davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/20 XXXX XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (HI)

I tried to make payments form my Cash App account but was told that for security purposes the payments did not go through and would be refunded to my account after a few business days. The payments were made between Between XX/XX/XXXX and XX/XX/XXXX of XXXX. I assumed the {$420.00} would eventually show up in my Cash App account. 
Note : My Cash App account was brand new established by my friend who asked me to get a Cash App account so he could pay me {$750.00}. In order to create the account I needed to supply a credit card number or debit card number. I opted to give them my XXXX XXXX XXXX  Debit card number. 
Now I still do not have any money back in my Cash App account or in my bank account. Five times I have called Cash App customer support. They repeatedly tell me the funds have been refunded to my Debit Card and they give me the last four digits of my debit card. First of all the funds did not come from my debit card as they came from my friend who had me create the account to pay me. Secondly my debit card does not hold funds. I have repeatedly checked with my bank and no funds have come from Cash App. 
Finally I repeatedly tried to make payments from Cash App from XX/XX/XXXX to XX/XX/XXXX until I had depleted my account. On XX/XX/XXXX I tried to make one more {$20.00} payment from Cash App even though I had no funds. The {$20.00} automatically came out of my checking account. Cash App does not have my checking account number but it must be linked to my Debit Card. It seems they should have refunded to my checking account but they don't have that number. I can not get anywhere with their customer service as every representative tells me their records show I was refunded to my debit card therefore case is closed and they hang up on me. Once again my debit card does not hold money and I am out {$420.00}.
Consumer complaint received 2022-08-29
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXXl XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX  XXXX remove whole account or update every late payment XXXX XXXX XXXXXXXX XXXX and XXXX of XXXX  late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX  XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account XXXX XXXX XXXX XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXXXXXX remove whole account or update all late payments 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 15 U.S.C 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 2019-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

CFPB I am filing this compliant because Trans union Credit Bureau is refusing to start a dispute and claiming they never received my dispute letter which is a totally false. I sent this letter certified. On XX/XX/XXXX. I sent Trans union a dispute letter because these following accounts, XXXX XXXX XXXX Account number XXXX, And XXXX XXXX XXXX Account number XXXX, And XXXX  Account number XXXX, And XXXX XXXX  Account Number XXXX Are unverified accounts and violate the Fair Credit Reporting Act. CFPB please be advised that this is my 4th dispute letter requesting Trans union to disclose all information about these accounts under section 609 ( a ) ( 1 ) ( A ) i wan na see a consumer contract with my signature on it.The last three dispute  letters Trans union did not comply. I have a membership with Trans union online product which updates every 24 hours and shows when accounts are open disputes. On XX/XX/XXXX i logged in on the Trans union product online and updated the report and notice that there was not NO disputes open so I started tracking the certified letter i sent to Trans union and it showed that they received that letter on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX i called Trans union and spoke with a rep name XXXX And he stated they never received my dispute letter so i asked to speak to a supervisor which one got on the phone name XXXX he stated the same thing i also made a call on XX/XX/XXXX and they stated the same thing i also called Trans union today on XX/XX/XXXX and spoke to a rep name XXXX he stated the same thing there is no dispute letter they received so i asked to speak to someone higher then a supervisor he transfered me to someone in the United States special handling department as the rep stated and i spoke to someone name XXXX and he stated that there was not a dispute letter received. This is not fair that Trans union is not starting a dispute as i requested and someone from Trans union signed for my dispute letter because i received the certified receipt that they signed for it on XX/XX/XXXX. In 8 days makes 30 days that Trans union had this dispute letter and they never started a dispute yet this is not fair as a consumer i have the right to dispute any account thats listed on my credit file i believe that Trans union is refusing to dispute these accounts because they do not have all the creditors Original documentation that i am requesting to see and been requesting since XX/XX/XXXX. I will provide evidence the dispute letter and the certified receipt Trans Union signed when they received that letter.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (PA)

