davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing, Inc is attempting to collect a debt on behalf of XXXX XXXX XXXX. Select Portfolio Servicing, Inc., purports to be a mortgage servicer servicing a loan on behalf of an investor by the name of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, CHASE FLEX TRUST SERIES 2007-3. 
However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, CHASE FLEX TRUST SERIES 2007-3 ; has contended that they are not the owner of the loan, they are not the owner of the land nor are they in any way shape or form involved with any foreclosure proceedings. 
Naturally, Select Portfolio was asked to : Validate the Debt, Provide Accounting, Verification of Claim from their alleged client the XXXX XXXX XXXX XXXX XXXXXXXX, A copy of the contact that binds both parties with signatures by both and or all parties, A Copy of any and all invoices from XXXX  XXXX XXXX XXXX XXXX XXXXXXXX showing XXXX XXXX XXXX owes a debt to them, Any and all other proof a debt is owned to their alleged client XXXX XXXX XXXX XXXX XXXX XXXX 
The same questions have been asked for years and Select Portfolio has not been able to provide any of the documents enlisted above. It is clear, a debt is not owed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, Select Portfolio Servicing, Inc keeps accelerating a fake debt on their behalf, which triggers the advertisement of a Non-Judicial Foreclosure Sale. This is not legal or lawful nor can they legally or lawfully foreclose on behalf of XXXX XXXX XXXX XXXX XXXX XXXX when XXXX XXXX XXXX XXXX XXXX XXXXXXXX stated on several different occasions by several different forms of communication that they in fact are NOT THE OWNER OF THE LAND OR HOME. An error has been made on the account that Select Portfolio Servicing Inc illegally holds on behalf of XXXX XXXX XXXX. Select Portfolio Servicing Inc. are not interested in correcting the problem. If anything, they stand to financially gain from this error by imposing a debt that Select Portfolio Servicing, Inc nor XXXX XXXX XXXX XXXX XXXX XXXXXXXX had/have a vested interest in. Which means they would foreclose and profit from the proceeds even though they never made a vested interest in the collateral of the home or alleged mortgage note. Both Select Portfolio and XXXX XXXX XXXX XXXX have violated : 15 USC 1692d 806 ( 3 ) 2. ) 15 USC 1692d 806 ( 4 ) 3. ) 15 USC 1692d 807 ( 2 ) ( A ) ( B ) 4. ) 15 USC 1692d 807 ( 4 ) 5. ) 15 USC 1692d 807 ( 5 ) 6. ) 15 USC 1692d 807 ( 9 ) 7. ) 15 USC 1692d 807 ( 10 ) 8. ) 15 USC 1692d 807 ( 14 ) 9. ) 15 USC 1692d 808 ( 1 ) 10. ) 15 USC 1692d 808 ( 6 ) ( A ) 11. ) 15 USC 1692d 808 ( 6 ) ( C ) 12. ) 15 USC 1692d 809 ( b ) 13. ) 15 USC 1692d 808 ( e ) 14. ) 15 USC 1692d 812 ( a ) without prejudice
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

Square Inc. owns Cash App. 

Cash App stole from me. 

Cash App charged me twice for one order that I made with the XXXX XXXX that is linked to my Cash App account. 

On Sunday, XX/XX/XXXX, I had made a XXXX order with a total of {$28.00}, but I had a XXXX XXXX on my XXXX XXXX for {$5.00} off XXXX. So, Cash App notified me that the discount was applied, and the final total was {$23.00} however, it was actually not applied ... 

On Tuesday, XX/XX/XXXX, I get a text from Cash App at around XXXX CST about a XXXX  order that was {$28.00}. 

Unbeknownst to me, my Cash App account had gone into the negatives because of this sudden {$28.00} charge that I did NOT authorize. I thought my order was {$23.00}? 

Hours later on Tuesday evening, I notice my account is in the negatives, and I look at my transaction history. I see that Cash App charged me twice for XXXX for the same order. Sundays transaction was {$23.00} with {$5.00} XXXX XXXX Applied as a note ( but it was not applied ). Tuesdays transaction was {$28.00} which was the actual amount of my Sunday XXXX order. I checked my XXXX order history to see if they charged me twice but NOPE! Cash App did. 

However, I would then wait for a day to see if maybe it was a mistake on Cash Apps end, and my money might be back there tomorrow NOPE! 

Nothing refunded. 

So, late Wednesday evening on XX/XX/XXXX, I sent Cash App a support request for a refund. 

