davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XX/XX/XXXX. We are trying to get TransUnion to remove it from my credit report as it was paid off in XX/XX/XXXX.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I have a VENMO account with about {$500.00} in it that is linked to my checking account with funds in it. On XX/XX/XXXX I tried to pay someone using my funds only to find out my account was frozen. I was never notified. I was also unable to withdraw my funds back to my bank account. I followed all the online instructions for unfreezing your account, however, nothing worked. There are no phone numbers listed on the website to call so I finally sent an email. They didn't respond for a few days and when they did I was informed that it would take 6-8 more businesses days for someone to look into it. 

When I went on their XXXX page I noticed hundreds of complaints from other consumers who are having the same problem and many with worse problems. I believe there is some kind of fraud linked to the plunge in crypto currencies involved. 

Can you help? 

XXXX XXXX XXXX
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan C. Frank & Associates, LLC (SC)

XX/XX/XXXX - XX/XX/XXXX Various text messages received regarding a debt. 
Tuesday, XX/XX/XXXX - Relative contacted regarding a debt. 
No notice of any debt in writing to date. 
I do know what this is related to or if it 's a new fraud method. 
Traced phone number to www.jonathancfrank.com
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

On XX/XX/XXXX, I was sent an invoice of {$250.00} for tutoring services. Today XX/XX/XXXX, I have still not received my money. I waited after 90 days, which is XX/XX/XXXX and have no received my money. This is illegal to me. The transfer keeps saying it will transfer but then when the day comes, push it back further. I have repeatedly emailed Square, tried to call them and have left a complaint before. I am a military spouse who just moved XXXX  who had to leave my job. This is so ridiculous this company is doing this to hard-working Americans. I will never use Square again and will be sure to tell people to stay clear from it. Over {$250.00}.
Consumer complaint received 2021-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

On XX/XX/2021, we received notification by letter from TCF Bank, dated XX/XX/2021, that a temporary freeze had been placed on our existing HELOC line of credit, allegedly for the following reason : " The value of your dwelling has declined significantly below its appraised value. '' This determination and decision is alleged to have arisen due to the bank obtaining an " AVM '' of our home 's estimated value. 

We have made multiple good faith inquiries, beginning XX/XX/2021, and continuing, including requests to provide the underlying documentation for this decision, as well as our request to immediately reinstate our line of credit. We included in these contact submissions of estimations of our home 's value from public independent third-party vendors, which serve to refute TCF 's claims. Their allegation of decreased value is simply not supported by the facts available to us. Any facts in their possession, if any, are inexplicably being withheld - perhaps unlawfully. 

Our account has been in good standing since inception of our loan with TCF Bank, and continuing. We did receive a response from XXXX XXXX, AVP, Underwriting Manager on XX/XX/2021. However, his request for additional irrelevant documentation concerning our senior mortgage principal balance and reference to an alleged ongoing " investigation '' is illogical, intrusive and confusing, entirely missing the point of TCF 's assertion that our home value allegedly decreased significantly, which is the only subject at issue in this matter. We have significant concerns with respect to TCF 's apparent unethical business practices. 

It is our position that TCF is not acting in accordance with the principles of good faith and fair dealing, as required by virtue of our loan agreement with them. Further, we are of the opinion that both their determination and decision are incorrect and unsupported by the facts. The manner in which TCF is negligently or intentionally handling this entire matter from its decision to suspend our line of credit to its complete lack of meaningful response to our valid concerns and well-founded objections leads us to a reasonable conclusion that their actions are both arbitrary and capricious.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I purchased on line lottery tickets on Illinois XXXX XXXX Web site using my XXXX XXXX ( XXXX ) credit card for the amount of {$12.00}. To my surprise this transaction lists as a Cash Equivalent ( cash advance ) on the credit card statement and carries {$12.00} fee ( {$10.00} cash equivalent fee + {$2.00} minimum interest charge fee ) that is 100 % of the charge. Ive called the card and they, with some reluctance after calling a manger, reversed the {$12.00} fee. However, they told me that the problem lays on the lottery side. Ive purchased lottery tickets with other credit cards through the Illinois XXXX XXXX Web site before and never experienced being it a cash advance transaction. Therefore, I called the Illinois XXXX XXXX ( XXXX ) and was told that all credit card transactions are processed as a credit card charge and never as anything else ( cash advance etc. ). Ive called back the card but they insisted that the problem is on the lottery side it is hard to believe as the card benefits from these transactions not the lottery while a purchaser is not aware of a change in transaction type and the fees.
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

