davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (IL)

I received a email stating that they can do once a month payment of XXXX. I called XX/XX/year> to make a payment arrangement of XXXX dollars a week and was told they can not do that. They could only do XXXX and change a week. Which makes no sense because XXXX dollars a week is over the XXXX time amount they originally wanted. I also didnt receive anything in email about the payments I set up yesterday around XXXX. Tho I did receive another email at XXXX stating they have a acct with me and wanting to work with me. I just feel like there practices are deceptive.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I have XXXX accounts with Square. One I have had for years with no issue. The other I just opened recently. I sent a contract and an invoice to a customer for {$13000.00} on XX/XX/2023. The customer signed and paid and Square deactivated my account, is holding the money for 90 days and will also not allow me to refund my customer her money. I have called and emailed many times and no one can give me an explanation. I am transferred from one department to the next and often hung up on or told there is nothing they can do. I am also told someone will call me or email me to help resolve the issue and I never hear anything. I have read that this same scenario has happened to many other customers. I need to resolve this issue.
Consumer complaint received 2023-08-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Westlake Portfolio Management XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX Subject : Debt Validation Request Dear Sir/Madam, I am writing in regards to the alleged debt you claim I owe. I am formally requesting debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I have been contacted by your company, Westlake Portfolio Management, about a debt purportedly owed to you. However, I dispute the validity of this debt and request that you provide the following information for verification purposes : The original signed contract between myself and U.S. Auto Finance , Inc. and US Auto Sales Inc, if applicable. 
A complete account history, including all charges, interest, and fees that make up the alleged debt. 
Proof of your legal right to collect this debt, including documentation showing that you are authorized to collect debts in my state. 
Until you can provide the requested information and validate the alleged debt, I request that you cease all collection efforts, including phone calls and letters. 

Please note that I am aware of my rights under the FDCPA, and any violation of the act will be taken seriously. 

You have 30 days from the receipt of this letter to respond to my request. Failure to provide the requested information within this timeframe will be considered as your acknowledgment that the debt is invalid, and all collection activities must cease. 

Please respond in writing to the address provided above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Due to dissatisfaction with CAPITAL ONE 's ( the bank ) business practices, I closed a secured credit account in third week of XXXX. I was told that the business cycle had just ended and deposit would require an additional month to be refunded via PAPER CHECK. I was also told that my deposit had earned XXXX interest while it was in the possession of the bank. 

The credit statement ending XXXX XX/XX/2019 shows the refund was issued on XXXX XXXX. The holiday season came and went ; still no refund received via mail. 

On today ( XXXX ) I called to inquire to the status of my refund and was not given a satisfactory reply. I feel that is is unreasonable and abusive for the security deposit to earn XXXX interest, and for a simple deposit refund to require 6-plus weeks.
Consumer complaint received 2020-01-06
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: JPMORGAN CHASE & CO. (ID)

On XX/XX/XXXX My credit card was charged : {$89.00} by XXXX without my purchase or permission.

On XX/XX/XXXX I identified that approximately 35,000 Reward Points had been removed from my credit card point program.
Consumer complaint received 2020-01-06
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 ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

XXXX XXXX began servicing my mortgage as of XX/XX/2019. Per XXXX, 2 payments were misapplied in XXXX and/or XX/XX/2019. My bill pay history shows that my account has always been paid in full by the XXXX of the month, which is the final date payment is due before any late fees can be applied. I was made aware of the misapplied payment in XXXX and have been working with XXXX, primarily via phone, ever since in an attempt to get the payments reapplied correctly. 

In XXXX, I was instructed by XXXX to submit a written dispute via e-mail. I submitted that dispute on XX/XX/XXXX and received a letter from XXXX on XX/XX/XXXX confirming receipt of that letter. XXXX has failed to respond to me within the federally regulated time frame. Now they are reporting late payments to the credit bureaus and hurting my score because of their error. 

I have attached both my letter to XXXX, my payment history from bank account, and my response from XXXX. Thank you for your time and attention to this matter.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have 6 Student loans that are reported on my credit that are more than 7 years old. The timeline for reporting debt to a credit report is 7.5 years and these debts are well over that. The government plays games by selling your debt or changing the name of the loan or debt management company that has your loans. Why would my loans be transferred to a debt management company when I haven't asked for any debt consolidation? Not to mention I was never made aware that my loans were being transferred to anyone other than the Department of Education ( which is who I thought the loans were taken out ). Per my research " When your loan servicer gets bought or your loans are transferred, you will receive a notice from your current student loan servicer and a welcome letter from your new servicer. The promissory note that you sign for each new student loan requires both the old and the new servicer to notify you of the change. You should receive a letter from each of them when there is a service transfer. You may also receive notice from the Department of Education if your federal student loans are being transferred. " I have attached all of my loan information, also the information showing when my loan entered repayment and all of those dates were more than 7 years ago, so why is it still on my credit?
Consumer complaint received 2020-01-06
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 have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2023-06-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Mortgage Inc. (FL)