Around midnight on Thursday, XX/XX/XXXX, Cash App sent me an automated email response to my request informing me to send over numerous information that mostly pertained to the merchant as if its the merchants fault for this. It is NOT. 

An hour ago, today on Friday the XXXX, I told Cash App that I am not sending anything and they need to send me my refund. Cash App had a lawsuit filed against them for making a user send over all that stuff for a refund only to receive no resolution at all. ( The court ruled in the users favor as well ). 


XXXX ; Cash App owes me money for charging me twice on one XXXX order. They owe me {$23.00}.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union. Visa Credit Card They are charging so much in interest that I cant pay off the debt. I have called and they will not lower the interest. The interest for cash advance is so high and accrues daily. 5 yrs ago I needed a cash advance while going through a separation. Each time I make a payment it is absorbed by interest and never toward the balance until this day. I asked if I could pay the cash advance off and customer service replied no. So it keeps adding and I  cant reduce the debt unless I pay it off in full, which I cant do. Im paying monthly, but getting no where. I opened the card while going through a separation to help with expenses and did not understand the fine print. Now Im divorced, living in a small apartment, need to restore my credit, and Im trying, but cant make a dent in this card.
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2013 XXXX XXXX XXXX as assignee of Capital One Bank ( USA ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX XXXX Michigan ) .They misrepresented contact information to the State of Michigan XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in Michigan and ( 2 ) My last known address was ( XXXX, Ohio ). 

XXXX XXXX XXXX as Assignee of Capital One Bank ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the Capital One collection is a 20 year old collection account ) .The mere fact that the debt with Capital One Bank ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception  and by fraudulent means. All monies XXXX XXXX is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places XXXX XXXX and Capital One Bank violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NV)

On XX/XX/XXXX after getting my credit report I discovered that AARGON AGENCY INC had posted on my credit report two collections, but I was never notified of these debts by AARGON AGENCY INC. 
I immediately reach out to them by certified mail and requested debt validations for these two accounts, but AARGON AGENCY INC never replied to me and as of today they continue to report these accounts to the credit bureaus without any physical proof. 
On XX/XX/XXXX, again I wrote to AARGON AGENCY INC requesting debt validation. 
They had failed to validate these accounts as required by the FTC and purposely ignored my request for validations. That is very unethical how they do business, they just dont care. 
These accounts are not mine. I believe they were created by my ex-brother in-law, but to confirm I need it a full validation and, I need to know what credential were used. 
AARGON AGENCY INC received and signed for my request for a debt validation that I request by certified letter on XX/XX/XXXX. I mailed a second request on XX/XX/XXXX but they have never responded to any of my request and they only respond to the credit bureaus because they can easily report anything without producing any documentations other than maybe a bill statement. 
I believe, that if they had any proof they would had responded to me, but they dont have any proof. 
Its easy not to respond than to make fool out yourself. 
The credit bureaus look the other way for these collection agencies because theyre paid clients and the collection agency used these credit bureaus as a bullying tool. 
Collection Agency are mandate to proper validate collections and report accurate information. Theyre supposed to notify the alleged owner of the debt before placing them on the credit bureau. They dont do it because they use the credit bureaus as a collection tool. They dont care if there is a mistake, they just want to get pay at any cost. 
These collection agencies XXXXup innocent people every day costing the consumers millions of dollars in higher interest rate. They take advantage of the loop hole in the law, no one is really making sure they do the right thing. 
I was shocked when I saw the collections on my credit bureaus since I had never heard from AARGON AGENCY INC before they posted these collections with the credit bureaus. 
Must likely they wont respond to this complaint either and if they do, will be without facts other than maybe statements that had no value without been verified. 
The following two accounts were reported by AARGON AGENCY INC, but theyre not mine and they continue to report this inaccurate information to the bureaus : - XXXX XXXX XXXX # XXXX - NV XXXX # XXXX They wont listen to my request, but I wont stop until I get justice, I will continue to file complaint until someone listen and fine this agency for violating the consumers rights.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I opened a business checking account on XX/XX/XXXX and deposited {$4400.00} in business checks. The bank told me the funds would clear by XX/XX/XXXX and in that time the bank closed the account and will not release the funds. Ive made multiple attempts since then stopping into the branch is calling customer service and no one can tell me why my phones cant be released or when I will receive my money
Consumer complaint received 2019-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

I have ask XXXX XXXX on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (MA)

