davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
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: DISCOVER BANK (MD)

I used a discover card for a purchase on XXXX XXXX  for a vacation rental. The rental property didn't exist and so I was charged money by a fraudulent person through XXXX  using a Discover Card. I notified the police immediately in the town and had them run an investigation in which they pursued people of interest and sent the report to Discover Card. Discover Card after an internal investigation ruled against me and ordered me to pay the penalties and interest. I will pursue this further but would like to initiate a formal complaint that their dispute process which agreed that I can be billed for a service that I clearly never received.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (AL)

I have a fixed interest rate term student loan. It was originally a federal student loan, which was refinanced with SOFI. I paid more than double my required monthly payment amount, thinking this would result in a " paid ahead '' status where my next payment due date would be advanced into the future. However, after logging into my account and calling customer service, I learned that SOFI does not ever advance payment due dates. They still want a full loan payment next month. I do not think this misleading practice was adequately disclosed, and it is used to lure people into refinancing their federal loans. Prior to refinancing, my federal loans offered this feature, and my loan was always paid ahead by several months, if not years.

SOFI reserves the right to " reamortize '' a loan which is paid ahead, so that the payment term stays the same, albeit with reduced monthly payment amounts, but refuses to give borrowers the benefit of a " paid ahead '' status. They justify this by claiming the reamortization is to avoid a balloon payment at the end of the note. However, if the loan is paid ahead, there is no way there could possibly be a balloon at the end of the term. It is mathematically impossible. This claim is made on their website at : https : //www.sofi.com/faq/ under " Will making a large payment or additional payments change my monthly due amount? '' Paid ahead status is useful for building a " cushion '' so that you can skip a monthly loan payment, and use your income for an unexpected expense. Without it, many borrowers will run into unexpected cash flow issues, which could easily be avoided.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I called Experian to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked Experian to remove due to no knowledge of them ... 
XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX   inquiry date XX/XX/XXXX phone number XXXX
Consumer complaint received 2019-03-12
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. (IL)

Experian is inaccurately reporting information on my credit report. I filed a Dispute with XXXX XXXX XXXX  and they sent me a letter acknowledging that they dont have any account information but Experian has failed to delete the account and they updated it to a charge off- which is heavily affecting my credit
Consumer complaint received 2019-03-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

For years, Navient ( previously Sallie Mae ) encouraged me to enter forbearance instead of offering alternate payment methods, such as IBR. They have also rejected my application for the public service loan forgiveness program for unclear reasons, despite the fact that I should qualify by virtue of having the correct loan type and working for a nonprofit.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (AZ)

This issue resulted from having XXXX internet service installed in my apartment. The service did not work as advertised and I was charged by XXXX to have a service tech visit my home to correct it. My entire apartment community was brand new and came pre-wired specifically with the XXXX service only. However, the connections in my unit were not installed correctly and had to be adjusted by the service tech. After receiving a bill for the the service tech visit, I made several attempts to explain and resolve this issue with XXXX and the collection agency they assigned to debt too, with no resolution.
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc. (GA)

XXXX XXXX claims to use XXXX XXXXXXXX as their debt collectors, but I have been repetitively harassed by 'XXXX XXXX ' at First Financial for months. She has now threatened to lower my credit score if I don't pay money I do not owe. I have the paper trail from  XXXX to prove it. My gap insurance was not handled correctly by XXXX XXXX. XXXX has provided updated EOB 's showing I only owe {$60.00} copay XX/XX/XXXX ( it is XX/XX/XXXX now ). The billing department at XXXX seems unaware of First Financial. I don't know how First Financial would know what XXXX originally said I owed without them interacting, but I know someone must be lying to me and I am being threatened financially due to this negligence. I am attaching the EOB from XXXX proving I just need to pay the copay.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (OK)

XXXX " XXXX? " from XXXX XXXXt ( XXXX XXXX ) services keeps calling my cell phone and leaving messages regarding a debt for my wife. I do not have a message identifying who I am on my voicemail, yet XXXX continues to identify himself as a debt collector and that he is trying to collect on my wife 's XXXX XXXX account. He has threatened legal action over voicemail, which couple with the blind identification of himself as a debt collector to a party who has not identified themselves, is a direct violation of the FDCPA. Although the debt in question is a valid one, it belongs to my wife and I have never been authorized to discuss or deal with this matter.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (CA)

i was contacted by a XXXX acquaintance. this debt collector found correspondence between him and i on XXXX and they called his personal phone number to ask for information about me. he contacted me with concern. when i called this number back i told them they could not call people i barely know through social media to contact me. i was yelled at, and told " you WILL listen to me '' which upset me so badly i screamed at the woman on the phone and hung up on her. it is one thing to call family members. but to call people who barely know me is unacceptable
Consumer complaint received 2019-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OK)

Due date every month is XXXX. Company has one time of the loan you can change the date. I changed the date on the XXXX in the morning to the XXXX and they sent the charge anyway. I did this on the website. 
1. The biggest problem with this is there was no confirmation email sent saying there was a change. Any change on an account should always have confirmation sent either by email or by mail if any change is made.

