davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
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. (TX)

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been XXXX weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with Transunion showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I received a call from citi bank fraud department stating there has been some activity on my account they needed to make sure it was me which it was not me after the call I checked my account and all my savings was removed {$1700.00} I immediately notified the bank that day of the unauthorized wire transfer so they can stop it I filed police report and fraud report with ftc the bank denied my claim the internal case number is XXXX IVE been a customer for over XXXX and never experienced this happening the bank denied my claim please help
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (IL)

I received a notification via XXXX XXXX that an account was reported to my credit bureau. It stated that I owed money to XXXX College for {$990.00}. I have never done business with this company. I called the debt collection agency that is handling this account to obtain information pertaining to this debt. This debt collection agency is named TEK Collect Inc, address XXXX  XXXX XXXX, XXXX, Oh. XXXX. A woman named XXXX answered the phone as " business office '' and not the company name which made me feel uncomfortable since I did not know if I had the right or wrong number. I had to make her give me the name by asking for it. I told her I needed information in regards to an account that they are trying to collect on. XXXX stated that she could only send the information and not tell me over the phone which is false. If she is asking for my information to validate that it is me in their file, she has to disclose the nature of the debt. I asked repeatedly what the charge is for and she could not tell me. She just kept saying that she could only send the information in the form of a letter. XXXX was also rude. She kept talking over me and at times would not let me finish my sentence. XXXX would not answer my basic questions such as what the debt is for, and if they purchased the account or if it was placed. After she could not explain to me what the debt was for, she transferred me to a supervisor even though I did not request to speak to one. The  supervisors name is XXXX XXXX. Mr. XXXX was also not able to explain to me what the debt is for and what the charges were from. I must have asked Mr. XXXX over 10 times what the debt was for and he would never answer my question. He only kept repeating to me that he could only send a letter. I told Mr. XXXX that he seemed to be dancing around my question by not giving me a solid answer. He told me that I was dancing around by not giving him my address even though I had given it to the first representative. I informed Mr. XXXX that since the company he works for answered my phone call as only " business office '' and that nobody could explain to me what the debt is for, I felt very uncomfortable giving any more information. Mr. XXXX talked over me on several occasions and could not give me any solid answers. I would like an investigation on TEK 's  collection tactics. I have a right as a consumer to know what debt, if any, I have with TEK 's collection agency. I have a right to know what the debt is for. I also felt threatened when XXXX and supervisor XXXX talked over me. I felt very uncomfortable and scared when this company did not specify what the debt is for and by not immediately providing me with the company name. I had to ask for it. Further more, I am seeking compensation for every violation this company made on my phone call to them. This includes but is not limited to, talking over me and not providing me with adequate information to validate this debt.
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I recently deposited a check to USAA from a relative in the amount of {$5000.00} on XXXX XXXX, XXXX. My relative contacted me today XXXX XXXX, XXXX and said the funds have left her account, which would mean USAA is in possession of the funds. 

This makes no sense why USAA would put my money on hold until XXXX XXXX, XXXX other than to go spend and invest that money or do other profitable banking practices. 

This is unfair and unreasonable and I 'm requesting that the CFPB please investigate USAA and these practices. I am requesting that USAA please communicate in writing only and not by phone. 

Furthermore, the same relative tried to deposit the funds before writing this check via bank wire and it was turned away by USAA, which I also do not understand. 

I am a XXXX citizen and this is causing me a lot of XXXX and XXXX. I do n't know why I must spend so many countless hours trying to get USAA to stop putting holds on my deposits and then the semantic answers I get from their customer service. 

