davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (NC)

Intercontinental Capital Group has repeatedly sent me letters threaten to take my mortgage away from the original lender to give me a cash out refinance that I do not want or ask for. 

They continue to send me misleading claiming they represent VA in refinancing and taken away mortgages from the original lender. I have called and asked that they remove my name and mailing address from their database, and for the past three years they continue to perpetrate a fraud in trying a switch and bait tactics. 

I do not want them contacting me or send letters in private evelopes with deceptive descriptions on the outside claiming to be coming from my mortgage lender and VA.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I XXXX XXXX sent the Cash App which I don't use, don't have on my phone or computer back a response to questions like how long I have used them which is never and what do I think the fraud is I said yes XXXX missing out of my bank plus XXXX in overdraft fees was taken without my permission or knowledge from the middle of XXXX until first week of XXXX. It has become a nightmare to get any feedback.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX  XXXX reported XXXX, XXXX, XXXX, XX/XX/2020 as late payments after receiving and accepting payments of {$280.00} each month none of which were late. Changes in escrow amounts taxes reflects a difference to {$310.00} which was later paid. XXXX XXXX did not open a suspense account or notify their intended action as they were supposed to have done. 
I have written to them by email and called a number of times asking to have the late payments remove as I am trying to refinance my house they have refused saying it is not an error. XXXX XXXX have displayed little or no concern to the harm they have done even during this covid situation where mortgage companies are asked not to report late payments they have no regards for consumers.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OK)

Email address associated with my PayPal account is XXXX My name is XXXX XXXX and I will attach my ID here too I will attach the error message i got when I tried to access my account too. 

Whenever I want to log in it says " We are sorry, something went wrong on our end '' I have tried for months without success and whenever I tried to reset my password, it will send a code to my phone number which is XXXX but when I put the code correctly it will say " Something Went Wrong on our end '' This has repeated for months and I am not able to access my PayPal account with over {$2000.00} I contacted a customer service representative on XXXX known as XXXX and the response I got didn't help any issue as he was very rude. 

I need PayPal to resolve this and also to allow me to add my bank or card to my PayPal account so as to withdraw my funds.

I need to be able to log into my PayPal account so as to see my balance because I believe PayPal might have taken it to themselves as I have read thousands of other complaints from other PayPal users how PayPal take people 's funds.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I deal with Chime banking and my account been suspended for over a month everything they asked for to reopen or lift a suspension Ive provided plus more and nothing is being done. I have called day and day out and still nothing from Chime support about to be evicted And bills are overdue because of me not getting my money. Ive been dealing with Chime for over three years and never had a problem and now theyre treating me like this. I just want my money.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CO)

Cash App refuses to let me access my stimulus payments! 

I successfully received my first {$1200.00} stimulus payment at the local homeless shelter in XXXX XXXX CA. I acquired a Cash App card to put my money onto so I wouldn't have to carry a ton of cash. When it came time to file for the second stimulus, I decided to have the money placed onto my Cash App card instead of receiving it in the mail. I even took a screenshot of the confirmation I received from the IRS stating the deposit would be made by XX/XX/XXXX. ( I still somehow actually have said screenshot. Couldn't tell you how. ) All seemed to be going as it should until XXXX turned into XXXX then XXXX and so forth. I've been struggling with Cash App this whole time. I've been forced to open new cash-tags/accounts to access support. Crazy thing is, that I can remember just about every single one of them : the cash-tags, phone numbers, e-mails associated with any Cash App card I've owned. 
I've certainly done my part to keep Cash App informed of updates to my phone/email/address. Regardless however many Cash App accounts I've opened, my filing information such as social security number, birthdate, driver 's license ect. remaines the same. I must admit however I'm still a bit unclear about the whole self-employed filing thing. I did open my own XXXX in XXXX because of this. At the same time, I relocated to XXXX CO with what little money I had due to the economy. I worked for XXXX during XXXX and then XXXX Eats during XXXX. I have reason to believe my tax returns for those XXXX years are also stuck in said Cash App account. 
Cash App points the finger at XXXX. XXXX directs me to Block and they turn me back to Cash App who again points at XXXX. I furthered my issue with the IRS as well as the FDIC. The FDIC forced XXXX to respond, at which point the lady implied I was essentially nuts. She then pointed me back to Cash App. I believe I still have that letter from XXXX? The IRS is putting a trace on any other payments owed to me and I'm eagerly awaiting their reply. 
Since Cash App has proved absolutely no help whatsoever, I've tried everything else imaginable. This includes liking the account to other cards, linking the account to different accounts, ordering random cash cards hoping my money was somewhere out there on a different app? I tried becoming a XXXX XXXX  member. I tried opening an XXXX in Delaware through XXXX. Again, since I lost my phone and phone number and email along with the phone? I doubt I was even able to file my taxes successfully the past XXXX years. 
Upon reacquainting myself with Cash Apps fine print, I found information as to where I can complain, so here I am... Any guidance is much appreciated. Thanks for listening. 

