davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (ID)

i transferred money from my 2 of my bank accounts into cash app. its nothing new, i received money from both of my roommate 's for rent in my XXXX account and into my XXXX XXXX account. i use my cash app to transfer the money so i can then get either a cashiers check or write a check to pay rent. this is nothing new... i do this every month. 
well this time on XXXX XXXX XXXX i transferred money into cash app as usual. then when i went to cash out and transfer to my XXXX XXXX XXXX XXXX account ... .cash app froze my money. suspended my account with out warning or nothing. i contacted support and got the run around, i was told that they escalated my request and i would have to wait to hear from them via email. i heard nothing. i contacted them again on sat, sun and Monday and i still have gotten no response. i get the same spew of words stating that they cant tell me anything beyond this point. i ask for a contact number to whom ever is in charge and i got nothing. i have called cash app support as well and got nothing for answers as to why they have suspended my account. i have explained this is my rent money i have already written the check for rent, it will bounce if i don't have the money to deposit into my credit union account. they do not care. still i get no answers, i am fed up and at my whit 's end because i am going to be on the streets if the check is bounced. in fact we all will be homeless. i want answers as to what is going on and i have gotten nowhere. i even got verified with photo, id, etc and they still refuse to let me transfer my money. they have been very uncooperative. they dont have a number to call and find out anything beyond their support crew. its impossible to get answers from these people.
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Report act Convergent Accounts DEPT OF EDUCATION/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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have done business with people involving my music and people sent money to me thru ach transfers and now they put a 888 hold on my account expecting fraud and I need to bring people in to confirm when I shouldnt have to do that the amounts of the transactions are less than XXXX. I dont understand why they wouldnt of contacted me the first time it happened in XXXX but I need my funds to be accessed to me
Consumer complaint received 2017-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VIRTUOSO SOURCING GROUP, LLC. (FL)

This is a charge for  XXXX  service, i had cancelled my service with  XXXX  and return the phones, i spoke to a representative by the name of  XXXX  and he advised me that i will not be responsible since i have return my phones, Please remove this inquiry as it is affecting m y credit score.
Consumer complaint received 2017-06-08
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. (MO)

The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my  credit score  report from Experian, it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, m y credit score was  excellent.
Consumer complaint received 2024-01-28
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. (IL)

Disputes are being " verified as accurate, '' yet none of the furnishers or reporting companies guarantee 100 % accuracy in accordance with the FCRA. Thee furnishers and reporting companies do not guarantee any accuracy at all, and avoid liability for inaccurate information. Therefore, none of the information reported should be on the consumer report, or consumer file disclosure, or anything else. You can not " verify '' something under dispute and not accept liability for verifying whatever it is being verified. Especially when it is know that the information is unreliable as demonstrated by every furnisher 's and consumer reporting company 's Terms.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

When flying Frontier Airlines, they are offering a credit card with bonus miles. The offer was positioned as getting 60,000 bonus miles when you apply for a credit card with Barclays. Once you use the card for the first time, for any amount, you get the {$60000.00} bonus miles. When I received the card, I already had a balance of {$79.00}. It was an annual fee. This was not disclosed when the credit card offer was pitched to me. When I called Barclays to dispute, they said that in order to get 40,000 miles, I had to pay the annual fee and I had to spend an additional {$1500.00} to get the other 20,000 miles. Frontier and Barclays are pitching this offer in order to get people to apply for the card and misleading applicants in the process. You get pitched with " apply for the card, use it ONE time on any size purchase and get 60,000 bonus miles ''. But the reality is you get hit with an annual fee of {$79.00} upfront, you get 40,000 bonus miles and you have to spend another {$1500.00} in 6 months to get the other 20,000 miles. This is a misleading and predatory practice and should be investigated by the CFPB.
Consumer complaint received 2017-06-08
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. (MO)

The item currently in dispute is a XXXX that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record until XX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XX/XX/XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXX, I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on XX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday XXXX, XX/XX/XXXX and Monday XXXX, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent XXXX and to advise them that the information from their investigation is inaccurate. I am requesting that XXXX, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Equifax Re : XXXX XXXX XXXX To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. Enclosed is a copy of drivers license, copy of the reporting of the XXXX XXXX account, Copy of the Certified Letter sent on I continue to dispute the validity of this account. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NC)

I am XXXX and can not call. I was overcharged ( double charged ) {$11.00} by XXXX on X/X/17 at XXXX when I purchased minutes online for my cell phone. XXXX charged me twice for a single purchase. I contacted XXXX via their chat option on their website. I was told that they can not reverse the charge online and that I would have to call to get the charge reversed. The nice lady at the XXXX XXXX  tried to make the call for me but XXXX just kept adding 30 minutes wait time to speak to anyone and she did not have time to keep holding. Because I am XXXX and do not have XXXX XXXX nor a land line I could not call Direct Express to get them to reverse the charge so I wrote a letter as their web home page says you can do. I enclosed a copy of my printout of the chat conversation with the XXXX people as well as a printout of my Direct Express account that shows the double charge. I included all of the information the website says they will need to resolve the matter. I sent the letter and proof of the double charge to Direct Express on XX/XX/XXXX and again at the end of XXXX. The charge has not been reversed and I have not heard anything from Direct Express about the matter. Please help me get my money back. It is not much but when you live on XXXX and have to choose between food and medicine each month, {$11.00} makes a big difference. I am attaching proof to this complaint.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (OH)

XX/XX/23 XX/XX/23 XX/XX/23 I have been asking and submitting information about an item they have but this will not issue me ang WRITTEN notification ( s ). All I get is the RUN around. Bad customer service. No validation on/for what the say in written form!! 
XXXX TRS Recovery Services , Inc. XXXX XXXX XXXX XXXX, GA XXXX XXXXFax
Consumer complaint received 2017-06-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Me and my spouse live in a community property state where we both equally own our house. Also our house is an exempt property per our state statute. Carrington Mortgage Services is the mortgage lender for our property ( Carrington Mortgage Services, LLC   XXXX   XXXX   XXXX  ,  XXXX , IN  XXXX , Phone #  XXXX  ).
After we missed few mortgage payments, my spouse herself filed Chapter   XXXX    Bankruptcy and all the lenders, including Carrington Mortgage Services, were notified by the court.
Pursuant to Chapter   XXXX    Bankruptcy law, should automatically stay all the collection activities by the lenders.
Carrington was fully aware of the stay, but nevertheless, sent a letter of pending acquisition to us few days after filing.
When I called Carrington, the agent lied to me and told me that unless and until I file Chapter  XXXX  Bankruptcy, the foreclosure procedure wo n't stop, since the mortgage is under my name alone.
I explained her that since my spouse is the co-owner of the house, the whole house is considered to be Bankruptcy estate since she filed Chapter   XXXX   Bankruptcy and unless and until Carrington file a motion to lift stay in the Bankruptcy Court and get the motion approved, they can not do that.
The agent on the phone completely ignored what I said and threatened me that if I want to keep my house I need to pay immediately.
Few days after that Carrington  sent me a mail of mortgage loan default on  XX/XX/XXXX  of 2017. At that time, I again contacted Carrington, and the agent told me that Carrington has already sent me the pre-foreclosure notice and the auction for foreclosure would be on the  XX/XX/XXXX of 2017. Th is time Carrington agent provided me the phone number of the attorney that is representing the foreclosure process. The phone number of the attorney is :  XXXX .
When I asked the name of the attorney, the agent declined to do so.
Carrington has sent me three mails and also adding a fake letter from some unknown company who is willing to buy the house.
Carrington is continuing with the foreclosure procedure in violation of automatic stay and in violation of our state statute of exempt property and community property law.
I even explained Carrington that my spouse and her attorney has proposed a payment plan for 60 months, to catch up with the missed payment and interest accrued by our non-payment.
The agents would sometimes threaten with foreclosure and they would sometimes try to tell me the law that does not exist.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.
Consumer complaint received 2020-10-05
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (OR)

I do n't have reliable cell service and my calls get dropped frequently. I need to find out if I qualify for any deferment or forbearance options because I ca n't afford to make the monthly payment and my co-signer ca n't either. The only other way your website allows me to contact you is through mail : If I chose this option I will be past the due date for the loan while waiting for a letter. Here is a link to your website that shows this, https : //activitycenter.salliemae.com/ContactUs/Show Why do n't you have an email address on your website so that people can contact you this way? I thought this was an option in the past. When did this change and why?
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MS)

I have tried numerous times to dispute a bill from  Home Depot that was given to CBNA debt collection company for {$150.00}. I have tried several times to get this corrected and CBNA still cla ims that I owe this amount. My last attempt was with  XXXX  and they let it go.
Consumer complaint received 2017-06-08
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. (CA)

I sent this company a dispute letter dated  XXXX   XXXX ,    2017.  Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Greentree & Associates (WA)

I am a single,  XXXX   XXXX -year-old woman. I have lived in my home for 32 years. In  XXXX , I took out a conventional mortgage loan with  XXXX . The loan was supposed to be 5.5 % APR. At closing, I was charged 7.75 % APR and an additional {$18000.00} in fees. In  XXXX  due to a medical condition, I was unable make these much higher payments.   XXXX   XXXX   XXXX   took over the mortgage without my consent or knowledge and began foreclosure. The foreclosure documents I received only included 1/2 of the house on the Deed of Trust and Title, but included a building parcel I own free and clear, instead of the parcel with the other 1/2 of the house. I brought this to   XXXX   XXXX   XXXX   XXXX   attention.   XXXX   XXXX   XXXX   agreed to modify and re-do the loan as a short sale for {$330000.00}. However, they never completed this process and sold the mortgage again without my consent or knowledge to GreenTree. GreenTree began foreclosure without correcting the Deed of Trust or Title. They simply ignored the problem and went to foreclose anyway on the wrong parcel and only half a house. I paid for and completed two loan modifications, first in   XXXX   and again in  XXXX  only to be ignored by GreenTree. Since then I have made payments to the chapter   XXXX   Trustees for several years with the assistance of my attorney   XXXX   XXXX   XXXX  . In  XXXX , I had to file Chapter   XXXX   bankruptcy to stop the foreclosure process, ruining my credit and preventing me from doing business. Can you please help me? The fees and interest accumulated due to this dragging on for years is beyond the reasonable market value of the home. However, we are at a stalemate on who will address and correct the legal problems on the loan.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

An account was placed under my name erroneously. Since then,  TD BAN K  USA/TARGETCREDIThas damaged my name, and my credit TD BANK USA/TARGETCREDIT has entered derogatory information into my credit file. Multiple dispute letter has been sent a nd company failed to response and failed remove item from my credit file