davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (WI)

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, Equifax, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

I had an outstanding balance with Citibank for {$680.00}. It was being reported to all three bureaus as {$680.00}. When I called Citibank to pay the debt, I was told the statue of limitations for collections had passed. I was further told that any payments that I made would be " courtesy '' payments. I then asked if the account should even be reported to the credit bureaus. I asked if the account was reported to the IRS as a charge off. I was told it was not. I confirmed that the payment amount that I owed was {$680.00}. I was told I could not pay over the phone or the web, but that I had to send the payment in. I sent in a payment for {$680.00}. I called back to secure a XXXX balance letter and I was told that I had a balance of {$0.00}. I sent in the payment for {$0.00}. The payment cleared my bank account, however, they still told me I owed the {$0.00}. I was later informed the {$0.00} was applied to someone else 's account. I was then told that I had to wait 10 days for the money to be applied to my account. I requested a zero balance letter, as the check had been cashed. I was denied. I was told I had to wait 10 days for the transfer of funds and I had to wait 15 days from the date the check was cashed prior to them providing me with a XXXX balance letter. Currently, they are incorrectly reporting a balance on my credit report. They have refused to quickly rectify the situation. They have denied me from talking to anyone besides the floor supervisor.
Consumer complaint received 2021-03-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Block, Inc. (AZ)

Received email marketing for a PPP loan through XXXX on XX/XX/2021. Hit link in email, took me to the PPP Loan page where it asked for my personal information. I submitted application and I was approved. I do not recall receiving a disclosure of terms or conditions to review and accept online. 

On XX/XX/2021, re-payment for the loan was already happening, XXXX was deducting payments from transactions made through my square business account. This prompted me to call XXXX when I saw loan payments reducing my transaction amounts. 

I was notified by the XXXX customer service that the loan was not a PPP loan, but a line of credit that would be paid via XXXX transactions. 

When I was told this was not a PPP loan, I asked to cancel the loan and return the money, because it was something I did not want nor what I thought I was getting. 

I was told it was too late to cancel the loan because 2 business days had past and I would be charged the {$370.00} dollar origination fee and could either make regular payments to repay the loan or pay the entire amount, but I would still be charged the {$370.00}. origination fee. 

I do not feel this is fair as a consumer and I also feel this false advertising and " Bait and switch '' marketing technique and practice violates the UDAAP " Unfair Deceptive or Abusive Acts and Practices '' protections that I am guaranteed as a consumer.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

I purchased an item on XX/XX/2020 via PayPal. As of XX/XX/2020 I have not received the item from the seller. I initiated an investigation with PayPal on another matter regarding the item. I advised PayPal that I was no longer interested in the item and contacted the seller to get a full refund. Furthermore, they advertised one price and charged me another. The seller apologized for the error and said they would make the adjustment, which never happened. I told the seller I just want a refund. PayPal does not have a way for consumers to speak to a live agent. They have a chat but the response time takes hours. I advised PayPal on XX/XX/XXXX I did not receive the items via their Resolution platform in the form of a message. The seller is suppose to have 10 days to respond. PayPal gave the seller additional time to respond and has not refunded my money back. According to a letter from the seller the item was shipped out on XX/XX/XXXX. They changed the category of my message and declined the claim. This is unethical.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I had an account with a company a called affirm when i opened up the account i had a the folowing phone number XXXX got two loans from them first one was XXXX and was pd on XX/XX/XXXX. i obtained another loan in XX/XX/XXXX and pd off that account on XX/XX/XXXX amt pd XXXX. I contacted affirm to try to obtain a new loan in XX/XX/XXXX but my phone number from had changed when i obtained the loan my phone number was XXXX now i had a new number I had notice there was another persons information on the account by the name of XXXX. I tried to update my information but the app was not user friendly i tired call affirm and update the information they asked me to update my email first then they would be able to assist me which i did XXXX. As soon as I did that with the company. I received a collection letter from XXXX dated XX/XX/XXXX for the amt of XXXX for a purchase they said i did XX/XX/XXXX and i received another letter from AFNI charges in the amount of XXXX they stated these charges XX/XX/XXXX. I told them I did not make these purchases they still sent me to collections and it is now being reported to my credit ..
Consumer complaint received 2020-06-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (HI)

I graduated with my XXXX  but plan to go back to school. Because if COVID-19 I could not enroll or get in contact with my institution for the paperwork that Sallie Mae needed for my forbearance. Now they constantly call me and my family, demanding for {$1000.00} payment a month.
Consumer complaint received 2021-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I use my cashapp for specific people but there are three transfers I just noted today to XXXX XXXX on the following dates : XX/XX/2020 for {$200.00}, XX/XX/2020 for {$20.00}, and XX/XX/2020 for {$320.00}. The transfers were done without my knowledge and did not consent. This is not the first time I have had fraud with my account and every time I use it I label what it is for these transfers are not labeled.
Consumer complaint received 2020-06-23
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: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from Pay Pal Credit/Synchrony Bank. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted PayPal/Synchrony and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from Synchrony Bank on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted Synchrony Bank and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Consumer complaint received 2020-06-23
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. (MI)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX  XXXX, XXXX  no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