At the same time on the website, I took off my auto payment information. The payment information was still charged.

2. The biggest problem with this is there was no confirmation email sent saying any change was made on the account either by email or by mail. I have the account setup by email so I should have received something. 
I called on XX/XX/19 and spoke to a representative named XXXX who said it was still setup on autopayment and that taking it off of auto payment on the website does not cancel autopayment. She also stated that changing the due date does not cancel the payment and that a phone call is required to make both changes. In other words the website makes no changes.

The Consumer is not protected at all. The company is overprotected. There is no governing laws being applied to this company to protect the consumer in any way. 

When I called on the XXXX, I asked the rep if I could move the payment to a little further out since it had only been 3 days. She said no. I asked for email confirmations to be sent to me in regards to the changes I made on the XX/XX/19 date and the rep said no.

The rep stated that it is clear when you make the changes that it is a one time opportunity to make a change on the date. I asked the rep if there is anything she could do to assist me. She asked what I would like her to do for me.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

AMCOL reported {$670.00} not paid to credit bureaus. I contacted XXXX XXXX directly via online, and paid the {$670.00} in full on XX/XX/XXXX2019. I attempted to dispute the report, but was unsuccessful. I saw that XXXX reported the amount again on XX/XX/XXXX. I tried to dispute again on XX/XX/XXXX, unsuccessful. On XX/XX/2019, I contacted AMCOL ( XXXX ) to gain information as to why they continue to report the amount on my credit when I paid to the company directly. I asked her when the correspondence was sent to me regarding the amount due by the third party, she said the company had no record and would not be able to confirm. I ended up speaking with a manager,  XXXX, who stated that AMCOL sent correspondence in XXXX, which I never received. I told her that I did pay, but she said they would have to wait for XXXX XXXX to confirm payment. By the end of the conversation she said she would expedite trying to locate the payment confirmation. I contacted XXXX XXXX ( XXXX ), thereafter, spoke with a rep, XXXX, who stated that their records confirmed my payment of {$670.00} on XX/XX/XXXX2019 and pulling my information from collections on that same date. I called AMCOL back and ended up speaking with XXXX again who then said she received payment confirmation fifteen minutes ago. I expressed my disbelief that the company just received confirmation from XXXX  XXXX on today. I also let her know that XXXX XXXX confirmed pulling my information from collections the same day the balance was paid. Because I have disputed this item multiple times, I can not dispute again and it's showing up negatively on my credit report for XXXX even though the bill was paid at the end of XXXX and pulled from collections at that same time. AMCOL did not follow up with my account properly and continued to make false reports on to the credit bureaus.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, my Regions Bank card wasn't working. Nor was my wifes. ( same account ) I called the branch and was told I need to come by. Turns out that on XX/XX/XXXX, 3 fraudulent checks were written on my account that I've owned for 30 years.The first check was to XXXX XXXX XXXX. Only {$74.00}. They then had printed checks made with MY account number and a name of a woman in XXXX. XXXX MN. XXXX XXXX name was on the check with my number and she then wrote 2 checks drawn from my account on same day ( XXXX ) Each check was for {$18000.00}. I never had a call to verify anything. In fact I wasn't informed until I called a week later. I never write checks like that! 

I've filed a complaint with Regions and NOTHING has happened. I'm out my money for 3 weeks now. No apologies, no money. I have opened up a new account so I could begin moving credit card and direct payments over. Regions never actually FUNDED the account. I've made numerous calls and waited in the office an hour while banker typed. Nothing is in there yet. I can't withdraw the remaining {$40000.00} in my account as withdrawals are frozen. 
How did XXXX XXXX get my account number and then put another persons name on that account? I think someone at Regions is involved and nobody is talking ... They won't even tell me where the checks were cashed. They said " we don't know ''. I also wonder why I wasn't called when someone in a state I've never been in presents 2 large checks. I've been called for a {$200.00} check I've written to a yard service with XXXX sounding names ... but 2 checks for {$36000.00} doesn't set off a bell?? 

I'm getting nowhere from a totally unresponsive Regions. XXXX Police Dept was notified day one. Since checks were evidently cashed in Minnesota, they say it's their jurisdiction and not MPD. I've sent affidavit to XXXX. XXXX MN. Heard nothing yet. 

I need help. I'm fortunate enough to survive with a couple months of salary missing but I know most Americans aren't so lucky. They'd be looking at BK or ruined credit at best.
Consumer complaint received 2019-03-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (IN)

On XX/XX/2019 I received a letter from Nelnet as response to a forbearance request that I made saying my loan was in forbearance. On XX/XX/2019 they withdrew {$120.00} from a bank account not associated with the loan I placed in forbearance. All of my other loans were on auto-pay for several years, but I never placed my new loan in auto-pay because I intended to pay for it with a different account. The money was not authorized to come out of the other account, but they took it anyway. When I called on XX/XX/2019, they told me that I could not get a refund for the money they withdrew without my permission or the permission of the account holder, and that my loan does not qualify for forbearance or repayment options. This account has already caused me problems because my grace period was taken away and I am in a situation where I'm being charged {$120.00} per month on this loan. I make {$350.00} every two weeks. I'm already starving myself to make ends meet. I can't afford this high of a bill, but I have no alternative except to pay because the department of education sent {$300.00} more than they were supposed to and if I pay that money back to get the grace period that I was guaranteed in my promissory note, then I won't be able to pay my mortgage.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc (AZ)

I received a letter stating I owed a past debt to PayPAl for {$130.00}.

