davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

Quality Acceptance LLC is disgusting. We were told that 12 % was our interest rate. And paperwork had started on a XXXX MUSTANG for XXXX. XXXX sales lady came back and said that interest rate had changed to 17 % and that we would need now an additional {$1000.00} = {$2000.00} down. We reluctantly agreed but were assured that in one year if we were up to date with payments, the interest rate would fall extremely low for remainder of the 36 payments. But after that, we were yet told one more time that interest rate now rose to 19.95 %. Or if we paid car off early we would naturally not owe the 19.95 interest rate of the lower one for those months paid early on the back end. 

In following year we either made our payments before hand and in one occasion it was one week late. But QUALITY ACCEPTANCE LLC would call for no reason, harassing about payments even when we were up to date, check phone records. And sometimes more than once a day to me and to XXXX separately even after we explained the payment went out on time or for one time one week late. 

So in XXXX XXXX after one too many harassing phone calls, I called and spoke to a XXXX at QUALITY ACCEPTANCE, due to all the prank phone calls from our identity theft and so many unresolved issues, I contacted FTC to see what the laws or regulations were. I found out that it is against regulation for them to call so many times, and if I let them know that they need to stop, that they have to be law. As well that with my proven identity theft and loss, and unresolved fraud on my credit report and that I not only proved it to them, but also they let me know they were aware as they saw it for themselves, that we deserved a much fairer interest rate than given at time of purchase. I also discussed my one year of loan payments on time to QUALITY ACCEPTANCE, that I wanted talk about the lower of interest rate as promised, and XXXX said that payment status was very good that they were not gon na lower the interest rate as promised. 

So I asked XXXX if it would be ok if I was one payment behind and put it in back. She said yes, that my payment history was good enough that they could extend that to me. That call was in XXXX XXXX. And not only but a few days later from calling XXXX and her confirming that I could be late and that not to have people calling me, I got several calls about the payment even though I confirmed XXXX said it was ok and after asking customer service to stop calling me, that I made a complaint, they still continued call. 

And after doing a little research and finding out that QUALITY ACCEPTANCE, not only took advantage of our identity theft situation charging a much higher interest rate than we deserved, and charging us twice as much down as first said, and the fact they had no integrity in honoring the lowering of interest rate, and not only all the annoying phone calls, but to make them after I asked them not to ; I found out that they had violated regulations and had cheated us.
Consumer complaint received 2020-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2020 I was offered concert tickets for an upcoming show via XXXX. After some back and forth in the conversation

we settled on a price and payment method - CashApp. I sent the payment, and the person immediately asked me to send more money to a different user name using the same payment method. I told her I would not send any more money until the money I'd just sent had been returned. Further excuses came up as to why I wasn't getting the money returned, and I knew I had been scammed. I reported the issue to CashApp only to be told there was nothing they could do. First it was nearly impossible to find a way to contact their support team because of how their app and website are setup. They are seemingly TRYING to make it hard for users to hold them accountable for transactions they are facilitating. Every other service
that provides the ability to provide mobile financial transactions provides protection for their users against scams such as these, but they have NO concern that dishonest people are using their service to ripoff honest ones.

I tried filing a claim with my bank to notify them of this fraud, but  XXXX said that because of how CashApp is setup they couldn't resolve the issue on their end.
Consumer complaint received 2015-05-27
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: Ditech Financial LLC (CA)

Cease and decisist violation is XXXX issue along with a refusal to consider important aspects of my situation. 
In mid 2009, when I was still current on my loans, XXXX XXXX and the associated financial problems forced me to request the lender to restructiure my with XXXX Bank. This was a proactive request made in anticipation of future buget problems. There has never been a response to this request for restructuring the loan. In spite of sending the letter by Certified Mail, First Clss mail and FAX, I never received a reply. XXXX months latter I sent a follow up to those lender. I have never received a reply and the home went into foreclosure. Because my XXXX demands that I live in a single story home it had been my intent to move into this home. Now, because of the foreclosure I lost both this property, my credit rating and have been forced to spend more than {$35000.00} in construction costs to make it possible for me to live in my XXXX story home. I ca n't go upstairs and, because of my ruined credit rating it would have been very difficult to get a new mortgage. 

The XXXX reported that XXXX XXXX XXXX Solutions purchased XXXX XXXX loans for XXXX cents on the dollar. In response to the aggressive regotiations and harassment by XXXX XXXX when attempting to force me to settle, I seved by cerified mail a Cease and Desist Order. 

Presumably my loan and file were then sold on at another discount to Green Tree Services. Again after negotiating in good faith I had to point out that a cease and desist demand is in my file. They have never provided documentation to show that they actually owned my loan. As a remedy to their refusal to acknowledge the fact that I had been financialy damaged I urged them to have the matter heard by a judge. They refused and XXXX XXXX said 'That would never happen '.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I was recently charged a {$98.00} fee by Bloomingdales for an original purchase of {$27.00} for shaving oil, due to the fact that I never received a bill. I moved XX/XX/XXXX, and although I filed a change of address with the post office, I never received a bill from Bloomingdales. However they charged me XXXX late fees even though I never received a phone call or bill. Today I checked my credit score and this bill was added to my credit as late payment. I have proof that I changed address and during this time I did receive Macy 's information, although nothing from Bloomingdales. I asked Bloomingdales to send me proof that they sent bills but have yet to receive any from Bloomingdales. The only other purchase I made with the Bloomingdales card was a leather jacket that cost over {$800.00}, and this balance was paid off with XXXX payments. Most interesting was that Bloomingdales did not even have the address that I moved from, so I find it hard to believe that they mailed me any invoices. 
I am very angry that this is now a negative mark on my credit for a small bill of only {$27.00}. I am not that silly to ruin my credit for such a small amount and would like Bloomingdales to be punished for their shady tactics.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