Sincerely, XXXX.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

My mother passed away in XXXX. She left very little. There were two ira cds one was just shy of {$3000.00}, the second was worth {$20000.00}. We were told that the XXXX cd just vanished and never existed. Then we where told that the one just short of XXXX would be split 3 ways as for my mothers wishes. My daughter got her check no problem., fir some reason they want to play games about mine. I would greatly appreciate help getting this matter taken care of.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposit a business check at a bank of america local branch center on the XX/XX/2023 for the amount of {$83000.00} on my business checking acount ending in # XXXX. So the agent " XXXX '' mention that he calls me back saying that he wasn't able to help me deposit this check into my account because that the check was made before the business were opened, I clearly correct his error with proof with this issues and ask him to deposit the check without having me going back since the branch was already CLOSED, and theres no need for me to pick up the check and have him re-deposit which its already deposited. but he told me to come back tomorrow and pick up my check, andways i call many times and this is like him report or adding adding addition issues or problems thats might cause to my acoount, and finally i not to able to login onine banking. this period of time of time im just not able to go to the branch and just like NO options ways to verify me .ridiculous.
Consumer complaint received 2015-12-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012.
Consumer complaint received 2019-01-04
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: HW Holding, Inc (FL)

It started with me getting bills from different credit cards with my maiden name XXXX XXXX being used. I closed the said accounts but then I got a colllections notice for a XXXX XXXX XXXX that Im delinquent on a loan/ bill for over {$12000.00}. Ive not used my maiden name since XX/XX/2005. Ive lived with my husband so I have proof that I have no apartment. Im getting a police report. Ive always paid all my bills on time. This is beyond concerning that after having great credit no one contacted me. I have XXXX XXXX from here on out. Please help me try to rectify this situation.
Consumer complaint received 2023-07-30
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. (KY)

Last year XXXX  my mortgage company XXXX XXXX offered homeowners who were struggling with the Covid 19 pandemic a forbearance plan for their mortgage payments. Mine was put into that. My mortgage payments are not 9 payments behind they are current and up to date. I am Not behind on any payments. Ive already spoken with them about this issue and they informed me to dispute the claim as this was not supposed to be reported to the credit bureau as any form of missing payments. This has tremendously impacted my credit score. I would like this matter resolved as quickly as possible.I have already disputed the claim but it did not get resolved.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (SC)

My case number with cash app is XXXX. On XX/XX/XXXX I loaded money onto my cash app that my father provided to me since Im away at XXXX. The money went onto the account no issues, later that day cash app started to glitch and I was unable to use cash app at all. They told us not to log out which I didnt. The next day I woke up and all {$5200.00} dollars was gone. Ive reached out for a resolution and no one is trying to help me. My money vanished because of their technical difficulties and no one is trying to help.
Consumer complaint received 2020-12-15
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: Credit Plus Inc (KY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX XXXX, XXXX, XXXX-XXXX XXXX and on XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (OR)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (VA)

Well last XX/XX/XXXX my XXXX XXXX was being repossess it was around XX/XX/2017 this account should be close already I did not make payment because my wife diagnose XXXX and XXXX   XX/XX/2017 is been very hard for me to deal with my finncial stuation
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (AZ)

I moved out of state in XX/XX/XXXX therefore, Insurance for my vehicles was canceled with XXXX and they kept charging my account without consent they also took a downpayment to renew without a signature and charged my bank acct. XXXX   XXXX XXXX has provided a permanent reimbursement and felt that they were owed {$210.00} this reversal was paid to XXXX and I have all the written proof from the bank that they honored my fraud claim and also paid what they felt was " owed to XXXX '' XXXX now sold my information to an outside collector that has been harassing me and they are not even willing to hear me out I am trying to show them proof and asked for management and they are extremely vulgar and lack of mannerism towards me and unwilling to accept literature as proof from me and my bank. I have all the proof and now attaching to this claim.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (TN)