Dear Sir/Madam, I am writing to complain about the AMEX XXXX Preferred Guest Credit Card. Seeing the pre-qualified offer that spending { {$3000.00} } within the first 3 months I can get XXXX Starpoints, I applied for this card XX/XX/2016 through the link online. I spent { {$3800.00} } in the first 3 months, which is much more than what the offer requires but I never get the XXXX Starpoints till now. ( Detailed statements for the first 3 months are attached. ) I reported my situation to AMEX several months ago and tried to call the customer service tens of times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. I think I am definitely qualified for this offer and at least XXXX AMEX customer service representatives already confirmed that I am eligible to receive the points but they just do n't give me the points and let me wait. Therefore, I am hoping that AMEX can give my Starpoints that I deserved ASAP. Thanks!
Consumer complaint received 2020-06-23
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mitchell Rubenstein & Associates, P.C. (MD)

A judgement was filed against me. I spoke with the attorney to settle. I wrote up our agreement and sent him a check marked XXXX satisfaction in full. After that one was cashed, I sent him the other XXXX amount, which he cashed. He is now saying I ow him interest and filing fees.
Consumer complaint received 2020-06-23
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. (FL)

I pay full the credit card, my balance was {$0.00} and I dont use credit card for several months, and a charge for {$68.00} from body guards I call and report this fraudulent charge to chase they say the charge are validated, And I did not authorize this charge, this is a membership and I never authorized this charge.
Consumer complaint received 2020-06-22
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

In order to verify this is my debt. I have sent a certified letters XXXX to Portfolio Recovery Associates, LLC Attn : Disputes XXXX  XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.
Consumer complaint received 2020-06-23
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. (NC)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX CO XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (SC)

I made a payment to Franklin Collections XXXX on XX/XX/2020 of a settled balance of {$430.00}. They marked it paid in full, but never closed the account and deleted it like it should have been. This is still hurting my credit tremendously, and I wish for it to be removed since I settled the debt with them.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (CA)

Square merchant services terminated our account on XX/XX/2021. We are one of the largest marketplaces for XXXX and hemp-derived products on the Internet. 

They did not give any reason or elaboration. The fact that 90 % + of the brands on our site also use Square, and none have been terminated is very concerning. This is a clear case of prejudice and targeting one company over others. We believe we have been targeted or it's a case of prejudice  from people inside Square. 

If we can not take payments, we will not be able to pay our operational costs. Square did not even give us time to find another solution. It's unreasonable and unwarranted behavior, especially in a time when millions of Americans are suffering because of the Pandemic. 

We are in full compliance with federal and state regulations. We have a refund rate of less than 1 % and a 0 % chargeback rate, so we are not a risky account. This action by Square is extremely suspect.
Consumer complaint received 2020-06-22
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. (IN)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}
Consumer complaint received 2019-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have a Student Loan with Navient. 

They are taking money automatically from the bank and getting payments per the loan contract under the recorded payment plan and they are fraudulently creating late fees. They are engaged in US mail fraud. 

I have written to then for entire records of all payments, copies of the check and bank transfers made by me, since the first payment in 2008, so that I can do forensic accounting. They refused to give the entire records. 

The amount of the principal loan is fraudulent by as much as {$48000.00} or more, as they misapplied and defrauded all payments, since the first payment in 2008.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NC)

My name is XXXX XXXX. I have a small clothing shop which I use my house as an office and I use square to process payment for my customers. 

Last year, customer made payment of over {$3000.00} and I was able to ship her products to her and she received it, but square has not released my funds to my bank account. 

I contacted square since last year to get this resolved but they have nut emailed me back. 

XXXX said they needed documents including my ID and my business name registration certificate. I sent them my ID and told them that my business is a shop and I haven't registered with certificate. 

During this pandemic, I manage my shop to get paid and feed myself. 

XXXX all stolen {$3000.00} of my funds. 

I want square to deposit my funds in my bank account or tell me when they will deposit it rather than ignoring me with my hard earned money.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I tried to fix this situation through XXXX and XXXX. The debt was from a prepaid credit card the cash I put up front for the card. Second the amounts do not match the bill is for XXXX but the debt they are trying to collect is XXXX.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I applied for a refinance back in XX/XX/2020 and I was approved and all set with the mortgage. 

However, I come to find out New Rez, XXXX XXXX, had cancelled the mortgage without notifying me. 

I paid for the appraisal XXXX. And my credit score dropped because of this process. 

I then spoke XXXX XXXX XXXX XXXX who told me I had to apply again XXXX I did but he has been unresponsive for over 3 weeks. 

I have tried to speak with managers, and others with no luck. 

Vincents information XXXX XXXX Mortgage Consultant NMLS # XXXX P XXXX F XXXX M XXXX XXXX XXXX XXXX information XXXX XXXX Processor P XXXX F XXXX XXXX XXXX NewRez LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I opened a CASHAPP acct for small transactions, and after a week thieves hacked my acct and fraudulently withdrew XXXXXXXX dollar withdrawals from my Cash App acct when there was only XXXX in there. Apparently there are no steps to prevent thieves from accessing my account that was linked to my cash app acct. My XXXX  XXXX XXXX checking acct was linked to cash app for deposits. I don't know how the fraudsters hacked without my present phone number, but there was an old number that was listed on my complaint to cash app which is no longer in use and is not live, so they could not get a text to verify it was me. I did not know the two parties who extracted funds from my acct, and I did not approve anything as I didn't know that they could hack past my XXXX dollar balance to get to my bank account that was linked? 

Cash app has NO HUMAN resources to file a dispute or complaint only, using the app itself, then you get an email, which can not resolve any real disputes. My bank gave me a temp credit and cash app said that the money was refunded?? Well ; whatever acct they refunded it to was NOT MINE. XXXX took the funds back on a credit reversal? I still have been a victim of XXXX dollars US and want my money, so I can close the cash app acct. Please help, P.S. I know of many others who have had the same issues as well as hearing this form the XXXX Rep.