davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 seven years. 

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 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AL)

Mom passed away in XXXX. Dad has XXXX and is bedridden. I have POA but have be denied access to the account. We need the money to pay caregivers for my fathers care. My attorney thought it was solved. Wrote a {$25000.00} check to deposit into a trusted bank and they returned it. When I call or go there I can never see the same person, so I have to go through the whole problem over and over again. I have taken documents over and over and they have lost them and sent them to the wrong place. That I was told by an employee. I call and ask for an employee to call me, but no call back.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

Hello. 

I am filing this complaint due to an issue with the promotional bonus on a CitiBusines XXXX credit card not being honored. The promotional bonus was XXXX XXXX miles if {$3000.00} in spending is completed within the first three months. The spending was completed as required and Citibank is refusing to honor the bonus stating that it is only available once every 24 months. I can confirm that there was no restriction on this application stating that this bonus was only available after 24 months. 

I sent a secure message about this but there was confusion because they claimed I was already provided the miles on XXXX/XXXX/XXXX. However another representative looked further into this and was correct in determining that those miles were provided to my account due to an error on another card account ( ending in XXXX ). So to be clear, they finally honored a bonus they were disputing on another credit card account, but made it clear that they could honor this one with evidence regarding the promotional bonus. So, they then requested evidence that my current account number ending in XXXX had a bonus associated with it. Including the request Please send a copy of the front and back of the offer you received on your Citi Business American Air World account ending in XXXX. 

This request for front and back does not make sense, however. There is no front and back of an offer. This was an online application link that was not related to a mailed offer. Below is full link that was used at the time : https : //www.citicards.com/cards/credit/application/flow.action? XXXX & XXXX & XXXX & XXXX & XXXX The evidence I can provide are screenshots from my application. It is clear that they do not show any language relating to the bonus not being available within 24 months of any AAdvantage card being opened or closed. 

I already faxed this dispute directly to Citibank with evidence on XXXX XXXX, XXXX and have received no response. On XXXX XXXX, XXXX I sent this same dispute by mail and in almost a month have received no response. So now I am forced to file a complaint with the CFPB regarding this issue. 

Thank you for looking into this and your prompt response.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

XX/XX/2024 I started a conversation using XXXX XXXX with someone I thought was going to sell me a puppy. I found this person in XXXX group that sells puppies. Everyone talked about said person was legitimate so I trusted them somewhat. We conversed a bit to where I felt somewhat comfortable sending a " holding fee '' which we agreed was {$100.00} the person called it to take the puppy off the market. I was still a little skeptical my senses were telling me it was a scam but they agreed to use XXXX. I said ok but the person said only send it as family and friends becuase there account was hacked using prduct and goods, which again was another red flag because that meant no payment protection. I hesitated but because the people in FB group talked so highly of this person I sent it. Only for the person to turn around an say oh send me more money for vet costs. I then declined to send more money and asked for my money back. XX/XX/2024 I then filed a transaction dispute with cash app because the card on my XXXX account was from my cash app. Fast forward to next day XX/XX/2024 I got a message from this person they refunded my money with an edited screenshot showing my name misspelled, so I knew the refund was false. And now cash app has denied my transaction disputes twice XX/XX/2024 and XX/XX/2024 even though I provided them with proof of the scam and merchant falsely saying they've issued me a refund.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (VA)

On XXXX/17 I payed in full the {$180.00} owed. I have contacted them several times asking when it would be removed from my credit report, they stated 30 days however it is now going on 36 days and still has not been removed. I spoke to a 'supervisor ' and was informed that it will be removed the first week in XXXX. Why do I have to wait this long for it to be removed if I have paid in full and settled it over 30 days ago?
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (DC)

I was scammed through my computer through cash app. A friend of mine was scammed as well. Cash app did the investigation but, they say that I authorized the transaction but I did not as I was scammed as well. On XX/XX/year> my computer stopped working and a message from XXXX flashed up that my computer was being hacked or words to that effect to call the flashing number to get the hackers out of my computer. Me like a XXXX called the number and the rest is history. I've had to cancel ALL of my banking information, contact the Maryland Department of Transportation as my ID is involve and requested an investigation through Cash App as that is where they got through. Cash App refuses to return the money I lost through my Bank Account through XXXX and a friend of mine was affected to the tune of {$450.00} which I pray she can recover. 

