davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$6500.00}.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (CA)

I contacted XXXX  to cancel my monitoring services in XX/XX/2018. They did not cancel my service ( original creditor account # XXXX ) and continued to charge me for another month. At this point I cancelled my credit card. Even though I cancelled my card they continued to bill me for two more months and then charged me a cancellation fee, even though I was out of contract and had been using there service for 7 plus years. Now they have sent a collections agency after me claiming I owe them {$110.00}
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WY)

Dear Equifax I need a credit report in English language. 

Do you already receive my XXXX form for FATCA identification? I have a problem with your representative to transfer information to head office of Equifax.
Consumer complaint received 2019-01-30
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)

In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XXXX  of XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XXXX XXXX of XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on the XXXX of XXXX  but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was the XXXX  of XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC. (FL)

I went to the bank to close 3 accounts on XXXX-19 the customer service rep closed 2 accounts and I had to come back on XXXX-19 to close the last account as it had a deposit pending I came back on XXXX-19 at  XXXX am and I was told the account was closed I left the bank with documents Stating the accounts were closed. I received an alert stating the last account was still open on XXXX-19 that means closing the account wasn't done and the documents I left with were useless paper. I went to the bank today XXXX-19 and spoke with the rep XXXX XXXX again and was told the account was not closed due to some issue. She was nasty and didn't want to talk to me about it so the other lady tried to explain that on the weekend the accounts don't close or something like it this is the banks mistake and I am not paying any overdrafts fees for nothing. I have also filed a complaint with the Consumer Financial Protection Bureau as this is a fraud on a customer of 10+ years. I informed all of our creditors 30 days in advance of a bank change and all of them acknowledge the change and if they didn't follow any of our changes then this is there fault, collect these charges on a CLOSED ACCOUNT ON THEM. We would not have closed the accounts the Suntrust accounts if they fixed the XXXX app it Never works needs to be downloaded daily Account Numbers are XXXX, and 2 others
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (AZ)

I contacted LJ Ross Associates on XX/XX/18 at XXXX to inquire about when they would stop reporting on my credit report for a debt profile in the amount of {$1100.00} that was RETRACTED from their company by the original creditor XXXX XXXX on XX/XX/18. They told me that even though XXXX XXXX now has the debt and Im paying XXXX XXXX directly they will still report on my credit report because they can. LJ Ross Associates is actively reporting on a debt that is no longer under their ownership/management and they are double reporting. That makes TWO FCRA violations they are actively participating in. This is an act of malice on their behalf. I spoke directly to XXXX XXXX on XX/XX/18 at XXXX after speaking to the representative at LJ Ross Associates , and XXXX XXXX confirmed for me that they contacted LJ Ross Associates and retracted my debt profile from them. It has been 30 days and LJ Ross is still refusing to delete their entry from my credit report. They have received proper notification and had ample time to do what is lawfully required of them and they have refused!!!!!!!!!!
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through SQUARE  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried XXXX XXXX XXXX reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through XXXX XXXX  and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX XXXX No XXXX, XXXX or other payment service
Consumer complaint received 2019-01-30
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. (GA)

I told XXXX, Experian, and XXXX  that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked XXXX, Experian, and XXXX  to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently.

Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) - XXXX XXXX  XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

I have been a Cash App customer since 2018 and I never intentionally violated any of their rules or used the app for anything illegal. On XXXX, they suddenly closed my account by error, I tried contacting them via Chat, phone, and facebook. Every time they promise me that they assigned my case to someone to look into and I will hear from them soon but I never got any response. Cash App has XXXX customer support.
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Caliber Home Loans, Inc. (NV)

