davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (ID)

it all started back on XXXX by a company named XXXX XXXX, XXXX, GA. They took out $ XXXXoff my card. and sence then nine different companys have been taking money out of my account, and when you call each one of them all the calls go to the same place even thou they have different numbers. and when i asked them what i bought from them they all say that its a sweepstakes that i intered, which i never authorized them to take any money out. they told me that i called them every time before they took money out, and when i ask to hear those calls they told me that they couldnt do that even thou they took out money 23 times. i reported it to my bank and they did a investigation and they said that i authorized them which i didnt all you have to do is check my phone records and you will see that i never called any of those numbers untill i reported it to my bank so i dont think my bank did a very good job investigation this, for one reason is that it took them after i called them three times to get their report, a month and a half to get the report to me and all it had in it was my monthy statements and the info that i sent them nothing on what they did to come up with their determination on my case. if you need more info let me know and i will be more then glad to send it to you. thank you very much XXXX XXXX
Consumer complaint received 2021-02-02
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2019-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

applied for XXXX  XXXX XXXX- {$2300.00} Date of loan-XX/XX/XXXX XXXX XXXX XXXX- {$3800.00} Date of loan-0XX/XX/2013 XXXX XXXX XXXX- {$1400.00} Dat of laon-XX/XX/2013 XXXX STAFFORD SUBSIDIZED- {$2700.00} Date of loan-XX/XX/2013 After withdrawing from classes because of my mental impairments ( im XXXX ) navient placed all my loans into a grace period ( XX/XX/XXXX ). Following the grace period my loans were placed into forbearance three times and into repayment four times ( not income driven repayment plan ) until finally I was told about the income driven repayment plan, unfortunately however this is where things turned bad. I wasn't told about the re-sign up date once a year and subsequently my credit score and my life suffered. I called navient to let them know I was XXXX again and submit documents for proof which failed due to customers service bad information. I called again to let them know I was XXXX but was told nothing about XXXX discharge until I asked during my third phone call. 
I'm mentally XXXX and have been this way since i was a child. Im XXXX XXXX XXXX and because of navient i have a 90-120 day late payment on my credit score and unable to get an apartment credit cards or vehicle financing not to mention the sever XXXX on top of my XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (TX)

XXXX XXXX - {$120.00} I CONTACTED THIS COMPANY BACK IN XXXX OF 2020 TO HAVE THIS INACCURUARATE INFORMATION REMOVED FROM MY CREDIT FILE. NO CALL BACK OR RESPONSE BY PHONE OR MAIL FROM THIS COMPANY.
Consumer complaint received 2023-09-08
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. (TX)

I am writing to express my extreme frustration and concern regarding an issue I have been experiencing with Cash App today. 

Today, at approximately XXXX XXXX, I initiated a transaction to load money into my Cash App account. Typically, this process is instant, and the funds are available for use right away. However, it is now XXXX XXXX, and the funds have still not appeared in my account. This delay has caused me significant inconvenience and distress. 

In my attempt to resolve this issue, I have taken the following steps : 1. I reached out to XXXX customer support, and they confirmed that the issue lies with Cash App. 
2. I contacted XXXX XXXX XXXX, and they also verified that the problem is related to Cash App. 
3. Upon searching for information about Cash App today, I discovered that there have been reports of Cash App being down. 

My frustration is compounded by the fact that I tried to contact Cash App customer support, but the phone number provided on the back of the card directed me to use the app for support. Unfortunately, due to the server being down, I can not access the app or get the help I desperately need. 

I understand that technical issues can arise, but the lack of communication and transparency in resolving this matter is deeply concerning. I rely on Cash App for various financial transactions, and this unexpected delay has disrupted my financial plans. 

I kindly request that you investigate this matter urgently and provide me with a resolution as soon as possible. It is essential that the funds I loaded are credited to my account without further delay. 

I appreciate your prompt attention to this matter and hope for a swift resolution. Please reach out to me to provide updates or request any additional information you may need. 