They used my ID and other information. I have contacted the MDOT, all my banking institutions and my wireless provider so they can send me another box to erase my TCPIP.
Consumer complaint received 2024-03-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

I stayed at a hotel on the XXXX of XXXX. There was a {$50.00} deposit placed on my card. I messaged cash app they blamed the hotel. The hotel provided my receipt and refunded receipt of the deposit. I have sent everything in but they say they can't help me with this issue. I filled a complaint with XXXX two weeks of same thing. Today being XX/XX/XXXX the deposit is still on hold.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (AZ)

On Thursday XX/XX/XXXX I went into the XXXX store because I was to take part in a XXXX XXXX by what I believed was a legitimate company by the name of the XXXX XXXX. They sent me a check in which I deposited into my BBVA account on Monday XX/XX/XXXX for a total of {$2900.00}. BBVA compass informed me that they were going to put a hold on the check to determine if the check was good and if so the funds would be available on Wednesday XX/XX/XXXX. On Wednesday XX/XX/XXXX it showed in my BBVA Compass Account that the funds were there and so on Thursday XX/XX/XXXX I  proceeded to do the job I was assigned to do and went to the XXXX store in XXXX Arizona located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX that stores telephone number is XXXX. Unfortunately to my surprise I was a victim of Fraud orchestrated by some scammers that made up a phony check, phony business, and ultimately got away with {$2600.00} dollars of my money in which {$600.00} dollars was taken from my bbva credit card and {$410.00} from my BBVA debit card. The remaining balance of {$1500.00} was taken from my debit card from another financial institution XXXX XXXX XXXX XXXX. I would like my money refunded back into my bbva compass account because I feel they are liable for making the funds available when I made it clear to them that I had no knowledge if the check was legitimate and if it was not then please let me know so I could report these scammers to the proper authorities and not have lost my hard earned money. I have called XXXX, the financial institutions involved and have provided proof and they have told me that they can't do anything about this in refunded me my money. The truth is if BBVA Compass bank would've never cleared the check I wouldn't be in this predicament.
Consumer complaint received 2017-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

I am a XXXX year old woman and in XXXX XXXX 2016 I notified XXXX that I wanted to cancel my XXXX XXXX and internet because I could no loner afford it. I was through with the two year contract. I had paid my XX/XX/XXXX bill and I knew that cable companies always billed one ahead. When I contacted them by phone I was transferred three times and finally a young lady kept trying to see if the bill could be lowered and I kept saying I want to cancel.I know they receive a commission when they stop people from canceling.The young lady did not inform me and where I should send the equipment and I looked up on the internet and found that I could take it to XXXX and they would send the equipment back to XXXX. A friend of mine took the equipment to XXXX for me and I do have the receipts. I have received letters from XXXX that they may disconnect my service. The bill at that time stated I owed $XXXX, now they state I owe $XXXX. I have asked for an itemized statement and informed them I contacted them at the XXXX XXXX XXXX 2016 and canceledmy services.They have now turned the account over to two different collection agencies.I do not have that type of money and wish I remembered the young lady I talked with to cancel my account. I know other people have had the same difficulty with XXXX.Thank you for any assistance or resolution to this problem. I also know if I had the money to pay this amount that XXXX does not remove it off the your credit.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

I am a victim or identity theft and my bag was stolen as well as other items with important information on it which i explained to supervisors at these banks as well my cards and account was used to purchase items and send money to unknown account as well as purchase items online / through XXXX XXXX in different states. Scammers have also taken my unemployment payments. I informed Company and was then told they are not refunding me at all.
Consumer complaint received 2022-08-10
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. (FL)

Ive formally contacted Equifax in regards to the unauthorized accounts listed on my credit report. In reference to their data sharing policy they have to have my consent to report anything on my credit report. I have made several attempts to remind you of your duty pursuant 15 1681. Under 15 USC 1681 A number 3 they did not have my consent or respected my rights to privacy. Under 15 USC 1681 Number 4 they did not exercise their grave responsibility, of being clear and concise they are being unfair and partial. Under 1681 b number 2 I never instructed you guys to furnish this report and never consented to this report.
Consumer complaint received 2017-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (CA)