First, there was no option for me to choose that fit the issue we are having so I chose to the best of my ability in hopes this will get to the right person/department. 
We have received several certified letters from Caliber Home Loans telling us that we have missed payments and we are now going to collections. The problem is that Caliber isn't our home loan company anymore. We paid off our home last year and our loan wasn't owned by Caliber at that time. We called the company and they said those letters were sent out by mistake and to disregard them. Meanwhile, we received a check for {$120.00} and we have no idea why. When we asked for the company to at least send us a letter clarifying and verifying that the letters were sent out by mistake, they told us, " No ''. They will not even put it on their website letting everyone know who received these letters that they were sent out by mistake. The company has spent quite a bit of money given the number of Certified letters we received, yet they can not send a simple letter out to us so we have proof that we were told it was a mistake. We have not cashed the check they sent because we don't want that to backfire on us. We have tried 2 times to get to the bottom of the issue, but they are not willing to tell us anything, other than it was a mistake. These letters really freaked us out since we know we do not owe anything. We have filed the Deed and have received confirmation back that it was filed and we own our home outright. 
We would love to know what further action we can take. If this somehow ruins our credit or our house is in danger of being taken away because of this mistake, we need to know how to handle that. We are also concerned about how many other people may have actually paid Caliber because of these letters. 
Please let us know if any other information is needed. 
Thank you! 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

XXXX XXXX was sent out of my cashapp account not by me Ive been going back and forth with cashapp about the money that was stolen they refused to give me my money back after two disputes I expressed I didnt complete this transaction and they keep saying I did which is impossible I wasnt even in the state where it was made and my grandma can testify I wasnt
Consumer complaint received 2019-01-30
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: Experian Information Solutions Inc. (IN)

Dear Experian, RE : Acct : XXXX Report Number : XXXX This account was under dispute and came back verified in XX/XX/XXXX and XX/XX/XXXX. I recently submitted a dispute asking that you delete the account due to multiple inaccuracies being reported by this account that doesn't even involve whether or not the account had been verified. All you did was update the account and still have failed to report it correctly. A collection account can not have a past due amount for sheer fact that a collection account is already a past due balance, therefore it itself can not have a past due balance. 
- This collection account reports 1 months terms - This collection account has been disputed and I have asked for method of investigation as well as who verified this account and Experian has failed to provide this information at every turn. 

This is not request for another dispute, investigation or re-investigation. 
Either provide the information asked for or remove this account immediately
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

i was with the XXXX over quite some time but nothing was happening and was getting foreclosure notices. I was stupid and stopped with XXXX due to their cost was {$3000.00} if had stayed with them i might not have to move? 
Again stupidly i went back to Wells Fargo and they had kept on sending me to foreclosure then another one and then another one. 
I think i told you previously that i was to court due to notice from Wells Fargo but did not make it as i fell getting out after finally got a parking space and a couple wanted to take me to hospital but came home. 
I did get some more paper work sent by another specialist XXXX XXXX a few days ago and was going to library to make copies. Library is closed today and 1/2 day tomorrow due to windchill temperatures of 33 below, I am going to try to find a rental i can afford and also money money for moving, i guess someone moving make take credit card? They want my house to resale for {$170000.00} plus? I know i should have stayed with XXXX maybe it would have changed things???? 
Thank you for caring
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BB&T CORPORATION (MD)

I was charged on five separate occasions in XX/XX/2018 for some special orders at XXXX XXXX. I filed a dispute about these fraudulent charges. Submitted more than enough evidence to show that the charges were fraudulent and BB & t determined after their very poor investigation, that I would not get any money back. This is a scam. BB & t must be working with XXXX to generate fake charges. I have since hired a lawyer and a lawyers have sent letters to BB & t and BB & t did not reply so my lawyers advised me to file a complaint on this site. I am out almost {$630.00}. Bb & t is horrible
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

I sent in a dispute letter on XX/XX/2022 in regards to the account XXXX XXXX XXXX  # XXXX being reported by Experian. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. XXXX  reports XX/XX/XXXX. Experian reports XX/XX/XXXX. XXXX  Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (GA)

