davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (TX)

A man got my personal info and applied for two loans and a credit card in my name. I was unaware that he was getting loans in my name. Upgrade, Inc says I am responsible for repayment of the loan that they advanced. The man had previously deposited money into my account and had me wire it to other people. When the money from Upgrade showed up in my account I was unaware that it was money LOANED TO ME. This occurred in XXXX XXXX The man had me send the money to a woman in XXXX Texas. The next day I discovered what had actually happened and immediately contacted Upgrade and explained that I never made an application for loans, credit cards etc with them. I found a second amount was being sent to my account and told Upgrade not to send it. They sent it anyway. I returned that money to them. Then a credit card showed up in my mail. I cut up the card and mailed it back to their fraud department explaining that I never applied for that credit card. Upgrade opened a fraud/identity theft case. I have contacted the FTC and reported the theft of my identity. Also, reported to FBI on their website, the Tx Attorney General, the Florida attorney general, My bank closed my account and opened a new account for me. ThXXXX XXXX XXXX XXXX XXXX is investigating. Upgrade responded that only the account that I sent the money back was fraudulent and the initial account is valid. Ridiculous. I have asked for all initial applications for credit be mailed to me. This company wants me to make monthly payments of XXXX. My total income is {$1300.00} from Social Security and {$480.00} from XXXXXXXX XXXX XXXX XXXX I would never borrow money with those terms. It is asinine for them to hold me responsible for this money. I have proof that the con man admitted that he was the one who applied for the loan.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (WA)

Cash app closed my card and denied my claim for refund I purchased from XXXX and XXXX curez was paid under cash app name not the company and then they said it was shipped and link in that email said Everly shipped it and Everly company sent me an email that they never received any orders from me. And this they sent me after it was already supposedly according to track 17 had delivered the package. It was rediculas and when trying to send cash app all the info I had they said no and said I was canceled so I have my work checks {$1300.00} every two weeks going to a cash app account with no bank card to pay my bills with or get cash out of and atm with ..because I was ripped off. So of course I wanted a refund there is a visa logo on my card it make purchases protected for me. But cash app will not even look at the evidence.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX claimed that XXXX XXXX to reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my XXXX card XXXX XXXX XXXX XXXX. 
XXXX  placed a {$86.00}, reversal of the fraudulent charge credit XXXX granted me while XXXX investigated my claim that XXXX XXXX this charge fraudulently. I received a letter from XXXX stating that XXXX agreed to reimburse my XXXX card for the {$86.00} Fraudulent charge. XXXX then reversed the fraudulent charge credit, placing this as a fee, on my XXXX card, even so this card was, at that time, already closed by me. XXXX claimed that the XXXX crediting my XXXX card would take my closed XXXX balance to XXXX. 
XXXX XXXX not credit my canceled XXXX. Prior to the " fee '' coming due, I contacted XXXX customer service ( for the fourth time on this issue ), informing them that there was a demand from XXXX for me to pay this XXXX XXXX customer service agreed with me that I will not be required to pay this fee. XXXX made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my XXXX card. This resulted in a substantial reduction in my credit rating. XXXX erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.
Consumer complaint received 2021-08-09
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. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

RE : Square Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX On XXXX XXXX, XXXX  XXXX XXXX, deposit from XXXX XXXX XXXX XXXX XXXX XXXX business account to our Square , Inc. Merchant account, {$500.00} same day of transfer the company emailed a letter Deactivated the account and placed said funds in the amount of {$500.00} on hold until XXXX XXXX for no apparent reason I, had spoken to a customer service advisor, and they couldn't explanation why the account was deactivated after I received debit card. 

We are asking CFPB to look into this matter and help us retrieve said fund back into our business account. 
Thank you in advance for your services in looking into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I was injured on the job in 2019 due to a XXXX injury to my XXXX that put me out of work. i applied for XXXX and was denied. i am in the process of appealing this decision. i have communicated with shellpoint newrez and they have helped a little. now they are saying that i owe XXXX my wife is the only one that works and makes little money. we also have XXXX girls that rely on us. i noticed that shellpoint is not applying partial payments and it says " unapplied funds ''. why cant these be applied when i am struggling to pay my XXXX mortage??? please help
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DE)

XXXX pnc mortgage homeowner insurance bill they waited until XX/XX/21 to pay it from my escrow account. the payment did not get to nationwide an my insurance was to be canceled on XX/XX/21. called several times to pnc couldn't find check.that was mailed. Was told XX/XX/21 that they could stop check an issue another but I would have to pay extra money for a few months to cover it. WHY? Also My property taxes are not paid due XX/XX/21. Taking copy of the bill to PNC bank in eden square bear de so they can fax to mortgage company. because they said the didn't relieve a bill. also sent out in XXXX.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

Sent a money transfer XX/XX/20MoneyGram states money will be received in minutes the reciever is yet to receive the money and it is XX/XX/20. The website state a refund can be processed if reciever hasnt received the money and I call a respresentative I was denied a refund. 
Ref number XXXX.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NH)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-05-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (FL)

Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : XXXX XXXX said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX  XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX 4.XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PO XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6.XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I acquired my credit report and ask the credit bureaus to make sure everything was complete and accurate according to USC 1681 i ( 5 ) I waited XXXX  days and everything was still the same with the consumer agency XXXX Equifax they didn't modify or remove anything the dates of the accounts are not correct I made extra payments and still no results can you please fix it this is stopping me and family from buying a house thanks
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, regardless if you guys issue a 1099- cor not. Consumer has to report charged off amount as income and income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8.Validate account XXXX  Account Number : XXXX Please remove it from my credit report 9.Validate Account XXXX Account Number : XXXX Please remove it from my credit report 11.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, 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
Consumer complaint received 2023-01-02
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX  XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP (HI)

Cawley & Bergmann, a debt collection agency, is harassing me constantly, calling me, they also claimed that they sent me mail, but I never received any mail from this

Company. I have no idea what this Company wants from me, I have no Business with this Compan
y, as I have never signed any legal contracts or agreements with this Company.

I have no debt!

This needs to stop immediately!!
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

American Express closed all my accounts. I called the executive office and was told I was rude to one of their agents. Really? Rude to an agent. I was not, maybe my authorized user XXXX XXXX was rude to an agent when he called but I was not. I tried to apply for a new card with AMEX but was told by their underwriting team I had been placed on their blacklist. This is highly illegal. Ive attached the laws for everyone concerned. I was even told by AMEX executive office that any new applications would automatically decline because I was on this illegal list. The executive office told me they could close an account for any reason even if it broke federal or state because their credit application is above federal and state laws. I spoke with an attorney ( for advice ) that said this was not true. Amex would need to pull a credit bureau and process the credit application like any other bank or face sanctions and lawsuits. I want my Amex XXXX card reopened immediately or if thats not possible I would like to reapply and be taken off this blacklist.
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Green Bay, Inc. (WI)

In XX/XX/XXXX I self XX/XX/XXXX myself and labeled myself as something that I'm not due to reason of XXXX  XXXX I was XX/XX/XXXX in the XXXX XXXX Jail and released on a signature XXXX then I had four years of XXXX  the last three months were served back in the XXXX XXXX XXXX and ever since XXXX I have had no criminal or legal troubles I've changed my life around and now I am attempting to sue the finance systems of Green Bay InXXXX and XXXX XXXX XXXX for the {$3000.00} bill they charged me for room board when I shouldn't have been there in the first place in the kitchen that I am also appealing the expungement and I are through Wisconsin court of appeals and also applying for a governor 's pardon because this history not only is wrong the charge and conviction are wrong but I don't know it also is very unfair that I can't find a job today with that charge in 4 years I paid over {$3000.00} towards this jail bail and now I am financially broke and can't meet my daily living needs keep in mind that some of those payments towards that jail bill came over the Wisconsin tax intercept program but all the rest the majority of it came out of my SSI benefits in which my representative payee has just graciously been paying to get rid of it so can you help
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Between XX/XX/XXXX and XX/XX/XXXX my checking account was cleaned out by someone posing as a bail bondsman. Capital One denied my claim, calling the charges ( all via ATM ) authorized. They werent. So now Im out {$3200.00} and said bank is either an accessory or an accomplice to a felony
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We have been struggling to get assistance from SPS since our mortgage was sold to them by XXXX XXXX XXXX. In XXXX our mortgage was sold to SPS and it took over 6 months ( almost a year ) for us to be acknowledged as successors in interest. We actually had to make a previous complaint and they finally called us and said ok we will make a payment plan with you guys so that we could catch up and begin to pay our mortgage. The payment plan they offerred would have required us to pay double our mortgage payment to catch up and nothing went towards the arrears so we suggested a plan that would pay towards the arrears and pay on the current mortgage which was denied! We were then told that we can not pay on our mortgage unless it was the full balance owed. Then CORONA hit!! We submitted a loss mitigation application in XX/XX/XXXX. We submitted our information over and over again and SPS kept sending letters saying we were missing information. After calling and emailing throughout the pandemic now XX/XX/XXXX they are now saying that all of our info in submitted andour application was complete as of XX/XX/XXXX and now 30 days later it is XX/XX/XXXX and they quickly denied us for a loan modification and assumption within 2 weeks after having our application for a year!!! We are constantly being denied assistance to pay our mortgage. We are constantly being denied any payment arrangement or being offered an arrangement that is so large that they have forced us into foreclosure we believe for the betterment of the company and not homeowners who have faced a terrible financial loss. We believe that SPS is not acting in good faith especially during a pandemic. We will resort to requesting a hearing as per CPLR 34087. SPS has never offerred us any assistance or allowed us to make payments to remedy this foreclosure. SPS has taken so much time verifying documents that have been sent in over and over to purposefully waste time and accelerate a foreclosure proceeding.