davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA (CA)

This is the worse company EVER. I have been trying to get a BOE and title to my car for almost a year. Over the last several months, I've talked to 17 employees at the finance department. They make promises they do not keep. They submitted my bill of sale to CA DMV in the wrong amount and the CA DMV says I didn't pay the correct amount of taxes. They finally sent me a copy of the bill of sale Which had the wrong sale date and the wrong amount. omg, THEY ARE XXXX!!!! Every time I call I have to tell the story over and over again. They always have different information from my previous calls. I spoke to a supervisor, XXXX, operator # XXXX on XX/XX/2021. He gave my his word of honor he'd call me the following Friday, XX/XX/XXXX. I never received a call. When I called today, the first person I talked to said the " call was disconnected '' That's XXXX, I never received a call. They lie to customers. They are not organized. Seriously, their " customer support '' ( Laugh at Customer service ) There is nothing service orientated about this MESSED up company. Here it is over a year since my car was paid off. I can not get my pink slip, a correct BOS or BOE. I filed a complaint with the XXXX, consumer reports and any other agency I can find to do so. I need help please. I attached the wrong information they ( Kia ) sent me and the correct information of our payoff amount through my credit union.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (LA)

I use the cashapp for my business and I was paid on their by some customers. And in the middle of the night Friday XX/XX/2021 and Saturday XX/XX/2021. I was charge four times by XXXX Ads ( I have no idea what this is ) of {$25.00} dollars. Totaling in {$100.00} and they continued to try and charge my card four more times, but their was no money left and I blocked the card. I have been trying to contact cashapp through email. This is the only way you can actually get in touch with someone. Which they have continually send me to someone else. One person told me I had to contact the merchant, but how Im suppose to contact the merchant if I dont know who they are or how to contact them. When I ask no one has answered are responded to any of my question. I have emails everyday since and no one has responded to my complaints. I think its ridiculous that you can not speak to someone on the phone if you are a bank.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (UT)

I had a unsecured loan with XXXX XXXX XXXX XXXX. It was charged off and sold to Jefferson capital systems llc. We worked out an agreed upon settlement to pay off the debt. I reached out to XXXX to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to Jefferson capital. Jefferson capital said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.
Consumer complaint received 2021-01-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Account Management (WI)

My wife received a call and voicemail regarding her potential qualification for a student loan forgiveness program through " Direct Account Management. '' We went through with it and have the understanding they are a scam. They have my checking account info and I am scheduled to make payments of {$200.00} today and on XXXX of each month for the next 5 months and $ XXXX/month for 240 months.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp. (NJ)

XXXX XXXX sent my credit card debt to a company called Absolute Resolutions Corp . I called the number XXXX today at XXXXXXXX XXXX Thursday XX/XX/XXXX. I requested to access my debt online to make payments. I also requested a statement sent to my house. they said no and that I can only pay it in full, over the phone. My debt is over {$8000.00} so I can not pay a debt that large over the phone in that manner!
Consumer complaint received 2021-11-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXXXXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2021 I sent XXXX a letter asking to validate debt, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, I received no response. 
On XX/XX/XXXX, XXXX I sent another letter I sent a follow up letter, regarding Fair Debt Collection Practices Act, 15 USC 1692g and also noticed the date on the account had been changed ( RE-AGED ). and I still have not received any response. But somehow the bureaus comments are updated that it meets FCRA requirements. 

On XX/XX/2021, regarding above mentioned items, and still have not received any response.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. My credit report has been shared and pulled without my authorization and I have not benefited from such inquiries. Wrong addresses, employment and information retaining loans are incorrect and false representation of me. I have reached out to XXXX  on several occasions, stated my laws and rights according to FCRA and my requests have yet to be fulfilled.
Consumer complaint received 2021-11-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico   say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau Transunion, XXXX  and XXXX. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.
Consumer complaint received 2021-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage has not sent me my paperwork for my modification since XX/XX/XXXX was when I first applied for it. It is now XX/XX/XXXX and its still not here. I need the paperwork NOW. Also Freedom Mortgage practices deception when I refinance my loan they put in it I could not get rid of my FHA PMI for the life of my loan. I thought Freedom Mortgage had change they didn't they just got worse.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I never gave consent to Experian to furnish the following information. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. This company is now notified of this violation and must take steps to correct it. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX Experian is in violation for furnishing information while violating the FCRA. They have failed to provide any form consent from my part because I never gave consent.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

It has come to my attention that I never gave consent to Experian or XXXX permission to furnish the following information : XXXX XXXX XXXX Account # : XXXX. This information was put on my credit report illegally. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. These companies were notified of this violation and must take steps to correct it. XXXX already deleted this unlawful account. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (PA)

I was unaware that my loan was sold to a new servicer. Therefore I made my XX/XX/21 mortgage payment to guaranteed rate on XX/XX/21. They were supposed to transfer this payment to my new servicer, but this never happened. Ive called multiple times and no one has been able to tell me if or when my payment will be sent to my new services, or if I would get a refund. I was therefore forced to make another payment to my new services so I wouldnt be sent to collections. I have yet to make me XXXX payment because I need guaranteed rate to refund me or transfer the money to my new servicer. If they do not do this, I will be sent to collections as I am unable to make another double mortgage payment.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (MI)