good afternoon I contact you because I received a letter from a company called radius saying that I have a balance with them that account is not mine and I would like you to review the account to investigate what is happening someone has asked for credits in my name without my consent.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I called and spoke with company in XXXX. I gave the employee an updated address to mail me something about the amount owed. I emailed XXXXXXXXXXXX about not receiving the letter. It is a little confusing because the letter has fraud as XXXX charge but when I did a search on XXXX XXXX XXXX 's website there is an document that has XXXX. I think it is in the official records search. 

Text from email : To whom it may concern, Please forward this email to the appropriate department. I was told on XX/XX/XXXX that a letter was being mailed to me. I still have not received a letter. The online payment number that is provided on the letter dated XX/XX/XXXX is XXXX. There is also another question that I have that I asked an employee at the XXXX XXXX XXXX XXXX about a corrected document that shows on a search that has XXXX as the charge but the letter mailed to me in XXXX  has Fraud Insuff Funds. Please look into this. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (PA)

CashApp wrongfully closed my account and took my money with it this morning, XX/XX/year>. They stated I violated several terms and conditions, I have not. I have been with CashApp for several years, use it all the time for simple purchases and paying friends. This morning they stated I was involved in wrongful CashApp transactions and shut me down for violating their terms. The only things Ive used it for in the past few weeks was to pay one friend, get gas, and get dinner. They took my money that was in the account, that I saw in there THIS MORNING, and then told me I actually had no money and I was lying about that part. They made me submit both a verbal and written appeal to get my account back and only possibly see my money again.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Account : XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

Inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (NE)

Had a worker 's comp claim through the XXXX  I worked at. 1 - This debt is IS covered by that, as confirmed with the employer. However, they have not bill the work comp insurance for this item ( only billed 1 or 2 ). We have tried contacting them ( Alpine and original biller in XXXX ) and told that the work comp office must contact them. That office has tried to contact them multiple times and left messages but can not get a returned call. 

At this point the claim is closed and even if they did finally bill them, they could not do anything with it to payout due to the lack of responsiveness and failure to provide information to myself or the worker 's comp office who is responsible for this bill.
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (OH)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-17
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. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON THE DISPUTED ACCOUNTS. MY XXXX, XXXX XXXX  AND XXXX XXXX XXXX   ACCOUNT ARE REPORTING LATES. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (FL)

My private student loans were originally through  XXXX   XXXX , which were sold  to   XXXX   XXXX   XXXX   , LLC .  I made arrangements to have payments auto-drafted from my account and up until  XXXX     2017, th ey were regularly paid. As of  XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero  correspondence with them about this. They informed me that I have  XXXX  additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending  XXXX  University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

A person sent me {$60.00} in error on cash app XX/XX/XXXX ... That person informed me the next day XX/XX/XXXX. I acknowledge receiving the {$60.00} and sent back on XX/XX/XXXX standard delivery. That person filed a dispute on XX/XX/XXXX prior to calling me. Cash app investigate the dispute and refunded that person another {$60.00} on XX/XX/XXXX. Two weeks and two days later. I contacted cash app via the app and explained the error and requested a refund. They replied once refunded case closed. I informed them that they did not do due diligence on investigating the dispute because it {$60.00} had been returned on XXXX two days after originally sent. Therefore no refund of {$60.00} was due since account had already been made whole.
Consumer complaint received 2022-04-25
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: CLGF Holdco 1, LLC (WA)

Who, what, when, where, why, and how? 

I was contacted by a notice by CBIndigo attempting to collect a debt that I never contracted nor agreed to pay. They reported negative and defaming information beginning XX/XX/2018 on my credit report. I have called back the number they were contacting me by and have not been able to get any response to validate this debt. I do not agree with their actions. I am challenging the accuracy and integrity of the information. 

12CFR 1022.41 Reflects : ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

CFR 1022.41 ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.