davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I made a purchase using Paypal. I did receive the product but requested to return and receive a refund. The seller received the product and stated that they were going to issue the refund. When it was never received and the seller quit responding I filed a dispute with Paypal. They initially provided the refund but then later took it back stating that the transactiong was handled properly. Now Paypal is showing that I owe them {$140.00} for the refund that they provided. I have went back and forth with Paypal providing all documentation showing that the item was received back by the seller and all communication showing that the seller agreed to issue the refund and never did. Everytime I reach out to Paypal I continue to have to send the same information over and over again with no resolution.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TX)

I went to withdraw money from my Cash app account on XX/XX/XXXX. I press a number incorrectly for the wrong amount and Cash app completely locked me out saying my account is suspended and to call to have reactivated. I have called multiple times and no one seems to be able to help. They over talk you and keep saying that I received an email which I never did. A real bank dont even make you go through the hassle of unlocking my card or account. I am accumulating lates my payment are getting rejected. They are putting a big problem on me at this moment.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

XXXX I delivered food to a customer. He asked could he tip me using cash app. I gave him my cash app name and he sent me {$310.00}. He said he meant to send me {$10.00} and asked if I could return {$300.00}. I sent him back {$300.00}. XXXX Cash app sent me a text saying they was taking {$310.00} from my XXXX  XXXX XXXX checking account. I called XXXX  XXXX XXXX and explain to them what was going on. They said Cash app send them a normal authorization as if I wanted to send the customer {$310.00}. I did not authorize them to send money to anyone.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 and 15 U.S. Code 1666. U.S. Code 1681 Section 602 states that I have the right to privacy, 15 U.S. Code 1681 Section 604 ( A ) Section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions, and under 15 U.S. Code 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

BLOCK INC. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I NEVER HEARD OF BLOCK INC, THEY TOOK {$95.00} XXXX XXXX  {$6.00}. XXXX XXXX XXXX {$20.00}, I DONT HAVE NO DEALINGS WITH THESE COMPANIES, TAX YEAR XXXX AND I WANT TO SUE FOR FRAUD AND HARRASSMENT, MY NAME IS NOT " XXXXXXXX XXXX XXXX '' PLEASE REMOVE THIS NAME FROM ALL CREDIT BUREAUS NOW XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX MY NAME IS XXXX XXXX PLEASE CORRECT MY NAME
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I received a 41 days past due notification on my Credit Report for an account that was paid before the 30 days late. My payments are due on the XXXX of each month. I make sure my payments are paid. My payment for XXXX was processed on XX/XX/XXXX but the payment processed with my bank before my direct deposit hit my account, so my bank returned the payment and I understand XXXX charges a {$15.00} ach return fee, XXXX retried the payment XX/XX/XXXX and the payment was made for {$94.00} ( monthly payment ) and {$15.00} ( ach return fee ) and both payments were successful. I had no knowledge of the {$15.00} Late Fee that was charged XX/XX/XXXX until XX/XX/XXXX when I got the notification and spoke with a customer service rep that verified I was 41 days late. Even though my account was current this company forwarded my account to a third-party collection agency for a {$15.00} late fee and reported to the credit bureaus that I was 41 days late even though my account was paid XX/XX/XXXX and current. When I called to resolve the issue, I paid the {$15.00} XX/XX/XXXX and I was told that I couldn't get the 41 days late payment removed from my credit report which I don't understand because my monthly payment was made before the 30 days late.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

In XXXXXXXX XXXX  XXXX, I was contacted by a so called law firm by the name of XXXX XXXX that was trying to collect a debt from XXXX for XXXX XXXX XXXX  XXXX I was already in the process of paying off all my debt so I figured this debt collection was legit. I paid {$140.00} every month for a year. It ended up being a scam after I so called paid it off. I asked for the original paperwork to try and get my money back from my back but they could not provide the paperwork because they were/are scammers.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX I # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

GAGE 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I had a few issues with my account ( kept getting hacked and unauthorized funds withdrawn from account, ones i didnt authorize ). they asked me to show proof, which i e mailed them like they asked me to. they never responded and actually closed my account without telling me until 4 hours after they closed my account, which my direct deposit was supposed to go to my account that evening. I had to wait almost 2 weeks for my check to deposit into a new account because they sent it back to my employer. i had to borrow money to make it that week and a half. then they told me it was due to security issues is why they closed my account. and they reversed all the credits they gave me for the unauthorized transactions ( they charged me for them ) and kept checking account open so those charges could come back thru, but wouldnt allow me to withdraw or deposit any money in the account. when I filed a complaint with the BBB they called me back with a case number, however when i called them back multiple times, they never called me back, kept getting their voicemail. they supposedly reported to the XXXX  that they couldnt ever get ahold of me and no resolution was reached which is hogwash!!! i repeatedly called them and asked for them to call me back or leave a voicemail. This is very unprofessional of them and rude.
Consumer complaint received 2024-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MA)

