davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX I went to a XX/XX/XXXX atm machine which I was referred to by Cash App to withdraw {$100.00}. I selected my money in the transaction and the machine was starting to dispense my money when the screen went black and said server shutdown.I did not receive the cash but the {$100.00} was deducted from my cash app. 
I immediately tried contacting customer service at Cash App ( which is impossible ) while I waited for 45 min in the XX/XX/XXXX to see if the machine would come on and I could get my cash. It came on but when I tried to withdraw the funds it said I didnt have funds available cash app already deducted the {$100.00}. I filed a claim over the phone, and in the app. The representative said he'd be able to override the system once I did a claim, I said I already had. He then said he couldn't override the system to put my money back in.I asked to speak to a supervisor I was stranded 30 mi from home XXXX XXXX XXXX XXXX, my battery went out in my car so I came to get the cash to pay for the battery. I was on hold 30 min where the rep said he's waiting for a mgr to walk over to him. After another 15 min on hold I was told there's no supervisor that can speak to me I'll have to wait for a call. I said no I'll hold until one is, then the rep said there's no supervisor to talk to you and I'm closing your claim and HUNG UP on me. 
He did close my claim because I wanted a mgr. I opened another right away and went from person to person the only way you get a mgr is to request one they email you but you're not speaking to anyone you get a generic answer the same as in the support section of the app not even addressing the claim. 
I called the atm co ftc and was provided the transaction receipt showing, date, time amount, the receipt says : Error management hardware detection, monitor lights red and error the application is out of service. I was told by atm co cash app needs to file a regulation E complaint and contact them so I can be refunded. 
I emailed, called, text in the app the only answer I ever get is there's no new information on your claim it can take up to 45 days. I was told by cash app and the atm co that cash claims are priority and are usually handled right away within 10 days. 
I have been emailing and texting in the app every day asking for a mg or update, all I get is the computer mess about taking up to 45 days. I received a credit of {$2.00} the fee for using the atm cash app charges, on XX/XX/XXXX but not my {$100.00}. I emailed a mgr asking why I didn't receive the rest clearly they were working on my claim and AGAIN was told it could take up to 45 days. I don't understand how this huge co does not have a live mgr you can speak to only people working from home that have no clue about claims, or any other information about cash app,
Consumer complaint received 2021-04-21
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. (FL)

I had two accounts with XXXX XXXX XXXX. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I made purchases in the amount of {$16.00} {$6.00} {$78.00}, and {$14.00}. My card was stolen. Cash App paid the items from the new card issued but is basically hold the same dollar amount in items and will not release the funds nor give me access. The items were paid out and they still have the original authorizations on hold. I called multiple times and the representatives hung up and told me they had no information. They would not allow me to speak to a supervisor and refused to give me an address to their Corporate Office.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (TX)

I owe {$15000.00} to XXXX XXXX XXXX and I had been making very regular monthly payment until I lost my job in XX/XX/XXXX. The same year I decided to move out of my home in XXXX XXXX, XXXX   to XXXX, XXXX  XXXX  to reside with my wife 's family and I left XXXX XXXX, XXXX   in late XXXX, XXXX. I wanted to get back to my job search but the Covid-19 pandemic situation forced me to dedicate myself for the care of my elderly parent in laws, one of them is a XXXX XXXX patient surviving on XXXX. 

I received an email from the debt collector Rausch and Sturm on XX/XX/XXXX that I attached for your review. Upon receipt of their email I contacted XXXX XXXX XXXX who referred me to the debt collector Rausch and Sturm and I have set up a payment plan with them. I have also emailed their representative XXXX XXXX twice in a row but I did not receive any response at all. 

After living for more than a year in the XXXX XXXX, XXXX XXXX I returned XXXX XXXX, XXXX  on XX/XX/XXXX. I was truly surprised to learn from my tenant that the debt collector Rausch and Sturm had tried to force them to receive letters dispatched from their office. I was astonished to see a letter that came from XXXX County Court where the debt collector Rausch and Sturm has acted on behalf of XXXX XXXX XXXX as the plaintiff and considering myself as the defendant and the letter was to notify me that they have been granted a default judgment against me to collect the debt I owe to XXXX XXXX XXXX and that they are going to initiate a bank Levy and a wage Garnishment. This whole lawsuit process in the XXXX XXXX XXXX has gone quietly without sending me any notification and while I have been making payments as a scheduled
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I received funds to cash app from an individual and I selected the 3 day option to have these funds transferred and the representatives at cash app have advised me that this action was performed against my wishes and that there is nothing further that they are able to do and i have also shown them the screen shots of where their own app tells me funds are not to be deposited today in an account that I did not select.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (WV)

Reference is made to CFPB complaint # XXXX where I complained about Equifax repeated, ongoing non-sensical responses to disputes which fail to 1 ) advise which dispute they are responding to and 2 ) provide any helpful meaningful information to resolve the dispute. Their response to complan # XXXX was just as non-sensical and ambiguous ; Their form response was completely irrelevant and had nothing to do with the complaint raised. So, now, I'm complaining about their non-sensical response to former CFPB complaints. How many complaints will it take before governing agencies step in and do something about Equifax lack of meaningful responses which do not address which dispute they are responding to, and fail to provide a solution? Or would it just be easier to hire an attorney?
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 4 accounts total, 1 on XXXX, 2 on transunion and 1 on XXXX which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. ()

