davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (DE)

I was contacted multiple times by a blocked number finally answered was asked for social asked for address i said i wouldn't randomly provide info unless given notice of who/what company i was speaking with and in reference to what matter was transferred before being transferred asked me to verify my number and would i give permission to be called back if call dropped or at any future time or date i declined after being transferred i gave info social matches address didnt was out of state told it was a XXXX bill asked would item be deleted if i provided full payment over phone was told no i then stated id rather let item stay on credit being as though without deletion it would negatively affect my credit anyway thats when they became rude and stated well they would continue to flag my account to try and keep it from being removed from my account which they have done on the dates as followed XXXX XXXX XXXX XXXX they have also tried to contact me after me telling them not to call my number also have tried to contact me through my employer which is embarrassing and borderline harassment i want this to stop immediately!. Waypoint collection is the name of the collections
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

XXXX XXXX called Amerisave to inquire about refinancing our house. {$500.00} was paid for an application fee after being told the cost to refinance would be roughly {$6000.00}. When it came time to close, the loan processor sent us a closing disclosure and the loan amount increased and that the payoff amounts weren't correct and that there were a massive amount of additional fees. Upon calling the loan processor XXXX XXXX XXXX XXXX told me that she didn't get the latest payoff amounts so they were hoping we would overpay by roughly {$4000.00} and they would send us a check for the overpayment after approximately two weeks. She also wouldn't explain why the total cost of refinancing went from roughly {$6000.00} to {$16000.00}. She told me she corrected the payoff amounts and sent a closing agent from the title company to our house and we saw that the payoff amounts on the printed paperwork were still incorrect. They also ran my husband 's credit check without speaking with him or getting his permission. We didn't close with Amerisave but we strongly believe that Amerisave attempted to make us victims of a bait-and-switch scheme.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NJ)

On XX/XX/20 I received an email at XXXX EST from cash app stating my email and phone number have been unlinked from my account without my consent. I now am unable to access my {$5900.00} balance in my cash app business account. Cashtag is $ XXXX
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Hello, I have an account with Citibank institution. On XX/XX/2017 I issued a check to XXXX XXXX XXXX for the amount of {$1600.00} for my health insurance. A week or two later once at my Doctor 's office, it was brought to my attention that I had no heath coverage and than my insurance was cancelled. It turns out that my check never made it to its destination rather someone endorsed my check to themselves at a XXXX XXXX XXXXXXXX location. Unfortunately, I have still not recovered the funds from Citibank even though it has been past 90 days which is the estimated time to investigate. I have been given the run around and I need to get my money back. I would greatly appreciate your assistance in this matter.
Consumer complaint received 2018-04-12
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: CITIBANK, N.A. (CA)

I filed a complaint through CFPB about a questionable charge and late charge on my credit card from XX/XX/XXXX which prompted a response back from Citigroup on XX/XX/XXXX. The person contacted advised me they could not make a goodwill adjustment with no explanation as to why. 

For more detail, on XX/XX/XXXX, I faxed over a request to Citigroup for a goodwill adjustment to my credit score for late charges related to a past due charge from XX/XX/XXXX. The amount was for {$100.00} which I didn't make to some foreign company. 

Ultimately, I was not aware of this charge until an email notification came in on XX/XX/XXXX. I had no idea this charge was pending otherwise I would have handled immediately as I have with all other purchases. Once the email came in, payment was processed the same day and I have not had any other late payment notifications on this account which I have had since XX/XX/XXXX. I have also continued making all payments on time since XX/XX/XXXX. 

I have recently looked into taking on a mortgage to own a house and noticed that this late charge is the sole driver having a negative impact on my credit report/score. As I mentioned in my complaint, given I have been a member of Citigroup since XX/XX/XXXX ( 7 years ) and my payment history before and after this late charge has been timely, I am reaching out to request a possible goodwill adjustment to remove this late payment notification for the credit bureaus and repair my current credit score. 