I attended The XXXX XXXX in XXXX MA from XXXX to XXXX to attain a Certificate in XXXX XXXX. The XXXX XXXX was aka XXXX XXXX for XXXX XXXX. The Attorney General of Massachusetts closed the school down and charged them with fraud shortly after I graduated. They were convicted and forced to close down all their locations in XXXX. The certificate I obtained did not help me in any way to attain employment and I have had the loans gathering interest for almost 15 years now. I have applied for loan forgiveness on the FSA website but my application is still pending from over a year ago.

I only seek to have my loans forgiven as they were convicted by the District Attorney of defrauding and misleading students.

I owe approximately {$9000.00} to Nelnet, on a total of 4 different loans.
Consumer complaint received 2024-06-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc. (NV)

On multiple occasions, i have submitted complaints regarding the manner in which transactions are handled and regarding the lack of knowledge or outright unprofessional behaviors observed from their support staff ( including actions taken to block me from reviewing my own account history because there was proof of them providing me misinformation. ) Everytime I report any issues, I am provided with a Reference number for the complaint they 'have registered on my behalf '. On multiple occasions, I have asked how to follow up on the submitted complaint, using the provided reference number, but they refuse to provide any information. Every single agen replies with a copy/paste message ; " Based on our review of your concerns and the actions we have taken to address them, as well as not receiving new concerns or new information, we consider the complaint to be closed. '' And then continues to paste this over and iver if i trying inquire further or ask to speak with someone of a higher position.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MA)

In late XX/XX/2024 as a college student, I had a pressing need to make a tuition payment due to complications with my Federal Student Loan. In order to expedite the payment process, I borrowed {$12000.00} from my grandfather. Shortly after that, I attempted to pay him back by transferring money from my online Synchrony savings account to my own XXXX  XXXX XXXX account. I complied with Synchrony 's requirements for the verification process and completed those successfully. Everything seemed fine until I tried to execute the transfer. I unwittingly answered one of the security questions incorrectly, and Synchrony Bank denied the transfer. After multiple attempts to once again execute the transfer, Synchrony Bank placed a restriction on my savings account and denied me the ability to transfer from my own savings account to my own checking account. Since that time, I have made multiple attempts to simply access my account with Synchrony online and I have been unable to successfully log-in despite repeated attempts, most recent attempt today. It's important to note that all of these unsuccessful attempts have included direct telephone conversations between Synchrony agents and me. Obviously, the situation has placed significant economic stress on me as a college student who has bills to pay. In conclusion, I am filing this complaint because frankly, I do not know what other alternatives I have. Thank you in advance for your assistance.
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

I have been having trouble with false wireless charges with more than one company. I found this debt on my credit report today without ever receiving communication from this collection company. This debt of {$370.00} has been held with XXXX different prior collection agencies over the years. Each time, the debt has been found to not be mine. XXXX is listed on the credit report as the original owner, but like the other times it showed up, there is no information on an address or date for service. I have been with either XXXX or XXXX over the past few years, not XXXX. I do not know what this is or why it keeps coming showing up every few years. This agency is clearly not going to allow me to formally dispute this as they bypassed the process.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : JPMCB AUTO FINANCE XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Triton Recovery Group (VA)

I was included on a group text chat that gave private information like names and debt amounts and company names. Here is the message : " [ REDACTED FOR PRIVACY ] Account # [ Redacted ] -Hi [ Named indebted ], please reach out to XXXX XXXX to discuss an open debt in the amount of {$6700.00} with XXXX XXXX XXXX, XXXX client is preparing to take action against you, for defaulting on your cash advance. email XXXX to arrange your payment. I look forward to hearing from you on this urgent matter, thank you '' Once I let them know that I was not to be contacted because I was not who was named, they continued to send messages from this " Triton Recovery LLC ''. They are very obviously predatory and use harassment tactics to instill fear into victims and " clients ''. When I tried to call them and let them know I'm not who was mentioned and that it was in violation of the FDCPA, a woman named XXXX began to speak over me very rudely and talk down to me stating, in a very condescending way, that she " appreciated my attempts to educate but that they don't follow the FDCPA ''.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I have a variety of automatic card charges concerning my role. I never had the password much less ordered anything. I am recovering from XXXX XXXXXXXX and this company charged excessively to the tune of over {$600.00} $ in 3 months. I approached Chase bank a couple of times And they reassured me it was handled. I am pretty sure these 2 fine businesses have quite a few problems to deal with concerning honest people. Foreign business practices really are nasty. So much for technology and the human race. Please help me and others who have found their way into this snake pit. Thanks again.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$90.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

