davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

Regulation E providers consumer with certain protections ensuring that possible liability is greatly reduced in the event that said customer encounters financial malfeasance through no fault of their own. While Cashapp is certainly new type of financial platform that has entered the market place ; the controlling legal authorities have wasted no time in assessing what obligations Cashapp has in Regulation E compliance, since technically said organization is not a " bank ''. Cash app has blatantly disregarded the protections that Reg E provides for such customers. 

On XX/XX/XXXX I contacted cashapp with concern about four transactions that were on my account that I did not authorize. It appeared that I had somehow been scammed, and Cash app was made aware of this immediately. From the initial contact that I made with cashapp, said organization appears to have blatantly ignore Reg E requirements. Caahapp FORCED me to request a refund for the transactions that was no authorized by me. ( This is in stark contrast to Reg E note the See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in 2019-BCFP-0001, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation E. Similarly, the Fall 2014 edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation. ) After the refund request were denied I then filed a dispute with Cash aopp on XX/XX/XXXX. Cash app was made aware of which transactions were unauthorized and their proceeded to collect some information about then said transactions. Cashapp then informed me that within 10 business days they would decide wethere or not the could provide a temporary credit for the amounts. They stated that they would email this decision within 10 days. Regulation XXXX provides this protections and it is clearly laidout. After the ten business days I contacted cashapp about the situation with the temporary credit and they were very standoffish and would not say anything. Regardless I have never received said determination about the temp credit.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. 

The follow accounts are being reported in violation of the above mentioned statue : 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Additionally, XXXX5 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft.
Consumer complaint received 2017-04-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2017 I letting my bank know that I travel to XXXX and I will used my Debit/ATM and my Visa Platinum and they conform that ok however after using my debit card 3 time my bank stop my card for two week to the time I can used it I call them they ask me to fax my info the picture of my driving id and my card and my ticket I did that but they want me to sand one more time bcuz I my signature was on all the XXXX paper I fax I fax one more time they ask me I did XXXX XXXX time and never have my card on to work I have to ask people for money I ask to my brother the family of my wife I need the money for my wedding on XX/XX/XXXX in XXXX but I cant get no money that time I have to ask my wife family to take the bus so they give me money I have to ask for money to call and the bank people was hard to talk to same of them they not nice to help you after 15 days they have my card work I call in XXXX and I have to pay {$28.00} for my XXXX {$40.00} money to fax {$100.00} money to go to the city 4 time to fax my paper its was the time I am on my honeymoon but I have to go to look for office to fax them all the time I have money in my bank but I cant take any and I cant go where I want to go with my wife my time was so sad and bad its hard to have place to used Visa only Cash my wife give her necklace to same one to get same money to get to XXXX {$500.00} then we pay after two weeks {$520.00} but its not the money its in the same day we have the wedding she have to do that to get the Cash we need its the sad thing about it people who work there they not nice to talk to I do n't know its my name are they have bad day
Consumer complaint received 2023-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am disputing a collection that only TransUnion ( of the 3 credit bureaus ) refuses to remove from my report. It is a alleged collection for {$230.00} from XXXX XXXX. This collection is an extortion attempt. As the services received were paid in full. TransUnion said they did an investigation and the account was verified, however I was never interviewed so any investigation that was done couldnt be complete when only one side was investigated. TransUnion is basically taking the word of XXXX XXXX and making the horrible assumption they are correct. TransUnion must report only accurate information and there is no way they can prove this is accurate by a one sided investigation.
Consumer complaint received 2017-04-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

I went to emergency room early Saturday morning to get a pain killer and for XXXX in XXXX 2015 ... ... Doctor said nothing could be done until blood test results provided on Monday ... best to see my Primary Physician on Monday. 
Hospital charged my XXXX account over {$2500.00} for a XXXX visit to ER visit and I did not pay my CO-PAY ... XXXX NO medication was @ hospital. Saw my PCP on Monday and he took care of me.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (UT)

I have recorded phone calls where I have requested they not call me and only communicate through the mail. They still continue to call me. I have these calls recorded. I have saved the voicemails where they leave very detailed information on my voicemails and have given my mom information also. They leave messages on my voicemail saying my account is past due and I can get money out if I come down and refinance my loan and tell me how much. They leave me messages on my voicemail saying it is really important they talk to me by the end of the day then give me a time. They harass me constantly and they would even call relatives that are not references and tell them I will not call them back. I have since paid them off but I can prove the harassment and can give the documentation if needed. I have the recorded phone calls where I told them to not call me again and they still would many times a day even after I would talk to them, they would call me a couple times after.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Mortgage Company can not prove they have legal transfer of the Mortgage and have denied XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX due process and have filed for foreclosure without negotiating some type of alternative arrangement with me relative the house. I was never subpoenaed for the hearings and they have engaged in an illegal foreclosure process. They have tried to take the loan by illegally offering to pay debtor {$10000.00} then revoking the offer once they could not prove mortgage ownership.
Consumer complaint received 2024-02-15
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. (OH)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge.
Consumer complaint received 2019-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Avant Credit Corporation (NY)