on XXXX XXXX, my mortgage was discharged but I am being threatened by said company that they want to keep charging me mortgage payments as well as threatening foreclosure. As a documents show my mortgage was released, discharged and reconveyed to the persons legally entitled to. Which is myself and my family. As a natural person, I am to fully enjoy my land without company data mortgage Inc dba Essex mortgage harassing me as they are a debt collector, and have no entitlement to my land. Company has violated FDCPA, with unfair practices titled 15 usc1692c, d, e, f.As documents show i have contacted Essex to cease and desist all communication and stop mailing, and calling, and they did not abide by FDCPA laws. I have a box full of mail from them stating they are debt collectors attempting to collect a debt. According to UCC 9-210 Request for accounting ; Request regarding list of collateral or statement of account. Individual request for accounting form B-210.

( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).

( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.

( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request.

( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.

Essex has not provided any of this information and strictly sent statements of account.
Consumer complaint received 2020-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

On XX/XX/XXXX my city and county taxes came due. XXXX XXXX said they sent out both however the city taxes to todays date of XX/XX/XXXX have not been paid. I have notified them twice on their online communications system and have not received a communications back. First and foremost they didn't even send the correct amount on top of all of this they gave me a refund early last year on my escrow when they shouldn't have done so. This company is horrible and should be closed down. They have now cost me {$81.00}.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I was scammed for {$500.00} via Cash App by someone portraying to be a company that handles shipping services for businesses. 

I contacted Cash App and reported the account immediately once I realized I was scammed, Cash App stated they would investigate and submit a refund request to the other party on my behalf, and let me know something by XX/XX/XXXX. I sent another follow up one week later, and was told there wasnt anything they can do about it. 

As a result, I escalated the matter through my bank. 

My bank reversed the payment from my Cash App account on XX/XX/XXXX, since I added cash and didnt send payment directly to the other party where the money was pulled from my personal bank account. That was the only way my bank could resolve it. 

Cash App now placed my account in the negative of {$500.00}, instead of collecting the {$500.00} from the person I was scammed by. Not only did Cash App let the scammer walk away with a free {$500.00}, they also expect me to pay {$500.00} to bring my cash app account out of the negative, which happened as a result of them not doing their due diligence. Im reporting them for fraud and for attempting to scam me out of an additional {$500.00} which they could have recovered, by just pushing a button.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (PA)

A caller contacted me to collect a false debt on a nonexistent account totalling {$2400.00} while impersonating a representative of PayPal. The caller requested immediate payment of a minimum amount of a couple hundred dollars to avoid more late penalties added. I said I would call back and then called the real PayPal who verified no account existed under my name holding any debt. 

The number the call originated from is XXXX. They are scammers, but brazen enough to have a website called " PayPal Credit '', based in XXXX and XXXX.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (NY)

I purchased a coat in XXXX 2014 on Ebay and used my Paypal account. The coat was NOT the real thing and I was told by the seller in XXXX XXXX to send it back using USPS and I would be refunded the money. The cost of the coat was {$400.00} I had it insured. The seller in XXXX XXXX claims she never received it. The USPS says it was delivered and gave me a delivery receipt. Filed a complaint with PayPal and they denied it because it was 45 days after the purchase. Now I do n't have the coat and I am obliged to pay the {$400.00} to PayPal with interest. I filed a complaint with XXXX. to no avail. 
This is fraud and PayPal should stand behind their paying customers.
Consumer complaint received 2016-09-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