After providing all the documents Nationstar Mortgage LLC asked for a few times over they told the company who helps to modify my loan that I am not qualified. They said if they were to qualify me my monthly payments would be over {$8000.00} a month! That means I have to make over {$24000.00} a month to be qualified. My payments before the hardship was less than {$4000.00} a month and I do n't know how do they calculate in order to come up with such a number. I called and they said the new loan is based on remaining years on the loan with fully amortized. I have heard that banks and servicers offer 40 years with low interest. 
The other problem is when I sent them my income and stuff they still think I do n't make enough money to qualify even for {$4000.00} I was paying before. I do n't think they have all the facts and are not applying correct numbers I sent to them. 
I still do n't have a final letter of denial in writing from them to me but just a note to the law firm who is representing me. I am wondering and scared they may go directly to foreclosure without giving me the chance to appeal and or send my income again because I am not sure their calculation of my monthly income and expenses are correct. 
This happened before when my loan was with XXXX XXXX XXXX and then went to XXXX and now at Nationstar. 
The other thing is all the assignments and transfer documents they presented to me were false and not signed by real people. I have sent them all the recorded documents but they still are trying to use the existing fraudulent and fabricated documents to foreclose on me. 
Nationstar filed a Notice of Default XX/XX/XXXX and Notice of Sale XX/XX/XXXX using fabricated documents. Someone by the name of XXXX XXXX as VP of their company and at the same day and time as VP of XXXX XXXX on same date and time!!! signed Substitution of Trustee and Assignment of Deed of Trust. My question is if you can be a Vice President for XXXX different company in XXXX different countries at the same time??? 
XXXX XXXX XXXX tried the same documents but failed and paid a penalty through Independent Foreclosure Review and now Nationstar wants to do the same thing again. 
I need your help to resolve this matter. Thanks
Consumer complaint received 2024-08-19
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I am compelled to lodge a serious complaint about the unauthorized charges for XXXX XXXX subscriptions that continue to appear on my credit card, despite my repeated attempts to resolve this issue. The lack of action and the appalling level of service from Chase Bank have forced me to seek your immediate intervention. 

For several months now, I have been subjected to unauthorized charges for XXXX XXXX subscriptions on my credit card account. These transactions were not authorized by me, and my numerous attempts to cancel these charges and stop the subscription have been completely ignored. Chase Bank has repeatedly failed to address this issue effectively. Despite my explicit requests to block these transactions, Chase has claimed that they are unable to prevent further charges or stop the subscription service from charging my account. 

In a desperate effort to resolve this, I also requested a token reset for my credit card. This is a basic security measure that should have been straightforward. However, Chase has refused to assist with this request, leaving me exposed to ongoing unauthorized charges and demonstrating a blatant disregard for my financial security. 

Furthermore, my attempts to get XXXX to address this issue have been equally futile. I reached out to them to report the unauthorized charges and to request they locate the account responsible. They have been unable to resolve the issue, largely because I have canceled the compromised card and received a new one. Their inability to resolve this matter is both frustrating and unacceptable.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GFS II, LLC (VA)

Subject : Unauthorized Hard Inquiries Dispute Request I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit report and found the following inquiries to be unauthorized and made without my consent : Details of Unauthorized Hard Inquiries : 1. Inquiry by : XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX by : Consumer Portfolio Service Date of Inquiry : XX/XX/XXXX XXXX. XXXX by : XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX 4. Inquiry by : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. Inquiry by : XXXX XXXX XXXX Dealer Date of Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not apply for credit with any of the above-mentioned entities nor did I authorize these inquiries. These inquiries are incorrect and should be removed from my credit report immediately. 

Supporting Documentation : 1. Identity Theft Affidavit : I have attached an Identity Theft Affidavit from the Federal Trade Commission.