I applied for a loan to this company, and I sign everything but I made one mistake and enter a wrong bank information because I was XXXX, and a few day later I call the company to hold on the fund and not processed it to the bank that was on the the application, and a customer service promised the fund wouldn't be transfer, and I was advice to send the correct bank information, and the money would be transfer. I thought they fix everything, after awhile I didn't see the money put into my bank account which was supposed to be around {$9000.00}, and I was told they deposit the money to the wrong bank account when I told them not. I was upset, and they charge me an administration fee which is {$500.00}, and I call the person they put the money to return the money to the account will the send it to me, and I was told yes. all of it was a lie. avant didn't inform me if I was going to get the money. I kept calling and customer services kept lying, and giving the resolution team kept have me waiting for weeks before emailing, and they unable to find a solution. and they want to make payment when I didn't received any fund from them
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, I deposited {$440.00} to my checking account. The last XXXX digits of my account number is XXXX. I went to the WF XXXX XXXX in XXXX, N.C. I did not have any deposit slips so I gave my ATM card to XXXX, the teller. I told XXXX that I wanted to deposit that money in my checking account. About 4 days later, while checking my online account, I could not see the {$500.00} deposit. I called the XXXX branch and told them that I made on deposit on XX/XX/2017 that was not showing up. The person on the phone directed me to go to the bank. I went to the bank and talked to the service manager. I told her what happene. She looked it up on her computer and told me that the {$500.00} was placed on a loan that my son XXXX XXXX, XXXX has with WF. I told her that account was none of my business and that I wanted my money back. She called the loan division where the check was deposited. She told me that she was instructed to write a letter on WF letterhead explaining what happened. She told me that she was advised that when they received the letter, my money would be refunded to me. That has not happend. I have received the run around from WF. Each time that I have made an inquiry, I was told to call back in 2-3 days. It has now been over 3 weeks. I want my {$440.00} back.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/2021 I sent a letter to KHOLS/CAP ONE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I settled the debt in XXXX. Nissan NEVER REPORTED IT TO THE CREDIT BUREAUS. They even continued to respond to disputes with incorrect information saying the debt was still owed. I called them multiple times and they swore up and down they would fix it. Now my credit is damaged and unable to get a mortgage due to this.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

I received a credit change alert on my credit file. I called transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as General Revenue Corp. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and General Revenue Corp needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (GA)

REGIONS MANAGEMENT FABRICATED REASON FOR ILLEGAL ACCOUNT FREEZE. In XX/XX/XXXX, I updated my mailing address on the Regions website. Shortly thereafter, XXXX. XXXX emailed me claiming that they need my physical address ( even though they already had it on file ). I replied to her w/the requested information. Two days later, she replied that since my DL on file has expired, she needs my updated DL too. [ Note : This policy/rule does NOT exist anywhere in Regions literature ]. I then received a letter dated XX/XX/XXXX ( attached ) stating that 60 days from the date of the letter, my account would be closed if this isnt resolved. Unhappy with Regions handling of this, I proceed to make arrangements to open a new bank account elsewhere. Two days after I transfer some money from my Regions account to my new bank account, Regions froze my account due to fraudulent check writing!!!! XXXX XXXX and XXXX fabricated this reason in order to lock me out of my account ; this was retaliation for choosing to switch banks instead of complying with their made-up rules. I visited a Regions branch on XX/XX/XXXX and spoke with the manager, XXXX XXXX, to resolve this. She said only the back office can unlock the account and theres nothing she can do. However, the XXXX rep I spoke with said ANY branch manager can remove the freeze. I am being given the run-around. There was NO suspicious activity on the account and therefore, should've NEVER been locked.
Consumer complaint received 2018-02-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC (IL)

Every morning I get a call from Nationwide ( the company that i got a loan from ), during business hours when Im at work and I keep repeating to them not to call me at work to resolve the issue and they still repeat the same thing. Also they call me after XXXX as well. Also yesterday they called me in the morning as well as in the afternoon when I told them not to contact me at work. They usually call me multiple times within the same day as well. I recently told the manager of this company to stop calling my cell phone and they didnt listen to me, and still call me. Also when they call me on my personal number, they not only call from their business line but also several different personal numbers.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

I contacted US Bank today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. US Bank has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that US Bank has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from US Bank stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and US Bank is dragging its feet to provide that letter to the lender. I want US Bank to fix this ASAP. Thank you for looking into this.
Consumer complaint received 2020-01-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (DE)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally As per the fair credit reporting act section 609 They are saying it is verified but where's my proof? What methods are you using to verify?