PNC engaged in fraud and now they are trying to get me to pay XXXX. They already ruined my credit and now they still have this charge on my credit report. When several offers came for the house, they refused the offers and the house ended up in foreclosure and being sold for a fraction of what was offered by potential buyers. I also believe the terms of my loan for the house were more onerous and higher due to being an XXXX XXXX.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I acquired a XXXX Loan in XXXX for my primary residence that XXXX modified in XXXX because it was a poor loan product, ( Neg-Am ). Myloan servicer transferred to Nationstar in XXXX XXXX and the terms of my loanmodification are not sustainable because of annual interest rate increases. Ihave been actively engaged with Nationstar since XXXX XXXX and eachapplication for a loan modification receives a different response with the samesubmitted documentation. My HUD counselor recommended a loan programcalled a FHA Short Refinance for homes with negative equity. I have called, emailed, and certifiy mailed Nationstar for XXXX-years about the FHA ShortRefinance program and Nationstar will not put in writing whether or not myNationstar supports this program. My lender is XXXX XXXX Bank, which theysupport the FHA Short Refinance Program. In my last letter received fromNationstar they assigned me my XXXX ( XXXX ) " Dedicated Loan Specialist '' which when you call their phone number, he states on his voice mail that hisname and phone number were inserted into XXXX of customers lettersby mistake and he can not help you, he proceeds to give you the XXXX customerservice phone number. 
Compliant:1 XXXX Nationstar fails to respond to my questions concerning FHA Short RefinanceProgram. 
2 XXXX Nationstar 's Dedicated Loan Specialists '' are not real ; only on paper theyexist ; I have not received a call back from a single Nationstar Specialist. 
3 ) Nationstar asks for the same documents multiple times stating they were notreceived. This has gone on for XXXX+ years when applying for loan modification. 
4 ) Nationstar uses the veil of waiting XXXX days to respond to every writtenrequest I 've submitted. This technique only allows XXXX back and forthcorrespondences in XXXX days ; thus, your documents expire and new documentsmust be resubmitted starting the process all over again. ( I have saved everyletter from Nationstar ) 5 XXXX My customer service representative responded to my last request withoutreading a single page of my package of material I mailed in. His response wasopposite to documents that HUD sent to me to give to Nationstar about FHAShort Refinance Program requirements. Nationstar stated that I did not qualifybecause I had a Conventional Loan and not a FHA Loan. The FHA ShortRefinance Program states you MUST have a Conventional Loan to beeligible and not a FHA loan. 
Thank you for taking my complaint about Nationstar performance as athe Servicer of my home Mortgage.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (CT)

I have been unable to update/view my credit report online with Equifax, I pay a monthly subscription for their service and have been unable to view/update my report since XX/XX/XXXX. The following error message is received, Eval Code : - Status Code : XXXX, Reason Code : XXXX. I spoke to several reps, they said it was a technical issue and would be fixed but it is now been three days and still unresolved.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus have a very bad customer service organization. The first 12 minutes of any call is them verifying and re-verifying all of your information even if you talked to them that same day. The servicers do not read your information in the notes after verifying who you are or prior to calling you. I have asked for 8 years, providing documents by email, fax and snail regarding my name change, with documented proof they request, at least 10-15 times. And, I notify them every single time I call that I am divorced. They still have not taken care of it. They are rude and inconsiderate. I believe I they have taken steps to hurt my account and credit because of this. I have had payments applied incorrectly, using late payments and misallocated a regular monthly payment in order to make negative marks on my credit. I requested a modification, was told I needed to miss 4 payments to do so. So I did, they came back with a horrible offer, which I had no choice but to accept. Now I am in a 40 year loan at 5.5 % interest, with bad credit on two fronts because of Seteres. They in NO WAY look out for their customers best interest. Lastly, I had a flood at my house. My insurance promptly paid. Seteres took the money. After 6 weeks, Seteres still has n't given me the money to pay contractors. I had to use 2 months worth of mortgage payments to pay out of pocket so I did n't get a lien on the house BECAUSE OF SETERES. They are rude, clueless robots that only hurt the situation and have no concern about anyone 's wellbeing.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

on XX/XX/XXXX I went to XXXX XXXX XXXX to use there atm and I put my money in to deposit money in to my account which is a different bank USAA I had to use there atm due to them not having atm anywhere in my state I put the money in and it ate it it didnt not give me my money back I told the lady at the front desk she told me she couldnt do anything due to me not having an account with them so I made a dispute with my bank but they said they cant give me my money back due to me not using a atm from my bank but theres not any so how is that my problem
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I have contacted the credit bureaus multiple times about these XXXX accounts from XXXX XXXX. These accounts are incorrect! There should only be XXXX account and the balance isn't correct. I have sent proof of payment to the bureaus but they continue to allow this company to ruin my credit report. This has cost me thousands of dollars in interest & has been going on way too long. 

I will be forced to file a formal complaint with the FTC shall they continue to operate disregarding the law. I also intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 

For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from them.
Consumer complaint received 2017-02-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I purchased equipment from retailer HH Gregg on XXXX XXXX, XXXX total value {$4000.00}. I paid {$2000.00} cash and the balance of {$2000.00} was financed through Synchrony at 0 % interest. Representations made to us at the time in store were that Synchrony would establish a payment plan at a level such that the entire balance was paid down to {$0.00} before the promotional period expired - thus no interest would ever be charged. We appear to have been deceived as a deferred interest charge of {$1100.00} was applied to our account on XXXX XXXX, XXXX. This only came to light recently as we have not received any hard-copy correspondence, email or calls from Synchrony in over 2 years and so when I noticed an ongoing payment to Synchrony from our bank account we undertook an investigation. 
In my letter of XXXX XXXX, XXXX to Synchrony I enclosed a check for the balance of {$870.00} which was outstanding immediately prior to their application of deferred interest clearly annotated " FULL SETTLEMENT ''. Synchrony deposited this check. 

Please would you kindly investigate. 
Thank you. 
XXXX XXXX