To date and with exception of the call in XX/XX/XXXX, my experience with Citigroup has been very positive and Im very appreciative of the support and services so far. I'm hoping this can be resolved and I can continue my regular and timely use of services from Citigroup.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (GA)

The agents at IQ Data reached out to me at my place of work on Wednesday, XX/XX/2020 for a contested debt amount of XXXX, and when I told them I can not take calls from work and I need to speak to them after I get off of work, the agent repeatedly badgered me about why I wasn't able to just transfer funds. When I explained that I was the only one at work and I can not have my phone out at work, the agent stated he found it hard to believe I was the only one at my place of employment and that he doesn't understand why I won't just take care of the debt right then and there. He repeatedly raised his voice and talked over me, even though I asked multiple times to talk later since I was at work. I told him it was inappropriate to take up phone time at my job, especially when I am not to be conducting personal business at work, and that I had patients in the lobby to attend to, as I work at a chiropractor 's office. I am the only front desk and the doctor is the only other employee at this location. I eventually had to hang up as the agent refused to listen to my requests to not be called at work and continued to raise his voice and argue with me. He also asked why I had to wait until I got home to transfer the money since they close so close to the time I would get home.
Consumer complaint received 2020-10-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Court Case XXXX Last Date to file Lawsuit-XXXX. 



We are going to file a lawsuit in the next 24 hours at United States District Court XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed. 


Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. 


Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. 



Thank you, ACE CASH EXPRESS. 

Which is bogus I never borrowed any money. With my credit no one will give me a loan. And theyre saying I owe them XXXX crazy.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX  to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-Northern District of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit report.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

I had the medical name XXXX XXXX claiming, i owe them lab bill which was from last year XX/XX/2019 meanwhile they have my XXXX info through the doctor office call the XXXX  office said i was cover time of the test period.I ask maidcaid office to give me a proof of coverage they want XXXX XXXX to bill them so they can pay. I am including XXXX card for billing XXXX XXXX refuse to do that. I tried many attempts but they being hard on me instead helping me i need these collections to be remove from my credit file which are result of incorrect billing error adding " CCS '' File Numbers File number XXXX in amount of {$400.00} File Number XXXX in amount of {$570.00} '
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

On XX/XX/2020 I disputed a collection through XXXX  for IC Systems which is a collection agency for XXXX XXXX which was resolved on XX/XX/2020. I reported the issue as an unauthorized account opened in my name which was removed off my credit XX/XX/2020. Today which is XX/XX/2020 I received a phone call from I C Systems about a balance of {$110.00} which I informed them that the account wasnt mines that the address reported was actually my sister address who had the bill placed in my name. I was told to fill out a form which I attached to this statement and if I couldnt get a police report to report it to FTC.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (CO)

Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by Amerihome. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that Amerihome has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, Amerihome ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (KS)

To Whom it May Concern : RPM EscalationsDepartmentIn reference to XXXX Account numberXXXX. Fortunately, after many hoursof investigation on my part, I have solved the quagmire. The actual account number Should XXXX, this is the account that belongs to me and the one I was led to believe I was settling when speaking with XXXX XXXX , with R.P.M. However, after speakingto a Miss. XXXX XXXX @ The Law Offices of XXXX XXXX, and identifyingthe WRONG account number, I contacted XXXX. It appears that the company that you represent applied my payment to a Company that has no affiliation to me.When I was transferred to RPM, I spoke to a gentleman by the name of XXXX XXXX, who verified My full name, Last four of my social, and the amount of {$730.00} then assured me that this payment was being applied to the balance of {$730.00} then he proceeded to take my payment.As you are aware, this has been causing me many days of hardship and pain. I have been running in circles talking to your company and three others trying to resolve this. I am looking to buy a home in the extremely near future, and as you can imagine, this is not helping. Hence, the anxiety, and undue apprehension this is causing as well as undue harm and anguish, I am exhausted. Because not only was I in fear that I was scammed for {$430.00}, but after talking to so many different people and being told so many different things.Then today XX/XX/2020 I was Informed by XXXX that the amount thatThe payment was applied to theWRONGaccount, and for me to fixthis I need to contact my financial organization to dispute the payment. I did not want to do that, so I did more investigating. While on the line with Miss. XXXX, we compared account numbers. the account number you applied my payment to is:XXXXon a compare and contrast with XXXX @ XXXX XXXX, MO call center , it came to our knowledge that the payment should have actually gone to account numberXXXX, the problem is, THE PAYMENT WAS APPLIED TO THE WRONG ACCOUNT. She then told me to call R.P.M. and request a refund, then once the refund is received, I am to call XXXX directly and make the payment.At this point I have so many questions, but I do not have the energy, nor do I care. I just want this fixed. 
In closing, this is what I need, please have your organization, either apply this payment to the correct account XXXX which XXXX XXXX falselyclaimed he represented, orhonor the settlement amount and apply it to the correct account and get it resolved. If none of those options are available, please refund the {$430.00}, so I can pay XXXX directly and resolve this matter. If you have a way of transferring this payment to XXXX, that will workas well.Please get back to me at your earliest.Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On two occasions ( XX/XX/2020 and XX/XX/2020 ) my daughter sent me {$150.00} and then {$2000.00} thru Cash app. Neither were deposited in my account. Contacted cash app thru XXXX. They responded by saying " On Tue, XX/XX/2020 at XXXX XXXX Cash App Support XXXX wrote : Good morning XXXX, XXXX here with Cash App, I do apologize for the delay. I'll be taking over your case for XXXX and want to help explain the best steps to take from here. 

