davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Today XX/XX/2019. I tried to cash out my money from Square Inc. worth {$210.00} they asked my for verification ID so I scan my driver license and face verification I did everything they asked and it says its says verified after a minute I tried to continue cashing my money because its verified and then says can not be completed when I look in the setting my account is closed.I cant even cash out to my bank or debit card.I didnt do anything that against there rules or term and Conditions.I want my money I work hard over it and they just closed my account and not allowed me to get my own money.Of what theyre doing after scanning your personal information and get your money its a scam.I hope you can help me to get my money back and take action of this apps.They only replied once with my 3 emails of them still did not solve my problem there only reply is we can not give you any another information why your account closed.Thats not totally fair and good after all what I did for giving them my All personal information.Its my money I have right for it.Please take action of this square inc apps online.I need my {$210.00} money ASAP.Thank you
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NC)

PNC is offering forbearance programs for mortgages, like most banks and lenders. However, the repayment options are not clearly outlined. I feel this is on purpose. PNC is luring customers in under the guise of " financial assistance '', and once they are in the program, they are told that a PNC rep will contact them to review options. These options range from paying the amount in full at the end of the term ( essentially 4 months of payments at once ) ... refinancing your mortgage to a higher amount ( even though customers are seeking help because they already cant afford the payments since the economy is shut down ) ... possibly moving the payments to the END of the mortgage ( which seems to be the industry standard ) although PNC refers to them as " delinquencies '' which makes me think it will adversely affect my credit ... or the last option, which is the most absurd " options that allow you to leave your home while avoiding foreclosure '' ( basically a short sale ). These options will not be discussed with customers until they are behind by 3 months of mortgage payments. This program is unclear and arbitrary. There will be thousands of families displaced by this. I was able to call and cancel my forbearance before it started ... although I know many who didn't. NO ONE at PNC that I have spoken with knows what is going on ... even though the first group of forbearance customers are at the end of their term now. PNC doesn't want any potential plan members to know the outcome of the group signed up in XXXX ... I'm sure it is bad for business. PNC should be ashamed of themselves. NOT offering forbearance would be better than the entrapment they are doing now. This will not end well for anyone other than PNC. Please stop them from signing people up. One rep told me that the customers she signed up were " willing to take their chances '' .... I sincerely hope it works in their favor and PNC doesn't end up with blood on their hands. The idea that you will be notified AT THE END OF A LOAN how you will be expected to pay it back, is simply unconscionable.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

I have a bestbuy citi visa that I applied because of zero interest promotion. I made a payment on XXXX XXXX2020 using my banking information and the banking information was stored. I made another payment XX/XX/2020 and got a return of service, because they said that the bank information was not correct even though it is the same banking information stored and used on XX/XX/XXXX. I was charged a late fee and feel like this was done intentionally, because my XX/XX/XXXX payment would not have gone through if the information was incorrect.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NV)

I called Jefferson Capital regarding a collection on my credit report. The only option was for me to call another collection agency. I called the other number and spoke to a lady. I asked her about the debt. I wanted proof and verification that this is in fact my debt. She asked me to verify my info and email. She told me that she would send me the info via email. Then she ask me if I could make an arrangement to pay for the debt. The debt is {$9900.00}. She was willing to settle it for $ XXXX and in 30 days remove it from my credit BUT she would need to contact Jefferson Capital to verify if they would allow the settlement. I said ok. She said she would call me back. I NEVER heard from her again. This was on XX/XX/XXXX. I called back the next day and it went to a man 's voicemail. So I called with my sons phone and spoke to another lady. She stated I should definitely hear back from the company on Monday XX/XX/XXXX. I have yet to receive any email nor any call. This is affecting my credit score and it really is unfair that a company is reporting on my report yet allowing a different company to collect the debt. As a consumer I feel afraid I will get scammed out of my money in this instance because I can't be certain that they will keep their word. Especially from this experience so far.
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (MD)

XXXX, XXXX / XXXX, and Equifax are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?
Consumer complaint received 2020-05-14
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)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$340.00}
Consumer complaint received 2020-05-14
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: LJ Ross Associates (MI)

I moved out of my apartment in XXXX of 2014. I closed my XXXX XXXX account and paid my last bill. 
About 8 months later, I was told that I owed another {$490.00} which was obviously incorrect. This must have been the amount owed by the current occupant of the apartment. I on multiple times, tried to have XXXX XXXX remove the amount, but they sent it to collection with LJ Ross Associates. 
I have contacted LJ Ross over 12 times to remove the incorrect information from my credit rept, and they have refused each time. 
Please remove this collection from my credit report, I pray. Thank you!
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, Governor  XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a XXXX  XXXX , closed the building until stay home orders are lifted. All my wages depends solely on XXXX. Once I lost wages and was unable to receive unemployment, I was unable to pay my XXXX XXXX XXXX credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called XXXX 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that XXXX has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on XXXX XXXX now and XXXX just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. Thank you.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

Hi, I appreciate XXXX and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was Penny Mac I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX  is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to XXXX already. But XXXX  has failed to get the correct response on my report. I want a zero balance showing on my report under Penny Mac. Thank you!
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (FL)

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to Experian on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, Experian results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (CA)

I had a credit card with Continental Finance Company but had not used this credit card in over a year and no longer have the card because it was at a XXXX balance. However, they keep adding fees, late fees, interest and penalties to the account. I get periodic emails from them saying a payment is due and to login in to their website to see my statement, but couldn't log into their website because I do not have the account number to register for an online account. I could not see my account, and could not see any statements. I called to them over 5 times to request a replacement card and that my statements be mailed so I can somehow look at my account. I never received either. The last time I spoke to them they said my balance was over {$500.00}, and none of the charges were due to any spending. They were just fees, penalties, and interest piling on top of each other. At that point I told them to close my account and to stop charging me. 

