were consolidated they were supposed to close out all negative aspects of the previous loans. On XXXX and XXXX this indeed was done. On Experian, they continue to populate the closed debt reports as of late payments. I tried numerous times and also spoke to employees of this credit agency to rectify the issue. They refuse to abide by the law and perform their required duty.