What Happened? 
This complaint is regarding Aldridge Pite Haan , LLP. Hereafter referred to as APH, LLP. APH, LLP is attempting to collect a debt. In which they say I, XXXX XXXX XXXX XXXX XXXX owe APH, LLP and XXXX XXXX XXXX a total amount of {$5200.00}. On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from APH, LLP on XX/XX/2024 requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested APH, LLP to provide me with competent evidence bearing my wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with APH, LLP, and their client XXXX XXXX XXXX as an obligation to pay their client. This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. I never received a response as of today XX/XX/2024. 
On XX/XX/2024, APH, LLP and their Client XXXX XXXXXXXX XXXX violated my consumers rights FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. APH, LLP and their client XXXX XXXX XXXX utilized unfair deceptive illegally practices by garnishing my XXXX XXXX XXXX XXXX Accounts without any formal or legal notice prior to their requested response deadline, XX/XX/XXXX to disputes these allegations in which I did via certified letter. 
Furthermore, I, XXXX XXXX XXXX never XXXXeceived a response to the certified letter I sent which they received on XX/XX/2024 nor a notice from the XXXX XXXX XXXX or Law Firm prior to XX/XX/XXXX. APH, LLP and their client XXXX XXXX XXXX filed a lawsuit against me with the XXXX XXXX XXXX XXXX XXXX : XXXX ) via e-Filing a misleading Affidavit for Financial Garnishment on XX/XX/2024. 
Once again, my rights were violated. I, XXXX XXXX XXXX was made aware of this information ( the Lawsuit-Case ) while routinely checking my bank account on XX/XX/2024 and noticed that my current balance in my accts were at a XXXX balance. I then called customer service to inquire about why my accounts are showing a XXXX balance and the representative shared that a judgement of wage garnishment was issued on my account from XXXX XXXX XXXX.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

I was debited through my bank account {$150.00} and {$150.00} on XX/XX/XXXX through cash app on an account that is not my own to a XXXX XXXX. I've contacted them multiple times and ask them to look into both the user with this name that they claim to not be able to find yet I am able to, and also to look into any transactions using my debit card number and they simply will not acknowledge or deny that they found anything nor will claim any responsibility or issue a refund
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

My assistant in XXXX  was trying to purchase a vehicle in XXXX XXXX   XXXX XXXX official dealership.

He made transactions via American Express which i gave him as an additional user, he made 3 transactions : 1 ) XX/XX/2018 {$65000.00} ; 2 ) XX/XX/2018 {$1300.00} and 3 ) XX/XX/2018 {$2200.00} We didnt pick up car in XX/XX/XXXX and i know XXXX  dealers they like to stall time, i contacted Amex with dispute on XX/XX/2018, by XX/XX/XXXX american express send me notification that my account was fully credited and then By XX/XX/XXXX they put all the charges back claiming that merchant provided documents to support their claim. I reviewed this documents and to me they didn't make any sense, i called Amex again to open another dispute by i noticed that Amex staff are not wheeling to help me and understand the issue i explained to amex multiple times that we or i didnt pick the car, they reopened dispute and we get more details from merchant that doesn't make any sense to me, but amex is ignoring the issue.

Here are the issues, i will attach each document. On first dispute merchant provided my assistants ID and credit card slips with signatures, but the invoice for the car that they claim that we bought is under different name, you would wonder if i spend XXXX for the car would i want to have invoice under my company name? i say yes. Also invoice signature is not matched to my assistants signature.

Dispute number 2 : same issue as first dispute, but this time dealer provided more documents, same documents credit card transactions but no invoice under my company name and no signature of my assistant on invoices and moreover they now lied to american express by providing the letter on last page which states : that the holder of card XXXX ( they couldnt provide full number because they dont have card and this letter was created due to dispute ) also this letter is not addressed from my assistant to XXXX   that he authorizes transfer of this fund to XXXX, there is no assistants name or signature on this letter. This letter is a completely fake and doctrine letter created by dealership to keep my money ( which i explain to Amex )