Dear CFPB, I am writing to you in regards to my credit card. My card was compromised and someone purchased {$670.00} worth of merchandise from XXXX. Therefore, the credit card company took these charges off of my card. Then, apparently the merchant repaid the charges, and the credit card company put the XXXX charges back on my account. They say I was re-embursed twice. I 'm not understanding how. All I do understand is that I 'm paying for {$670.00} that I did not purchase. I hope you can figure this out and help me. Thank you for your time. XXXX XXXX XXXX
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

XXXX, MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX XXXX : Macys Amex account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 2020-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

On XX/XX/2020 I sent {$400.00} to a friend via cash app who does not have access to that particular account. The identified number is XXXX. Ive reached out to cash app and provided them with the verifying information they asked for. They refuse to give me access to the account. They refuse to tell me why and help my further with this dispute.
Consumer complaint received 2023-04-19
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. (NJ)

I have repeatedly requesting from XXXX XXXX to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, Transunion and XXXX all continue to verify this bankruptcy all siting that XXXX XXXX their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor XXXX XXXX, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

XXXX XXXX does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore XXXX XXXX is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.
Consumer complaint received 2023-04-19
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2020-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/20, I sent a Cash App of {$120.00}, to someone that lost their Cash App card. On the very same day, she contacted them regarding the lost card. They explained that the money would be refunded to my bank account within 5, working days. We've made several attempts at resolving this matter, requesting that the money either, be returned to my account or, the receiver. Each time Cash App advised that we did not respond in 3 days, therefore, we'd have to contact them again.Presently, I've been advised, that the money can't be canceled or refunded nor, can the receiver collect the funds because, she lost her card. So far, I'd never received a valid answer to the refunding of my money. Any assistance in this strenuously, frustrating matter would be deeply appreciated. Thanks
Consumer complaint received 2023-04-19
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: Exeter Finance, LLC. (SC)

I have written to the CEO, disputed the late payments, and as a result late payments keep coming off and on my report. In according to the FCRA they have violated my rights under 15 usc 1681section 602
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/ at XXXX I attempted to deposit {$450.00} cash into my checking account. The ATM XXXX for Citizens Bank at XXXX XXXX XXXX XXXX NY XXXX ate my deposit cash deposit. 

The bank refused to reimburse or debit my account these funds deposited
Consumer complaint received 2018-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services is attempting to collect on a debt for XXXX XXXX XXXX   XXXX. However XXXX XXXX XXXX XXXX as well as Phoenix Financial Services has refused to provide me with proof of the Debt. I was not living in XXXX on the date of service in questions and was not seen at any of the XXXX XXXX. I requested for them to provide me a copy of any documents the individual presented when they signed into the hospital or anything that was present that proves this was me or my debt. They have refused. They are attempting to collect for XXXX
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2017-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I recently received a letter dated XXXX XXXX 2017 from Capital One stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite Capital One 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite Capital One 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the Capital One department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Consumer complaint received 2020-04-29
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. (TX)

Filed complaint XX/XX/20 XXXX Experian Credit Bureau. Received response along with credit report dated as ( Report # XXXX for XX/XX/20 ). It states I made a statement that is FALSE & FRAUDULENT on " Active Military Duty ''. I have never been in any branch of the military and definitely would not have told this lie. When I talked to someone who identified themselves as " XXXX 's '' ( Experian ) this issue was notified as been fraudulent and I wanted it removed from my report. I was not aware of this until my Banker was reviewing for financial matter. I could not Believe this was listed on my report. This was in XXXX, if not mistaken. Now here it is on my report XX/XX/20. 

To further concern in all of this corruption and fraud, FBI should contact me since these activities initiated from Local Law Enforcement and other locals to " Bring me down anyway they could '' and recruited residents, convicts, thugs, XXXX defendants ... line goes on. I've made reports of all including been threatened, harassment, vandalism, damage to home and me. This was revenge, invasions, privacy in my home and I can include much more. Then they stated I was XXXX XXXX  after their continuous lies were falling back. This lie have spread for last six years after I was able to identify actions of illegal activity. 

I want that fraudulent statement REMOVED from my report.
Consumer complaint received 2020-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (LA)

Nothing has been done. My loans show I owe more money. I have paid all my loans up, through payroll garnishments, taxes being withheld, and even been in the rehabilitation program. I have had several servicing companies to handle my loans and they are not reporting accurate information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND NOW NELNET. THIS HAS TO BE SOME ACTION AGAINST THIS TYPE OF COLLECTION BEHAVIOR. I NEED SERIOUS HELP. THIS HAS GIVEN ME XXXX, ALL OF THESE COMPANIES HAVE COLLECTED AT SOME POINT. I HAVE ADDED UP ABOUT XXXX OR CLOSE TO IT. That is double even triple my loans borrowed. I have provide some information and I hope it dont confuse to the point I am, I also have copies of my check stubs. I am missing end of XXXX and XXXX but just wanted a reference. My contact number is XXXX email XXXX.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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