I opened a US Bank XXXX XXXX XXXX  because they had an offer of a {$750.00} bonus after spending {$7500.00} within 120 days. I met this obligation within 90 days. Now US Bank is saying that my XXXX XXXX  purchases do not qualify for this spend. MY PURCHASE WAS NOT A CASH ADVANCE, NOT GIFT CARDS OR ANY OTHER MONETARY ITEM. IT WAS A COMMEMORATIVE COIN SIMILAR TO A PAINTING OR A GIFT ITEM. It is not fair not to consider this for minimum spend. What if I had bought an appliance and sold it immediately on XXXX. This would have qualified for minimum spend, do not understand the logic of US Bank. I have attached the necessary documents
Consumer complaint received 2018-04-20
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 purchased a vehicle from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Identification # XXXX, when i purchased this vehicle one of the things that was promised to me is that this will not reflect on my credit report since at the time the company did not report to the credit bureau, since i was working with a co to repair my credit, it was important to me that this did not show in my credit report. my payment amount was {$370.00} and i always made a payment of {$400.00}, on XX/XX/XXXX of XXXX my wife was involved in a card accident and the vehicle deem a total loss XXXX claim # XXXX XXXX XXXX XXXX was and still my current insurance co, the adjuster for this claim was XXXX XXXX XXXX, at the time of the accident my account was current, therefore any contractual payment 's after the accident should had not been listed as delinquent, XXXX XXXX  was notify and they where listed as lien holder. XXXX started reporting to the credit Bureau on XX/XX/XXXX of XXXX, reporting my account over 120 days delinquent and reporting me Retroactive, the wrong amount was listed, show me delinquent, and they reporting me retroactive, my loan was purchased 15 month 's prior to then beginning reporting to the credit b.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (GA)

On my credit report, there are 2 different amounts reported for the exact same account. I do not owe that amount of debt for a previously charged off account Synovus is trying to harm my credit report erroneously in order to harass me and make me pay more money than I owe by placing inaccurate account son my report. I have tried multiple times to dispute this with them and request proof of the debts but they have failed to provide me with any proof. The original account is being reported under # XXXX. Since I have began disputing the account, they have created the account # XXXX to add additional debt and history.
Consumer complaint received 2022-03-07
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # 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 account can not furnish a account without my written instruction
Consumer complaint received 2019-02-01
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: Trident Asset Management, L.L.C. (VT)

Trident Asset Management, LLC is reporting a collection item on my credit report which purports to have originated from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX or any of its affiliates and believe that this item is fraudulent. I have attempted to contact Trident on several occasions via phone and email, but have not been able to get a response from them. Given that this appears to be a pattern with Trident ( purposely reporting erroneous information on consumer credit reports in order to willfully extort money from those consumers ), I believe that charges should be brought for fraud against them. It would also appear as though RICO statutes may apply.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2018 the XXXX store from XXXX XXXX, Ca charged my debit card for {$1000.00}. Then the Santander decided to credit the {$1000.00} back to the account on XX/XX/2018. On XX/XX/2018 the bank then charges me again {$1000.00}. 
I have gone to the bank many times to file claims but they kept getting denied. I told them that on the bank statement it says that the charge took place in XXXX XXXX, Ca but the state that I live in is Massachusetts. I asked them why they were getting denied and the bank told me I had to go to the merchant ( XXXX ) to get the money back. 
I call XXXX to try to get the money back but they said I have to go through the bank to get the money back. I talked with a customer relations employee at XXXX and investigated the matter. The employee and I ended up getting proof of a receipt they found showing that the transaction took place in XXXX XXXX. 
I have been going back and forth with the bank with the proof and evidence that it was fraudulent but they refuse to refund the money. I believe that the transaction should not have gone through because it happened across the country from where I live. Santander should have not let that happened. 

Below I have the bank statements and the XXXX receipt I received the customer relations employee.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX XXXX XXXX calls me at least 5 days a week. Got called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
Consumer complaint received 2019-02-01
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: SELECT PORTFOLIO SERVICING, INC. (NV)

I made a payment on the automated system for my XX/XX/XXXX payment on the XXXX of the month in the scheduled amount of {$1800.00} I usually make my payments online via the website but on this occasion the online system would not accept my payment for an unknown reason. The payment was processed and on XX/XX/2018 the payment was rejected. I inquired with my bank and the mortgage company regarding why the payment was rejected. The mortgage company said the payment was returned for non sufficient funds. My bank told me that the payment was processed under a name other than my own, so my bank rejected the payment because of possible fraud. So in the meantime, the XX/XX/XXXX payment was delinquent and reported on my credit report as a more than 30 day late payment. I filed a dispute with my mortgage company on XX/XX/2018 regarding the payment being processed under a name other than the name on my bank account and explained to them that I have been using the same bank account information for at least the last 12 months with no problem. I provided documentation from my financial institution the reason the payment was rejected, which was not do to insufficient funds but was rejected do to facts stated above. I believe the problem was that the mortgage company automated system does not ask for a name to process the payment under. It only ask for the bank account information excluding a name, and the amount to be processed. The mortgage company did not agree that there was an error or their part despite the letter of explanation proving that I was not at fault and the documents given from my financial institution explaining why the payment was rejected. I requested that the mortgage company reverse the reported late payment from the credit bureau due to the facts above and they denied my request. Do to this incident I have been negatively impacted. My credit score has been negatively affected. I was unable to refinance my home and I have been labeled as high risk for any future borrowing options.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (NC)