See attached screen shots of deposit holds and screenshot from relatives checking account which shows that funds have cleared and that USAA is alienating me and is conducting unfair banking practices.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-24
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. (NY)

Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (RI)

I opened a Credit Card account in XX/XX/XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX in late XX/XX/XXXX and in XX/XX/XXXX I received a letter saying that I was being sued for this debt but in XXXX, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with XXXX XXXX and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XX/XX/XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is violating my rights. Statute of Limitations in XXXX is 3 yrs and XXXX is 10 yrs.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NC)

MY SQUARE ACCOUNT WAS DEACTIVATED ON XX/XX/XXXX after 8 months now they are not releasing my funds When I complaint here first time after that square deleted my account and when I call them they just tell me that they esclate the issue and the accounts services will get back to you in 2 days Now they are not giving any exact date of releasing the funds there not any ongoing disputes on my account
Consumer complaint received 2015-09-12
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing this letter to help investigate why the three credit bureaus XXXX, Equifax, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.
Consumer complaint received 2017-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (CT)

Ally Financial IncXXXX provided me a loan for a XXXX XXXX XXXX. In XXXX me and the company agreed on a XXXX XXXX XXXX XXXX. I had 10 days to pay {$190.00} to finalize this agreement which expired on XX/XX/XXXX. I paid the balance on XX/XX/XXXX. In the agreement it states, " all remaining scheduled payments have been extended by 60 days. The next scheduled payment would be XX/XX/XXXX for {$200.00}. 

After receiving 5 phone calls from their debt collection department on XX/XX/XXXX which start at XXXX - XXXX. I received a phone call the day after XXXX at XXXX, I told the representative that I had already agreed to a payment plan and I had until the XXXX to pay it. I was told that the agreement was closed by the representative. Then I was told that I could go ahead and make the payment but the extension department would have to re-evaluate the extension and get back with me in three days. 

When I talk with different representatives documentation is n't taken properly and the communication is extremely poor. I had until the XXXX to pay the remaining balance but the collection office closed my extension agreement prior to the XXXX.
Consumer complaint received 2015-04-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (TX)

ONE MAIN FINANCIAL - XXXX, TN. Borrowed {$7500.00}. I have paid {$1800.00} on loan and they say my principal I owe is more than i borrowed. They say if i paid it off it would be XXXX and i borrowed XXXX. VERY DECEPTIVE
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting Act XXXX  XXXX opened XX/XX/2022 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 This account is not mines
Consumer complaint received 2020-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Hello, my name is XXXX XXXX, I currently have a mortgage loan with US Bank and an escrow account as well. Unfortunately, XXXX XXXX XXXX XXXX XXXX XXXX is refusing to insure my property and honor my policy due to US Bank failing to pay my homeowners insurance in a timely manner from my escrow account as per our agreement after being contacted multiple times by myself and my insurance agent. They also proceeded to misinform my agent and myself of when payment was sent and caused my policy to be cancelled. 

Now, I am expected to pay {$3300.00} for a new homeowners insurance policy compared to {$1500.00} that will accept me with damage that occurred during Hurricane Sally and through my insurance agent, who is trying to honor my cancelled policy through their own company, an additional {$3300.00} for a deductible. 

US Bank has also been sent my new Homeowners Insurance Policy multiple times now and is again failing so far to pay them in a timely manner. 

I was wondering if there was any action I could take against US Bank for the impacts and costs of their actions. 

XX/XX/XXXX - XXXX XXXX  XXXX started and Paperwork Submitted. 
XXXX XXXX US Bank was contacted about late Payment and said they would overnight it. 
XX/XX/XXXX - US Bank contacted again about late payment, we were then told it was sent over regular mail. Not overnighted like we have been told. 
XX/XX/XXXX - Payment still hasnt arrived, contacted US Bank again and was told they have to do a check trace. 
XX/XX/XXXX - Hurricane Sally Cause Damage to Home XX/XX/XXXX - Insurance still unpaid. 
XX/XX/XXXX - Insurance Cancelled and Unwilling to Reinstate Our Policy due to being so late from US Bank. 
XX/XX/XXXX - New Policy Started and Paperwork Faxed to US Bank. 
XX/XX/XXXX - Called US Bank and Told They Did Not Have Information. 
XX/XX/XXXX - US Bank calls and states they dont have information still, information Faxed Again and inquired about payment for it. Was told it would be express mailed. 
XX/XX/XXXX - US Bank calls and states the dont have information. 
XX/XX/XXXX - Used US Banks online portal to Upload information. 
XX/XX/XXXX - Contacted US Bank again with Policy Information, Invoice, still  havent received payment. 
XX/XX/XXXX - Still no Changes.
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NC)