Navient would not offer me any re-payment options that I can afford. As a result, I must work XXXX jobs, whilst trying to finish my XXXX, just so Navient are paid each month. i have called them several times to explain the extreme financial hardship they are putting me under but they have absolutely no concern for this whatsoever and do not offer me any alternatives.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I noticed an unauthorized charge on my citibank double cash credit card for {$85.00} made on XX/XX/2019. I called citibank on XX/XX/2019 and informed them that this charge was not made by me. They gave me a conditional credit for the amount but on XX/XX/2019 reversed this conditional credit and is forcing me pay for the fraudulent charge, even though it was clearly made by some other person based on the documentation. Their website proudly states : {$0.00} Liability On Unauthorized Charges. ( https : //www.cardbenefits.citi.com/Products/0-Liability-on-Unauthorized-Charges ) This is clearly not the case with citibank.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I provided screenshots of a purchase agreement on Cash app and also put the reason in the topic for why the money was being sent. The seller sent me a empty box. I opened a dispute and was denied. I do not recommend anyone to use cash app. This is a scam site and app. The seller had a XXXX day old account and has been listed as spam/scam on the selling site where they were found.
Consumer complaint received 2022-03-03
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. (PA)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The XXXX XXXX  credit card closed my account. And that's fine. The statement close date is usually the XXXX XXXX XXXX XXXX. I recently paid the card down to XXXX on XXXX XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on XXXX XXXX that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX  and TransUnion are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I did not receive at least 15 days notice on the transferring of my mortgage servicing rights. Citizens is transferring my loan services effective XXXX XXXX, 2016. The letter dated XXXX XXXX, 2016 was not postmarked until XXXX XXXX, 2016 in XXXX VA, I live in XXXX, MA, I revived the transfer notice when it on XXXX XXXX, 2016. This is not adequate time. Citizens knows this is a mortgage loan under the Section-8 Homeownership program, adequate notice must be received in order for the public housing authority and myself to respond and prepare for the mortgage transfer.
Consumer complaint received 2017-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (MO)

I leased a treadmill from  XXXX  in  XXXX , MO - the terms were explained to me as being bi-weekly payments with no interest until the loan was paid off in full. I completed all payments on-time, after the final payment according to the plan the register at  XXXX  provided. I was then told by   XXXX    ( the company  XXXX  uses  ) th at I had an additional 2 years of payments needed. They had converted the installment plan to a different lease without giving me any options.
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 status incorrect
Company: N.A.R., Inc. (UT)

XXXX XXXX XXXX and North American Recover are double reporting a debt on my credit file that needs to be removed. I recently looked at my credit file and noticed that they are both reporting a repo on my credit. This is a violation under the FCRA and the FDCPA which they are both regulated under. This needs to be resolved immediatley. I am aware that they report to the bureaus as they deem necessary and I ask that they report within guidelines and discontinue double reporting a debt.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

Hello  . ARS collection agency. First appeared on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to   XXXX   XXXX   XXXX   XXXX  . All  XXXX  agencies removed the listings.
Fast forward two years later, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with   XXXX   XXXX   XXXX   XXXX  . Again sent request to validate the debt - tracked of course though the USPS. They again failed to validate the debt. Still not removed from   XXXX   XXXX   XXXX   XXXX  . I do n't recognize the account and they did not se  nd validation of the debt. Not sure what to do at this point.
Consumer complaint received 2022-10-06
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following is incorrect with Transunion : 1. Incorrectly reported a high balance with XXXX XXXX XXXX  from XXXX and from XX/XX/XXXX XXXX. 
2. Incorrectly reported a high balance with XXXX on XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. 
3. Incorrectly reported a high balance with XXXX  XXXX  from XXXX 4. Disconnected from phone call with Transunion. 
5. Transferred to Transunion employees in XXXX which provided conflicting customer service answers to questions.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Borrower : XXXX. 
Property : XXXX, NY XXXX. 

I am writing in regards to a property located at XXXX, NY XXXX. The servicer of this mortgage is Rushmore. I am trying to do a short sale on this property which is an alternative to foreclosure or auction. I have submitted a loss mitigation package along with all financials to the servicer 5 months back. I have also submitted a legitimate offer to the servicer as well. Now, we have a sale date coming up on XXXX/XXXX/2016 for this property and servicer is not reviewing our offer and just passing time so that they can auction this property. Please take into consideration of the hardship homeowner is going through. I appreciate your help and attention on this matter.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I had a cashapp account. On XX/XX/XXXX. XXXX, three transactions had occurred to a XXXX ( cashapp tag XXXX XXXXXXXX ), at Block, INC XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. The transactions that occurred were one for XXXX $ another for XXXX $ and XXXX for XXXX XXXX Cashapp had stated and told XXXX XXXX XXXX XXXX that I did not need to pay one of the XXXX $ but I took part in the other {$200.00} and the {$300.00}. I had issues with my bank to where I had to pay {$500.00} because of Cashapp. I called on XX/XX/XXXX and they are opening up the investigation again, to look into it. I had called again on the same day to make a complaint and I had spoken to XXXX. He was very informative and was the only person I had spoken to that actually listened to what I was saying. He had told me that it does not make sense on why I would not be reimbursed for the {$200.00} and XXXX XXXX I had spoken to him and told him that I wanted to be reimbursed. On XX/XX/XXXX, I have been bullied all day by XXXX XXXX XXXXXXXX XXXX staff at the bank on XXXX XXXX XXXX XXXX XXXX XXXXXXXX, telling me that they would take my car and I would never be allowed to open an account at any bank again.
Consumer complaint received 2022-09-08
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account number 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 agency can not furnish an account without my written instructions
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (FL)

disputed false information reported on my  XXXX  credit file, agency verified item as placed by   XXXX   XXXX   XXXX  .   this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt.   as a veteran i use va,  XXXX  and have supplemental insurance to cover all.   this must be removed.