On XXXX XXXX  I went to XXXX XXXX and used my cash app card to purchase shampoo with trying to maintain XXXX dollars cash back cash app took the XXXX from my account but the merchant provided them with documentation that they dont have my money cash app has then been no help retrieving my funds
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This complaint is about USAA. I bank with XXXX XXXX. I pay my house insurance bill on autopay through XXXX XXXX to USAA. This is the third time that USAA has bombarded me with late notices about this bill. The bill was paid on XX/XX/22. The payment changes from XXXX to XXXX to XXXX This must stop. I do not want to be on the phone with USAA about this bill when it is being paid on time.
Consumer complaint received 2019-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Asset Recovery Solutions, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX. , owned two sets of my loans -- one through XXXX and another through XXXX XXXX . 
-I have been in communications with XXXX XXXX who was my account rep, about reaching a settlement agreement. In the meantime, I set up an automatic monthly payment plan, that I have been paying off for several years now. I was paying {$320.00} for my XXXX loans, and {$100.00} for the XXXX XXXX loans. 
-I noticed that money wasn't being deducted from my account in XX/XX/XXXX. So, I called XXXX, and I was notified that the money wasn't being deducted from my account because my automatic monthly payment plan permission, had expired, and I needed to grant them permission again. This was done verbally, by phone. More importantly, I was never notified in writing, electronically, or by telephone that my permission had expired. They also never notified me that I would need to do the same for my XXXX XXXX loans. Although, that week alone I had received several calls asking if I was still interested in reaching a settlement agreement. 
-In XX/XX/XXXX, I received notice from a new debt collector that they were now in possession of my XXXX XXXX loans.

-When I called Asset Recovery Solutions, they informed me that they sold my loans because I had not made the {$100.00} dollar payment since XXXX months.When I inquired why it hadn't been automatically deducted, they said my approval had expired. They never notified me of this by telephone, email, or in writing. They also never notified me that I had missed any payments. I asked why they hadn't notified me, given that they had my contact information. The rep on the phone said that they only updated my telephone number for my XXXX loans, and not for my XXXX XXXX loans-which was a clear oversight on their end. Regardless, they also had my email address and mailing information, but failed to notify me using those avenues. 
-I called again, and got in contact with XXXX. She said it was not Asset Recovery Solution 's responsibility to notify me that my loans were being sold. 
-When I asked whether they could reclaim my XXXX XXXX loans, so they could be under one debt  collect, they said no. 
-I was in the process of reaching a settlement agreement for all my loans for a down payment of XXXX dollars. Now, I'll need to begin negotiations terms with both debt collectors.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (SC)

In XXXX of 2023, my husband was laid off from his job and employer withheld last paycheck. This caused us to get really behind in ALL our bills. I contacted Santander to let them know and to request an extension. I spoke with XXXX different reps that said they would be able to give me an extension but then I received an email directing me to my Santander auto account. In the letter they said they could not give me the extension bc not enough time had passed between the last extension and present time. I was pretty let down about it but I understood and did what I could to not lose the car. I paid {$150.00} XXXX separate times to show good faith. At that time Santander reported that I was XXXX  days late. I accepted this as it was true. However, on XX/XX/XXXX I also made another payment in the amount of {$650.00}. I had called and spoken with a rep that said if I had made that payment, I would not be past due anymore.

Then being that we were still in a pickle, I decided to request another extension. I spoke to a woman in some sort of forbearance department. She said we had qualified for the extension and when I had specifically asked her if doing an extension will cause them to report my acct as being past due, she said no, you're only XXXX days late at this point ( XX/XX/XXXX ) so it will not report as past due. She said they would only report it as past due if I was actually past due prior to the extension! I was happy that we qualified and that it would not get reported as past due. They emailed me paperwork, I signed and returned it the very same day. However, as soon as I signed the papers, the very next day I got an alert from XXXX XXXX and XXXX that Santander marked my acct as XXXX  days past due! I called and asked why they did that and was told by the rep that he wasnt sure why it got reported as such either bc my account shows as current prior to the extension but when I requested the past due be removed, he could not. I am not happy about this at all as it dropped my already poor credit score another XXXX points! Thanks Santander!