Went to XXXX for dental work.Had all on XXXX procedure.Dental company billed credit card for everything on day implants was put in but could n't get teeth for 6 months.Went back in XX/XX/XXXX for teeth and was home approximately XXXX weeks and teeth started crumbling.Filed dispute with all Credit card companys that I used because of quality of goods This purchase had to be divided because of large amount and not enough credit 0n one card, I spend about XXXX dollars to fax all documentation and pictures to these companys.Chase credit card responded and comepletly removed the part of charges that was charged to XXXX card but Citi XXXX XXXX has major issues.Cant get responses etc and when they responded I was told they could n't help me that it was out of time frame.
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AL)

XX/XX/23 cash app transaction sent for {$500.00}. Their web site Pended and locked up. Transaction in limbo. I ask them to cancel this transaction. Still pending now has locked me out. I have called, cant get thru line hangs up. Emails not accepted.
Consumer complaint received 2018-08-27
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: SYNCHRONY FINANCIAL (AZ)

I received a XXXX XXXX alert that this credit inquiry appeared XX/XX/2018. I did not apply for any such credit. Here it is as follows : XXXX XXXX XXXX XXXX DATE Inquiry XXXX XXXX XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE XXXX XXXX XXXX XXXX XXXX XXXX FL N/A This likley happened as a result of my prior employer, XXXX XXXX XXXX XXXX XXXX XXXX, AZ who admittedly jeopardized my personal information as well as up to 300 other employees including leaking my SS # about 3 years ago. I'd also like to file a complaint on them in addition to XXXX as they paid for XXXX for just the first 2 years after admitting to their breach after the fact, but then cancelled this coverage about 4 months ago about the same time I left their employment. Had they not been careless with my personal data INCLUDING SS #, I would not now have thieves trying to apply for credit in my name. I did nothing wrong and Homeowners leaves me with the problem. This was also done to perhaps hundreds of other employees and I'd appreciate your assistance in forcing them to make this right and incur the annual or monthly fees for XXXX protection in perpetuity. I feel this should be pre-paid for my lifetime now as they could go out of business again leaving me holding the bag. Please contact me at either XXXX or XXXX  so I can help with these investigations however you see fit.

Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2020-12-16
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. (MA)

Account # XXXX XXXX has incorrectly marked the above account as a charge-off with Experian, and possibly with XXXX and XXXX. 

The facts are as follows. XXXX was my electricity provider at XXXX XXXX XXXX, XXXX MA XXXX. I sold that property on XX/XX/XXXX. XXXX records will show that responsibility for that account shifted to XXXX and XXXX XXXX. Our family moved into a rental house where the owner retains responsible for the utilities. 

XXXX was told about this at the time the account was closed, and that my new rental address would be XXXX XXXX XXXX, XXXX XXXX MA XXXX. 

Nevertheless, XXXX sent the final bill to my old address. I had a mail forwarding instruction with the post office in XXXXXXXX XXXX. Despite that, the bill was never forwarded and presumably returned to XXXX. The utility took no further action. 

I first heard about this bill when an email alert showed up from XXXX XXXX credit tracking system. I logged into the Experian account to find out that XXXX had placed a derogatory remark against my credit which would remain for 7 years. 

Having become aware of the bill, I contacted XXXX, and its CSR confirmed that the bill had been sent to the wrong address. She was also apparently aware of my new address and asked me to confirm it, which I did. I asked her to remove the derogatory remark from Experian and other bureaus, if applicable, since I intended to pay off the bill online later that day ( which I did ). The CSR gave me a number in CT to contact XXXX XXXX. When I called that number, the security guard informed me that there were no employees in the building on account of Covid. 

A copy of the account having a XXXX  balance is attached. Yet, my Experian account incorrectly marks it as a charge-off. Further, the derogatory remark on the account will stay in my record till XXXX. I have contacted XXXX by telephone 3 times and haven't found anyone to speak to other than a customer service representative who has been unable to help.