I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I made a purchase with XXXX XXXX XXXX XXXX XXXX NY for XXXX on XX/XX/2021 for stained glass supplies XXXX claimed to have delivered this parcel to my address The parcel never came I put a dispute with chase bank they reversed the funds back to my account. One week later XXXX delivered the parcel to me the driver stated it was delivered to the wrong address I said things happen I called chase in new York customer service they agreed to reverse the complaint and rebill my credit card in which they did on XXXX I have an E-mail supporting that to this day chase has my funds and will not forward the money to the XXXX XXXX XXXX account this has been going on for nine weeks now the vender is entitled to his XXXX thankyou for your assistance in this matter XXXX XXXX XXXX @ XXXX XXXX
Consumer complaint received 2021-11-29
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. (IL)

I have made several attempts to resolve the issues with the credit reporting agencies. There are several accounts, as well as multiple entries listed in my personal information that do not even belong to me. I have submitted an FTC complaint and the credit reporting agencies were also sent a copy in previous letters. I have rights that protect me as a consumer and have notified these agencies of the violations they are committing. Their continued willful non-compliance is unacceptable. 
I am seeking the assistance of the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General to remove the fraudulent and inaccurate items that are being reported on my personal credit report. 
I am prepared to seek litigation if this final attempt to remove the items goes ignored. 
I will be uploading the documentation that was previously sent containing the items in question. 
Also note that I AM submitting this complaint on MY OWN behalf and no third party is involved.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 my mortgage increased from {$1400.00} to {$2200.00}. Bank of America indicated that the increase was because of a sudden shortage in my escrow account they discovered. I called on XX/XX/XXXX and spoke to a representative. The representative was difficult to deal with, but we finally realized that Bank of America had miscalculated my amount needed in escrow because they did not take my home owners exemption into account ( despite the fact that all of the tax records they claimed to have clearly had my home owners exemption marked ). I asked them to change my mortage back to the orignal amount and the send me a check for the extra money they took from me due to their miscaluclations in my mortage. They gave me an incident number and said they would call me back in 5 business days. I waited 2 weeks and did not hear from them, so I called them back. They gave me a new incident number and said they were still working on it and told me they would contact me in 3 business days. It has been two more weeks and they still have refused to update my new mortgage to the correct amount ( even after they admitted it was incorrect ) and still have not refunded the extra money they have taken from me. I am a XXXX XXXX XXXX in a XXXX XXXX area, and I have only owned this home for a year. This is my first home, and my budget is tight trying to make this work on a XXXX XXXXXXXX XXXX XXXX salary. I am afraid I will miss a payment or be unable to continue to afford my house and savings account payments. Please help me fight back against this big bank and their preditory practices.
Consumer complaint received 2021-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

In XXXX/XXXX/201, I applied for a loan with XXXX, a company that uses Experian Clarity Services. I was denied credit because Clarity Services was unable to verify my identity. I called Clarity Services, as indicated in the denial letter revived from XXXX, and could not get anyone on the phone to discuss or resolve the issue. The same thing happened when I called the parent company, Experian. Nobody was able to help me and they impact peoples lives.
Consumer complaint received 2021-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

The issue is the difference between the amount of referral money I received from the Cash App versus the amount of money specified on a tax form that Square, Inc. sent me. 

Square, Inc. owns Cash App. 

Last XXXX I started to receive an unusually large amount of referrals for the Cash App. I was able to withdrawal some of the money ( {$1000.00} ) but not all understandably Square appeared to terminate my Cash Account. The only way I could determine that my account was terminated was that I received an email stating my email was unlinked from the account, a text stating that my phone number had been unlinked from my account, and my " cashtag '' URL returned a 404 Not Found error. 

At the time I reached out to the Cash App support, but received no response. 

On XX/XX/XXXX2021, I received a 1099-NEC tax form from Square, Inc. stating that Square had paid me {$19000.00}. ( Line 1 of the 1099-NEC, labeled Nonemployee compensation, lists an amount of {$19000.00}. ) OnXX/XX/2021, I " XXXX '' at @ CashApp and @ CashSupport about the issue. This led to an email inquiring on the issue ; I responded but have heard nothing since.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (SC)

In XX/XX/ 2021, I filed an FTC report for identity theft and sent it to XXXX and XXXX but they refused to remove this item in the amount of {$310.00}. The account was last updated on XXXX/XXXX/2021, which is incorrect. I also questioned the company 's XXXX XXXX, but they did not answer. I'm not sure where this loan originated. My bills have always been paid on time.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WI)

Hello, I opened a credit card with American Express on XX/XX/2021 ( XXXX XXXX XXXX ). the card had a bouns offer of XXXX miles after spending XXXX $ in XXXX months. I meet all these requirements. I called American express today ( XX/XX/2021 to see why I did not receive the bonus offer. They told me that I was no longer eligible even though I meet the requirements for the bonus points. This is fraudulent activity by American express. You can not offer someone an offer then deiced to not to offer it.