LendingClub account XXXX. LendingClub has violated pursuant to section 623 ( a ) ( 3 ) the FCRA requirements by not putting the required notice of dispute in comments after 30 days of the first dispute. This account has be re-aged. Re-aging account is a violation of the FCRA. I have disputed this inaccurate and illegal account multiple times over the past serval months and none of the credit reports had the required notice of dispute in the comments section. Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by LendingClub. LendingClub has multiple other FCRA violations on this account. LendingClub has re-aged this account violation of the FCRA requirements. LendingClub is reporting a 60 month term on a charge off account violation of the FCRA requirements. LendingClub is reporting a high balance on a charge off account violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation directly from the credit showing the multiple FCRA violations, re-aging of account, no notice of dispute as required, Violations FCRA terms month on a charge off account and Violations FCRA reporting high balance on a charged off account. I am also attached a copy of the section 623 ( a ) ( 3 ) of the FCRA requirements for your review.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account was reported as delinquent onXX/XX/XXXXeven though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.
Consumer complaint received 2021-10-19
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: TRUIST FINANCIAL CORPORATION (NC)

I received notification from Sun Trust Bank that I had four bank accounts that were overdrawn and subject to closure. I wrote to Sun Trust Bank on XX/XX/2021 and informed them that I had not opened any accounts at their bank. To aid the authorities in investigating the fraud perpetrated against the firm using my name, I requested the following information : 1 ) The amount and source of money used to open each account. 
2 ) The due diligence performed by your firm to identify the account holder to be the named individual.

3 ) All transactions and account statements for each of the accounts.

4 ) All communication sent to the account holder exclusive of the address above, this must include any digital or telephonic addresses.

Sun Trust has failed to date to respond. 
An identity theft report has been submitted to the Federal Trade Commission, report number available upon request. 
An identity theft report has been submitted to the XXXX, NC police department, report number available upon request. 
A report from the credit reporting company, XXXX XXXX, has been obtained and corrections to the fraudulently reported data has been requested.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Two years ago I purchased a new XXXX from XXXX, the company moved me to a new phone number and phone plan as a result of my financing the new phone through their company. As a result, they indicated that my old phone number and pre-paid plan could not be used and that they would close both the number and plan - I also turned in my old phone for recycling at this time. They did not however suspend/close this old plan and continued to charge me {$61.00} over the past two years. This is IN ADDITION to charging me for the cost of my current phone plan, which included the cost to the phone. Therefore, XXXX has been charging me for 2 phone plans a month, for two years, one of which they were responsible for terminating. They owe me over {$1500.00} for these charges. I called them and they said they will only reimbuse me for the past 6 months as they can see/prove that the plan/phone number was not used. I want to reimburse for the full two years. My bank, Capital One, said that too much has time has passed to pursue an investigation or open a case to dispute the charges. This is a lot of moneyXXXX XXXX has no way of looking in their system to see and verify that I indeed only use one of the two plans they have been charging me for over the past two years and to rightly/morally take action to reimburse for the plan I have clearly not used because they as a company made me switch plans and phone numbers and thereby assumed to responsibility of shutting down my only plan and moving to my new one?
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC (NC)

I previously filed a complaint with the XXXX XXXX XXXX and with the federal trade commission regarding a collection that was over 30+ years old. The collection company removed the amount from all three bureaus and close this matter. Today I received an email and a phone message from XXXX XXXX from the collection agency Regarding how to answer the appeal today. I received a phone call from a person named Judge XXXX from XXXX  Of Illinois to hear my appeal and disclosed this matter I explained that this collection attempt was closed and she kept asking me if I was going to cancel the appeal or if I still wanted to do a hearing she stated she did not have any information that this account was closed I told this person Judge XXXX not sure if she is even a judge if there was no case there was no information that this was a close matter I contacted after my phone call ended XXXX XXXX to tell him to stop calling and harassing me over this 30 year old overpayment collection that was closed with the company.
Consumer complaint received 2020-05-07
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: CREDIT ACCEPTANCE CORPORATION (AZ)

As I have begged in the past this address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Is not mine nor has it ever been An it's associated with. Credit acceptance account Please remove delete. Or what ever u got ta this XXXX
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an alert from XXXX about a credit inquiry and simultaneously received an email allegedly from Bank of America to verify my email addressthere was a link to click to verify but I did not click on it because I do not have an account with B of A. There was an XXXX number to call which I did. The recorded message ONLY wanted my account number. I took a screen shot of the email if you need it. 
This whole thing seemed fishy to me so I XXXX  the customer service number for B of A and called them. They verified that someone did in fact open an account with them TODAY with a credit limit of {$10000.00}. They closed the account and flagged it.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX XXXX accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at Penfed and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.