At this time, our payment operations team was unable to reverse the deposit. As a next step, weve attached a document confirming your {$2000.00} payment was successfully deposited to the bank account ending in XXXX. 

Please provide this to the ACH department at the bank to locate the funds. All financial institutions, including this bank, use the ACH network to move payments to and from bank accounts. The trace information provided includes a Recipient ID and Trace Number that the ACH department must use to locate these funds. 

If the bank states that the deposit was reversed back to Cash App, please ask them to provide the transaction details on a bank letterhead. 

If any additional needs come up, please let me know. I'm always here to help how I can. 

Warmest Regards, XXXX Cash App Support. 

I went to bank and got confirmation my funds were deposited so asked Cash app for the official dispute policy and have not heard back. ( My e-mail to them : XX/XX/2020, XXXX XXXX ( 3 days ago ) to Cash, me I did supply this to my back and they did not receive. 

I am attaching a copy of my statement showing no deposit was made for this {$2000.00} and the other {$150.00} in question. The account number is right so it looks like something happened from your end when you sent. 

We are going in circles here, please send me the official easy to complete a dispute thru Cash app. '' I have attached the details from Cash app with the ACH details. etc., and a copy of my bank statement. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2020-11-24
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. (FL)

I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

Dear sir/Madame, i am contacting you regarding an electronic financial transaction in the amount of {$300.00} that i made on XX/XX/2020 at XXXX using an internet company called CASH APP. 
The purpose for me to use this app was for me to pay my accountant for preparing my taxes. 
The recipient that the funds were to be paid to, is unable to receive the funds through his cell phone using this company 's app. 
As a result of not being able to complete the transaction, i immediately tried to contact the company cash app 's phone number XXXX and was unable to speak to anybody from this company to assist me.There is no email address for the customer service. I am unable to get my money back from this company, The party that i sent the funds to,, the name and phone number were accurate. The recipient can see the funds, but can not recieve the funds.I need your assistance to get my refund as i am receiving no cooperation from this company to issue me a refund. 
My name and contact information is below. 
XXXX XXXX, cell phone XXXX.Email is XXXX XXXX XXXX   XXXX Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

I used the company cash app to pay for a pay of shoes from an online retailer the retailer stopped responding to me & blocked me and so I requested a Payment cancellation/refund via cash app this has been going on since XXXX, it was obviously a scam but cash app collects certain information such as email / bank card info and phone number in order to use the service I have made them aware of the fraudulent transaction and provided evidence they will do nothing they are allowing scammers to use their service with no consequence or accountability and therefore are complicit in the fraud
Consumer complaint received 2020-10-29
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: State Finance Company (TX)

Hello. Last year I had gotten a loan from XXXX XXXX.Here in XXXX XXXX tx located at. XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. In XXXX of XXXX. And I paid ot off. I waited a month and checked my credit report. And it was still being reported as open. I called XXXX XXXX spoke with manager and he said he would take care of it .. as of XX/XX/XXXX it was fraudulently sold or sent to a third party collections agency to collect money I had already paid. And now that has damaged my credit score. I have been trying to build up my score for a while and every point taken away counts. Because of this I'm requesting compensation for damages to my credit score and have advised them I was gon na contact an attorney for further info on what I can do about this. And contacted you guys as well.