I disputed the information that Macys is reporting on my credit file, they have that I made payments to them up to though the XX/XX/XXXX year. I stop making payment to them on XXXX XXXX, XXXX because I was not working for a number of years. I contacted Macys and it was stated to me that the account had reached its statue of limitation therefore it was deemed uncollectable. I disputed the information to macys prior to my conversation with them and never heard back. I sent the same statements to the credit bureaus and mays did not change the reporting, I attempted several times. My final payments is XXXX XXXX, XXXX therefore the account should have been considered delinquent as of XXXX XXXX therefore my seven year reporting period should end in XXXX XXXX. XXXX have my seven year reporting period ending in XXXX of XXXX. I have the supporting documents for this. Also keeping in mind this is an individual account and no one else had authority over this account.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NC)

my name is XXXX XXXX this complaint is for cash app, i have a cash app for my son XXXX XXXX which is a XXXX cash app tag XXXX  XXXX, the profile is in my name with my picture, i have attached cash app statements for the months of XX/XX/2022 XX/XX/2022 and XX/XX/2022 and transcation documents also proving my complaint, on XX/XX/XXXX there was a XXXX dollar payment sent from me to XXXX XXXX  cash app stated this transcation was canacelled that is not true on my cash app XX/XX/2022 statements it shows the transcation was not cancelled however it was taken out of my XXXX XXXX checking acct and never refunded to my bank or back to the cash app acct, on XXXX the XXXX XXXX there were two transcations one for XXXX dollars and XXXX  for XXXX was sent to XXXX XXXX  that was suppose to be refunded back to the XXXX transaction was suppose to be cancelled and so was the XXXX dollar transcation, not only did cash app take these funds from my bank acct and never refunded me they also took these funds from XXXX XXXX checkinhg acct for a refund for me which was not necassary because these transcations were suppose to be cancelled, so they took these funds twice,, from my acct and his, i have advised XXXX XXXX to file a cliam to get his money back,, yet still cash app has yet to refund my money or his, please look on the cash app XXXX XXXX statement, on cash app statements it descripts all transcations it would state cancel if the transcation was caneclled, however on the transaction receipt it states canaceled but on the statement it does not state that, also on XX/XX/2022 cash app cancelled a payment for XXXX that was suppose to be refunded to me on XX/XX/2022 however no refund has be made it is stillin a pending state with cash app, also another payment that was suppose to be refunded for XXXX however no refund, it is numerous charges like this but i can only proove these transcation at the time, i have attached my XXXX, XXXX and XX/XX/2022 cash app statements and my XXXX XXXX XXXX and XX/XX/2022 bank statements proving cash app took the money and never replaced it now those XXXX XXXX accts are closed i want my refund from cash app put into the cash app acct or mailed to me in a caheck the total amount is XXXX dollars please look at all attachments, i have contacted cash support numerous times about this matter i have also attached that proof my contact number is XXXX
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposit a check for the amount of {XXXX} to my Bank of America checking account on XXXX XXXX. I was told that I could have {XXXX} available immediately, {XXXX} available on XXXX XXXX and the full amount available on XXXX XXXX. However, today is already XXXX XXXX and I still have nothing available to me. The check is still on hold and no any notification has ever sent to me about why the check is still on hold and when will the money be available to me.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I transferred {$250.00} in 2 {$50.00} transactions and 1 {$250.00} transaction on the XXXX of XXXX. Coinbase stated that the money would be available in my account on the XXXX. It still has not shown up on the XXXX even though the money has already been taken out of my bank account. In addition, customer service no longer responds when I email and their first response was inaccurate and unhelpful.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I started with this company I say back in XXXX XXXX and I was told that they would pull my credit report to see where I stand and that it was a soft inquiry well that was wrong it was a hard inquiry that they told me would be free and a onetime startup of XXXX well that was wrong to they charged me XXXX the first day. So when I questioned them about it they advised me they where checking to see if I had funds to cover and would be credited back to my account NO! it was never done, I have spent over {$800.00} dollars with this company for them to write letters and to help me in which it was not an success and now I am being harassed by the law firm that they some how work for legal fees and services .Also I kept calling they would hang up or keep transfer the calls to Different departments and hang up or say they will return calls or better Yet lock me out of the account so I cant see what there doing to my report.