Sincerely,
Consumer complaint received 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (CT)

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (DC)

I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the XXXX XXXX XXXX XXXX and its still reporting to my credit report.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX PURCHASERS OF XXXX 
Original creditor is Capital One bank. Account sold and resold to XXXX who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No Capital One records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX//2017? Was that when Capital One was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NJ)

On XXXX a payment was paid via bill pay from my bank to US Credit Card account for entire statement balance of XXXX, this posted to my US Bank Credit card account on XX/XX/. USBANK then proceeds to try to autopay the SAME AMOUNT of XXXX, as a pending payment to be effective/posted on XXXX  I want to make this clear, this is a duplicate payment. I have tried cancelling it online, and also reached out to customer care, they will not let me cancel it for some unknown reason ( payment has NOT been processed yet, so it is not even in progress ). Their only option is to allow payment to go through, and ask for a credit after it posts, which could take over a month. This money is needed asap ( food, expenses, bills, mortgage ), and will sit interest free as a negative balance to my credit card, because US Bank for some reason can not cancel the ach payment that is occurring multiple days from now.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$260.00} 2. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} XXXX. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 8. XXXX Account Number : XXXX Bal : {$390.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2023-03-19
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. (GA)

I am writing to dispute the following information in my file, I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act G604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigaton, picase send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents aulhorizing c inquiry, and signed on my behall, so that I may verity its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately ft credit file. Please be so kind as to forward me documentation that you have had the unauthorized inqu removed. If you find that I am in error, then please send me proof of this Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above, According to the provisions of 5 612 ( 15 USC 9 1681 ) ), there should be no chargo hom Your immediate attention to this matter is appreciated
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (UT)

I first disputed a debt collection online and asked for a method of verification on XX/XX/2019, I also asked for my personal information to be updated and for my innacurate and incorrect names and addresses to be removed. Experian immediately verified the debt without informing me of how it was verified or what documents it used to verify this account and made no changes to my name or address. I disputed this same collection again in writing and through certified mail on XX/XX/2019 and politely asked to be sent every and all information used to verify my debt such as a contract binding me to this collector or any sort of receipt verifying the dollar amount that they are alleging I owed them. I also provided them with a copy of my identification and proof of current address in order to update my innacurate personal information such as names and addresses. Experian verified my debt within 10 days and failed to provide me any documentation and also failed to update/delete my incorrect personal information.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (VA)

I attended XXXX XXXX XXXX. XXXX XXXX in XXXX on my post XXXX which is paid for by the Va and they pay my tuition and fees and a housing allowance. The Va department falsely signed me up for financial aid and classes that was never taken and illegally sold my information to XXXX and took out false payments from my state withholdings. This is not the first time they have been charged with fraud. As you can see in account inquiry that is supposed to be my schedule where I withdrew all my classes but one and got a U in one out of 4 which is a class from XXXX. They they aggressively came after because I was a XXXX veteran and had ties to the Va to falsely accuse me of failing a class to look like I took it twice and failed. In enrollment form you can clearly see where they falsified fasfa enrollments. I am definitely going to sue
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

A victim of identity theft. Tried to handle it through the bank they said they have no history with me having an account or anything even given my ssn and still no trace of me next you thing I go into the bank and they said my account is closed
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an XXXX  data breach. Immediately delete those accounts or I will file litigation.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (GA)

FINANCIAL RECOVERY SERVICES, INC On a letter Dated XX/XX/2019, In a written letter stated that I owe them {$1000.00} Dollars. I do not owe this debt and sending a written dispute concerning their written letter.
Consumer complaint received 2022-07-09
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. (IL)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX* DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT ED/XXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NC)

I made my {$40.00} credit card payment on the second of this month. I have evidence to show it came out of my bank account. I get a email saying my card is behind on payment today and my new balance is up from {$260.00} to {$400.00} just because of late fees and service fees. This is twice they have hit my with late fees when I always pay my bill on time. I have screenshot proof that this was an error and they are unwilling to change their mistake. It's the Milestone credit card. I did close the card account but I still want to just pay my bill and be done!!!
Consumer complaint received 2019-10-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Management Services, LP (IN)

I called CMS this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over XXXX years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in XXXX  just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XXXX. 

This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.