# 1 ) We have never been contacted by Paypal of an open unpaid bill # 2 ) Our Paypal account is linked to a credit card so their can not be any open balance owed to PayPal.

# 3 ) We checked our Paypal account and it has a XXXX balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My Bank of America credit card has been charged with fraudulent charges from XXXX XXXX, see charges and dates below : XX/XX/XXXX XXXX XXXX  {$110.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX {$1700.00} There were two additional charges inXX/XX/XXXX and XX/XX/XXXX which were 'caught early ' ; they no longer show up in my statements so I can not quote the exact amount and date.

Each time, I reported the fraud to BoA, the charge was reversed and I was sent a new card. I also called XXXX twice to report this fraud. I have never had an account with XXXX. Both companies have promised to properly investigate the fraud but neither company have been able to stop the fraudulent charge from happening each month.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Can not access my Cash App ( XXXX XXXX ) account. My bank account that was connected to it was hacked ( XXXX ) and the hacker used Cash Apps name during the hacking. After seven to eight attempts to get cash app to assist me in getting into my account they have not given me any assistance. I have responded to their request for helpl and continue to do so till this day and continue to do so. The hacking occurred on XX/XX/XXXX or XXXX when i checked my account that morning. I had over {XXXX} in stocks, Bitcoins and cash in the account prior to this hacking. You can only communicate with them through email I have called lthelm and there is know way to talk to a live person. Each time I contact them through email they send the same reply from a different person response. My email is the same XXXX I have only used this email address since dealing with Cash App. they will not take the time to research that email to see if it is connected to my old account.
Consumer complaint received 2019-03-13
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)

I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!
Consumer complaint received 2019-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (GA)

In XX/XX/XXXX, I became aware that my identity was stolen. I immediately filed a police report with XXXX Police Department. Personal Finance was listed in the police report. I called Personal Finance explaining the fraudulent activity, sent over a copy of the police report, and identity theft affidavit. The account was removed off my credit report, and to my knowledge, the account had been closed and resolved. Since the Summer of XX/XX/XXXX, I have not received any phone calls, voicemails, or letters stating otherwise. 
On XX/XX/XXXX however, I received a notification saying that there has been a change to my credit report. Personal Finance sold the fraudulent account to XXXX XXXX XXXX, placing negative activity on my credit report. I called the Personal Finance home Branch in XXXX, IL to inquire. The representatives stated that they no longer had access to the account and directed me to contact their Customer Relations team ( XXXX ) XXXX XXXX. While going over the fraudulent account with the Relations agent, he expressed to me that there were notes in the account stating that the account was to be deleted based on a police report outlining fraudulent activity. I, then, called XXXX XXXX to address the miscommunication. Neither parties could answer my questions, therefore, giving me no hope for a solution. 
On XX/XX/XXXX, I called XXXX to dispute the account. To further support the dispute, XXXX  advised me to obtain the written notes from Personal Finance concerning the fraudulent account. I reached out to Personal Finances Customer Relations team again. The representative declined to give me any information about the account. She expressed that they could not provide a letter, however, she would pass the account on to the fraud specialist, XXXX XXXX, and he would contact me. I asked if he could do so today, she stated that he was not in the office. I asked for his approximate return date, she was unsure. I requested his direct line, she declined.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

IOn XX/XX/2021 a charge was made againt my XXXX XXXX  card ( CashApp mobilie app ) following which time I contacted support on the mobile app. There is never anyone available by voice on the phone nor by live chat ; only by XXXX  email ... days later which emails can not be verified. XXXX XXXX  refuses to address the unauthorized charge issue, refuses to investigate the issue, and even worse has very poor security mechanisms in place to properly secure my assets and prevent fraud. The security failures are so gross such as to suggest XXXX XXXX  is complicit in the fraud.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (FL)

Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. Starting on or about XX/XX/2021 up to and including XX/XX/2021 I have communicated to Cash App through the support function on website, had email communication with XXXXXXXX XXXX and XXXX, and with the social media team through the Message option on XXXX. In each case they provide instructions on how to access account and trouble shooting advice if I am unable to log in following the instructions provided. In each case I have followed the instructions given and submitted the requested account information. The Cash App Team seems unable or unwilling to look into the problem and provide a solution beyond instructing me how to sign into app and repeatedly asking for the same information over and over again. When a company has your funds, no matter how little, and access to a linked checking account their should be a sense of urgency to allowing customers to have access to their money. 
Attached is pop up I receive when trying to log in.