I told them to close my account and requested a statement showing all of the charges they are charging me for. Now I'm also getting notices from the credit bureaus saying my payments are late, even though the account is closed. The representative I last spoke to over the phone also could not tell me why my balance was so high when I had not made any charges on the card and had a XXXX  balance.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

I have not paid my mortgage for the past 2 months. I applied for refinancing and I got approved but I will have to pay the full amount at the end of the 3 months that I have not paid in lump sum at the end of the period. I'm currently not working because of the Corona virus pandemic as well as being evolved in a XXXX XXXX. I'm currently trying to apply for XXXX benefits due to not being to work. 
I wanted to see if I could defer my payments or add them to the end of my mortgage until I get approval from the state for XXXX. I currently am on XXXX and receiving XXXX XXXX  to get any help I can for now, I have 2 dependents that I have to care for a XXXX and XXXX year old. My lender is Amerihome, I need help I still want to keep my home and pay my mortgage Just seeing if there's any way that I can defer my payments until I can get better financial help in my hardship situation.
Consumer complaint received 2020-05-14
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)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Lender Inc (PA)

On XX/XX/2020 I contacted XXXX XXXX XXXX and explained to them that I lost my job on XX/XX/2020 due to Covid-19 and wanted to see how could they help me with this issue because I been trying to fix my credit for 2 years and thats the reason I joined them. I missed the payment for 1 day but it wasnt because I didnt want to make the payment I lost my job and I was afraid with the little money and I had and had to wait almost 4 weeks to receive my first unemployment check. So the representative I spoke too said they were not going to report me and that they were going to help me.I told them as soon as I get my first unemployment check I would make the full payment immediately and did the payment on XX/XX/2020. I kept my word But they still reported me late to the credit bureaus when they said they werent going to do that. Im really disappointed because all the companies I have credit cards have worked with me but this company that offers you to help you with your credit builder account, I thought they would understand my situation but I guess they dont. I called them on XX/XX/2020 and explained the situation that they said they werent going to report me but said they couldnt do anything about and had to report it to the credit bureaus. Im very disappointed about this. I also reported this to XX/XX/XXXXbecause this is wrong on so many levels
Consumer complaint received 2020-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank - Breach of contract We are including part of the evidence in this document as Chase bank continues to refer prior withdrawals to try and cover-up. 

On XX/XX/XXXX at the Chase branch on, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX At approximately XXXX XXXX  as the video will show, we walked in and requested a withdrawal - which was denied by the branch, and I was told by both the Teller and Head teller they were not able to provide me my money. This is most likely due to the complaints I have had with Chase bank and their practices. prior. This caused a tremendous pain and suffering as I was not able to withdraw much-needed cash. 
We have given Chase Bank ample time to atone for the breach of contract, even after admitting over the phone they continue to state a different date of withdrawal.
Consumer complaint received 2021-01-27
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-05-14
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. (TX)

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS
Consumer complaint received 2020-05-14
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. (MS)

I contacted Equifax and let them know the account for XXXX XXXX. This is a FRAUD account and does not belong to me. I have never received anything from this company. Please delete and block this account from my credit and delete the following inquires XXXX/XXXXh, XXXX, XXXX XXXX.
Consumer complaint received 2020-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (IL)

Received notices from Simm Associates, XXXX XXXX XXXX, XXXX, DE XXXX, dated XX/XX/2020 addressed to both myself and my wife regarding debts owed to XXXX University XXXX. We were not aware of these debts and never received any bills related to them from XXXX. The dates of service noted on the two letters were the same and the amounts alledgedly in dispute were the same. I spoke to XXXX on XX/XX/2020 and they indicated that they do not do business with Simm Associates, that we had no services on the dates listed, and that we did not owe XXXX the amounts involved. I left a message for Simm Associates on XX/XX/2020 and did not receive a reply. 

I called Simm Associates again on XX/XX/2020. Their representative stated that they would transfer me to the " person in charge of my account '' ( but they had not yet asked me for any identifying information ) but they stated that " they were not available ''. The person then said they would try to help me, I just needed to give them my name, address, and date of birth. I noted that I had their account number on their letter and wouldn't that work, and they responded that without my information they couldn't find my account. I stated that I would not give them my date of birth. The representative said that without my date of birth they could not help me and hung up. I believe this is a fraudulent action.
Consumer complaint received 2020-05-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is regarding credit card transaction dispute which is denied 2 times from credit card provider. The claim was submitted for moving service company who overcharged me for transferring my household stuff from XXXX, Ohio to XXXX XXXX, New Jersey. 

Transaction date : XX/XX/2020 Credit card company : Bank Of America Amount disputed : {$730.00} I have provided all the details to them including receipt and contract but again and again they are asking for the original receipt. I have provided enough proof to indicate that movers company is overcharging me for the service which they have provided but the bank was unable to resolve my claim.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I have never had an account with these companies. These are fraudulent accounts. I have never received any information on these two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX open XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-05-14
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. (AL)

I already reached out to Equifax and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.