On Thursday XX/XX/XXXX I sent Source Receivables MGMT ( SRM ) a letter to see if their client XXXX is still willing to settle my debt for less than the full amount so that I could paid it off. SRM sent me a letter back dated : XX/XX/XXXX. In that letter they stated they were in receipt of my offer to Settle the XXXX account. That letter stated : Please be advised we are willing to accept your offer to settle for {$500.00} due by XX/XX/XXXX. I withdrew money from my Savings account deposited in my checking and sent them a bill pay on the XX/XX/XXXX. I was able to view the cashed check online. It was posted to SRM 'S account on XX/XX/XXXX. I honored my word by sending in the money to settle before the date it was due. I have a copy of the letter, proof they cashed the check but when it came time to reporting to the agencies they chose not to. So I then Initiated a dispute with XXXX and XXXX. XXXX claimed I owed the full amount per SRM per my first completed dispute report I got back in the mail.. I immediately called up XXXX on XX/XX/XXXX and explained my situation. The rep at XXXX Stated the collection agency is still saying i still owe. I asked her if she got my pdf of my proof of settlement. She said she did. I said based on that letter your reporting is incorrect and you are violating the FCRA. The letter written by SRM to me clearly stated they were excepting my offer to settle. They ca n't circle back and say I still owe a remaining balance. That 's why its called a settlement. So then she said she 'd put in another dispute for me. I told her it should be reported as Account paid in full for less than full balance. Settled.. That same day, XX/XX/XXXX. I sent a fax to SRM which included my letter i wrote them, their reply accepting the settlement amount and lastly a copy of the paid check front and back. On the cover of that fax attn : XXXX XXXX. Per our agreement this account was settle on XXXX. Why is it still being reported as owed/unpaid? XXXX/XXXX were to be updated as paid in full for less than full balance. Settled. I also included my phone number and email address. Needless to say they 've never responded. XXXX ended up fixing the incorrect reporting. However XXXX is still reporting incorrectly. I just got the 2nd dispute back they updated what i paid but are still stating I owe {$580.00} and its past due. That is not right!!! This account is a PAID SETTLEMENT and SRM needs to honor their word and report as such. I have it in writing.
Consumer complaint received 2022-08-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # xxxxxxxxxxxx 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 Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

My credit card payment with US Bank was due on a Sunday. I paid on Monday morning ( XXXX/XXXX/XXXX ) the following day, and was charged a late fee. The credit card act of XXXX allows for payments that are due on Sunday to be paid without penalty on the following week day. I have asked 3 times for US Bank to reverse the charges and they have not done so. They have sent me an email stating they are forwarding my email to their " President '' for a response, which I have never received. They sent me XXXX a packet of the legal terms of my card. I am extremely appalled at the blatant refusal of US Bank to resolve my issue or even to respond in other than an enigmatic or a secondary manner.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a spark business credit card with capitalone and want to increase the credit limit to avoid to use personal credit card for business purpose. 

Since the limit is low, when use more than 10 % of credit limit will start decreasing the credit score. I have over {$150000.00} in credit limit on my personal credit cards. But I am not able to increase my credit limit with my spark business credit card. 

Please explain the reason provided : 1 ) Credit bureau information is missing or unavailable ( what is missing? ) 2 ) Recent use of this account 's existing credit line has been too low ( what is the correct use? ) 3 ) Your average monthly payment has been too low ( what is the correct amount? keep in mind I am using the balance transfer 18 months 0 % with 3 % fee, I have not interesting in pay the full balance in less the 18 months )
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Short sale approval received from XXXX, loan servicing moved to Specialized Loan Servicing for the XXXX loan number XXXX and the XXXX loan number XXXX. SLS called me XX/XX/2017 to reduced the documentation required for short sale on the XXXX loan because of the homeowner 's chapter XXXX bankruptcy filing. However, SLS has recently cancelled short sale approval on the XXXX loan.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NV)

There is multiple transactions from cash app totaling {$1700.00}. I reported these transactions as unauthorized to the company Cashapp in time. The company then gave me a bunch of excuses in writing, that I cant do anything about it. Their support is less than helpful. I tried to dispute through my bank, but my bank is saying, I have to dispute through cash app due to the terms and conditions agreed upon when signing up through Cashapp. The bank and cash app are in violation of EFTA. My recent contact with cash app, they told me to contact my bank since I already filed the claim. My bank has already denied the claim as failed to send-mail correspondence on the claim. I suspect the bank and cash app are colluding against customers. Cash app refused to file a claim being that I already have a existing claim through my bank, even though that claim has been decided upon against me illegally according to regulation E. The bank and Cashapp are violating the consumer protection laws and are being arrogant and disrespectful about it. 

The chat history you mentioned where I claim the recipient didnt honor the agreement was regarding another transaction for another recipient. There are multiple recipients for these transactions and for this claim. Your attempts to make that an overall excuse to justify these transactions as valid shows you enable fraud and abuse and couldnt care less about your customers. Im sure the recipients are felons with inactive accounts on their end. There was no verification sent to my email or phone when these transactions were made, despite the fact there are a lot larger than the transactions I normally made in the past your customer service is lousy and less than helpful. See reference here as proof of your lousy customer service. 

I mentioned in the chat history, which you didnt mention in your response, about a former roommate who stole from everybody in the house , probably initiated the transactions, which she didnt have my permission to do so, but yet you failed to mention that in your response, even though I added that image of the chat to the initial complaint. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-14
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )