davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (ND)

in accordance with the Fair Credit Reporting Act XXXX  XXXX  Account Number : 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 a account without my written instructions
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (CT)

Working on a short sale with this servicer since XXXX/XXXX/XXXX when XXXX service-released the loan to them. We lost one buyer already, but have a new buyer/offer in since XXXX/XXXX/XXXX. My understanding is that all files must be reviewed by The Committee prior to approval. I called twice today and was told that the file is still waiting to be reviewed by The Committee and that I should call back next week for an update.
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX # 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. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please see attached docs that show this " company '' blatantly disregarding my consumer rights and trying to collect on a debt that DO NOT OWE!! 1
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

my parents mismanaged and froged signatures along with opening up and sending me my mail causing it to go down. XXXX fired 3 days notice and stopped of XXXX poayments 3 days niotice XXXX 2016
Consumer complaint received 2015-09-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. 

Note also that we never signed any paperwork with Carrington
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I requested Capitol One to credit my account for XXXX dollars. I disputed acharge for a transaction submitted from XXXX XXXX XXXX on XXXX/XXXX/15. I didnot authorize this transaction. I demanded a copy of a receipt from DirectTax signed by me. Capitol One refused to provide it. I am seeking a fullcredit of XXXX. My card number is XXXX visa XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

Date of Transaction : XX/XX/2024 the amount sent to the bank was {$5500.00} The money is a refund advance loan paid out to XXXX XXXX ( me ) from tax product group bank. I have tried to get InTouch with XXXXXXXX XXXX plenty of times they have not called back not once i left plenty of emails and calls i have not been contacted bank. once i contacted cash app about the situation they told me in order to get my money back i have to get the originating back to send a letter of indemnification to XXXX XXXX XXXX XXXXXXXX XXXX. 
when i contacted XXXX saving bank they informed me that they do not do partnership with cash app anymore. i had the bank send a letter of indemnification to XXXX XXXX so they need to return the funds back to the sender i did my job on my behave which is have the sender send the indemnification letter to XXXXXXXX XXXX
Consumer complaint received 2017-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I have received an incorrect bill. They have called me, giving me an ultimatum, and telling me they would affect my credit. This seems to be harassment due to the below history. History : XX/XX/XXXX- I petition health benefits from the Social Security Administration ,  receiving a response saying I do not qualify. XX/XX/XXXX- I go through a XXXX procedure at XXXX XXXX XXXX XXXX XX/XX/XXXX- I receive a bill fro {$480.00} of charges, totaling {$1900.00} where XXXX would cover {$1400.00}. XX/XX/XXXX- The coverage by my health insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ended. XX/XX/XXXX- The coverage from XXXX XXXX XXXX XXXX XXXX , began XX/XX/XXXX- I paid the bill of {$130.00} for the total charges of {$290.00} where XXXX covers {$210.00} XX/XX/XXXX- Agreed for a payment plan to pay the balance of {$480.00} in 10 payments. I completed these payments between XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX- I received a bill for {$680.00} XX/XX/XXXX- I had a conversation with a representative at XXXX where I explained that this payment doesnt correspond to me, since I had already paid my {$500.00} deductible, and it is the responsibility of XXXX to pay that bill. I also added that it was very inconvenient that they were creating differing statements. XX/XX/XXXX- I receive a notice for the Collection Agency requiring the payment of {$680.00}. XX/XX/XXXX- I receive a telephone call from the Collection Agency ( XXXX  XXXX ) where I explain the inappropriateness of this bill. I then sent all the records and history of this issue. XX/XX/XXXX- In other conversations where I myself called XXXX , they agreed to pay this charge ( even if I dont have coverage with them at the moment ). The only condition they placed is that I send them a letter from the Social Security Administration stating that I was not qualified for XXXX. I obtained that letter, I sent it to XXXX and a copy to the Collection Agency. We agreed to wait for a response. XX/XX/XXXX- I received another notice from the Collection Agency requiring the above-mentioned bill amount, this time with very harassing notes, without any attempt to speak and communicate with me over the our previous agreement of waiting for a response from XXXX .
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

While shopping I found my debit card could not be used. I contacted Capital One bank to determine why. I was advised that the account had been garnished. This was my first notice. With help from XXXX XXXX XXXX XXXX, I filed a motion to elect exemption from the garnishment XXXX XXXX, 2015. On XXXX XXXX, 2015 the XXXX XXXX of Maryland granted the motion. I was advised by Capital One to visit the XXXX branch and give them a copy of the order and the branch could resolve the issue. XXXX XXXX, 2015, I delivered a copy to the branch and was advised that it would be forwarded to the legal department. Today Capital One has not made the account available to me. The garnishment has not been removed. The only money I have is a small retirement from the State of Maryland. I found that the retirement money is protected by law and should not have been garnished. The bank is aware as the direct deposit shows where the funds come from. I faxed a copy of the order to Capital One Bank and a copy to Capital One 360. I have n't heard from either entity. I want the money released so I can close the account. I feel that bank is not concerned with assisting me. I 'm certain they have received a copy from the XXXX XXXX. I do not understand why they have ignored this matter. Additionally, in XXXX and XXXX they charged me {$8.00} service charge for each month the account was not available to me, nor serviced by them. I want them to restore the service charges and allow me to close this account.
Consumer complaint received 2016-03-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I wanted to get tax info on my auto loan and it was not available on the website so I called the number on my bill and the website from my loan ( CapitalOne-XXXX ). When I called I was subjected to ads and offers from XXXX companies ( XXXX, XXXX, etc ) then was told that the number had been changed to XXXX XXXX. This was another ad for XXXX with no end to the loop. I just got out of the hospital and need to get this my answers quickly as I have no stamina. Can you please check into this and see that they correct the phone number or change it so people can get " Customer Service '' from a representative?
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

My Direct Deposits were deposited into my Cashapp account in XX/XX/2023 and to Date I have not had Access to my Money that was Deposited into my Account Direct Deposit from Social Security Administration. I have been giving the Run around and also told that I would have access to the funds after 10 days of investigation. Which never happened. The statements I have only shows the deposits from XX/XX/2023 and not the entire month of XXXX where the Deposits were added recieved by Cashapp
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

On, XX/XX/2024 {$800.00} XXXX  ATM did not dispense money but took it from my Cash App account. I immediately called the number on the ATM they said to call my bank. I called my bank ( Cash App ) but the representative kept trying to treat it as a regular transaction from a store. what I said to both of them was '' the atm spit my card out like it was going to say please take your money but it didn't instead the atm said system error and reset itself. '' The next morning I immediately went to the bank where the atm was and they said they couldn't help I had to call my bank. It was freezing outside I waited there for about XXXX min after the atm finished loading and it still didn't dispense any money. On XXXX XXXX 2024 I received an email from my bank stating my dispute had been denied for documents contact support. On XXXX 2024 I contacted support they replied wanting info on the dispute i sent it and still have not received the documents. Since XXXX XXXX 2024 I have called and chatted with support a few times to get the same results. So now my account is negative. And I am out {$800.00}.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

Dealing with usbankreliacard. There was money uploaded to my card on XXXX/XXXX/2020. I can not access that money. Have called to find out what the problem is approximately 7 times. At least three of those times I was told to upload documentation as to who I am. Each of those times I was directed to different places. On XXXX/XXXX/2020 I last loaded drivers license information. I checked to make sure it got to the place it was supposed to and was in my account file. I was told by one person I would have everything verified within a week. Another told me 48 hours. I just went to talk with someone and they hung up on me. Very frustrated at this point.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (SC)

Subject : Unfair Account Closures Cash App Dear consumer finance bureau, I am writing to bring to your attention a recurring issue with Cash App, a service I have attempted to utilize for financial transactions. Despite diligently completing the verification process for each account I try to open, Cash App has repeatedly closed my accounts without providing clear reasons, causing significant inconvenience and frustration. 

Timeline of Events : 1. **Account Opening Attempts : ** On multiple occasions, I have attempted to open an account with Cash App for legitimate financial transactions. I have consistently followed the verification process, providing all required information and documentation promptly. 

2. **Verification Compliance : ** I have diligently adhered to Cash App 's verification requirements, ensuring that all submitted information is accurate and in line with their policies. 

3. **Repetitive Account Closures : ** Despite my efforts to comply with Cash App 's verification procedures, each account I open is summarily closed by the company. Regrettably, no clear explanations or details are provided for these closures.

**Concerns : ** 1. **Lack of Transparency : ** Cash App has not communicated transparently regarding the reasons behind the repeated closures of my accounts, leaving me uninformed and perplexed. 

2. **Inconvenience and Frustration : ** The frequent closures of my accounts have caused considerable inconvenience, disrupting my ability to engage in essential financial transactions through Cash App.

3. **Impact on Reputation : ** These account closures may have unintended consequences on my financial reputation, potentially affecting my ability to utilize other financial services. 

**Requested Resolution : ** I seek a thorough investigation into the reasons behind the recurrent closures of my accounts with XXXX  XXXX. Additionally, I request clear and detailed explanations for each closure, enabling me to address any concerns or discrepancies promptly. 

I trust that the XXXX XXXX XXXX will facilitate a fair resolution to this matter, ensuring transparency and accountability on the part of Cash App. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2015-05-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (NE)

A 'dunning ' letter sent from Credit Control , LLC was dated XXXX XXXX, 2015 and received by consumer XXXX XXXX 2015 which Consumer feels cuts deep into the XXXX ( XXXX ) day timeline allotted by the FDCPA to respond to the letter in a timely manner. The envelope the letter was mailed in was postmarked XXXX XXXX and received by consumer XXXX XXXX 2015. This attempt by Credit Control , LLC to violate consumer 's right to the XXXX ( XXXX ) day timeline allotted to dispute the debt falls under the Fair Debt Collections Practices Act ; Section 15 U.S.C. 1692e " false, deceptive, misleading representation ' and violates consumers rights. Furthermore, Consumer does not owe Credit Control , LLC a 'debt ' based on the FACT : Consumer has no fiduciary, contractual obligation to pay Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) anything. There is no payment history, nor products, or services that have been rendered to Credit Control , LLC, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) pursues this matter. Consumer refuses to be a 'victim ' of unjust enrichment or extortion. Consumer thanks CFPB for providing this venue as a means of formal documentation. Consumer will file a state and federal lawsuit if Credit Control , LLC chooses to adopt their own agenda and ignore this complaint.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Experian has not responded to my certified letter they received on XXXX XXXX, XXXX. The letter stated the following : RE : XXXX Dear : Experian please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that tis account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

someone in north Carolina has stolen my identity information and has purchased items including XXXX cell phones thru XXXX on XXXX/XXXX/2015. A police report was filed as soon as I found out about it on XXXX/XXXX/2015. A investigation from XXXX is under way thru there fraud department and our local police department.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Associated Credit Services, Inc. (MA)

Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number.