davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

I have been in contact with Rushmore Loan Services for the last 2 years. I have been working with them for the last 2 months to transition out of a loan forbearance. My loan is owned by XXXX XXXX. Rushmore offered me a loan modification that extended my loan by 17 years. I denied that offer. I requested a deferral which is an option with XXXX XXXX Rushmore denied my deferral request. Please help!
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (WA)

In XX/XX/2021, I received a promotional offer from Upgrade stating that if I applied for their Upgrade Card and meet certain criteria ( use the card 4 times in 2 months ) and I would receive a {$400.00} bonus. I applied for the card and met their criteria but they have not given me the bonus as advertised. I've called and written several times. When I first called they told me to wait until after the 2nd billing cycle which should have been XX/XX/XXXX. The next time I called I was told my account would be credited after XX/XX/XXXX. When I email customer service again I was told they can only respond to me by telephone.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX.
Consumer complaint received 2021-02-18
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. (AK)

I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Consumer complaint received 2019-11-24
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. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc. (NC)

was working with a woman name XXXX who is suppose to be a landlord or becoming a realtor, I was apt and house hunting I was referred to a woman name XXXX XXXX helped people with less then perfect credit. 

So I decided to reach out she I took a look at her stuff if look legit plus I met someone who she helped and she showed me proof that XXXX helped her. So after sone talking I sent my payment for the price we agreed on and she kept asking for more and more and I denied I said no so she took my money blocked me and didnt refund. Ive since then filed a police report and contacted cash app and will be contacting my bank. 

Cash app is stating I can get my money back even though shes using a whole business cash app under the name XXXX. This isnt ok or fair to keep letting people get scammed. Shes had her account since XXXX  so shes had it awhile I also called cash app support and they told me nothing they can do. I spoke with a rep named XXXX he wasnt helpful at all. Im done with cash app after this been scammed a few times no help My police report number is XXXX I gave them her name the app name she does business under her cash app tag and I have pictures of her Ive also filed a complaint with the ftc Im uploading the screenshots of her telling me its XXXX $ and to cash app her then she will get started and Ive heard nothing because I wouldnt give her XXXX $ more she lied point blank period I filled a claim with XXXX which Ill be filing another they responded and said they would be reaching out and Ill attach response to attachments and my response I was scammed from XXXX she didnt help me with anything took my money and did no work for me they are letting her get seat with stealing cash app lets people Scam and didnt help people who are victims with proof
Consumer complaint received 2022-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

1- SLS offered a loan modification, 2- we accepted the loan modification. 
3- we started paying {$370.00} starting XXXX XXXX ( Attachment # XXXX ) XXXX XXXX ( Atta. XXXX XXXX ) XXXX XXXX ( Att. # XXXX ) XXXX XXXX ( Att # XXXX ) mailed Cash down payment from helping agencies Paid {$11000.00} ( Att. # XXXX ) XXXX Paid all items ( Attachment # XXXX ) 5- Loan modification paid. The down payment, monthly payments. All done. 
6- But SLS continues to call, harassing us. 
7-They want to make us homeless. 
8- I am XXXX, XXXX XXXX, they change the loan modification 9- NEED TO STOP HARRASING, ACCAPT " YES " fot answer
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting actXX/XX/XXXX account XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I have been disputing this collection for the past couple months. Experian has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dear. CFPB My name XXXX XXXX Show my Experian, XXXX, XXXX CREDIT REPORTS on collection XXXX XXXX ( XXXX XXXX XXXX ) {$1000.00} Its not my collection. please remove it. 
Thank you. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about the XXXX of XX/XX/2023, CAPITALONE Replied and Justified a Charged Interest on a Balance that was paid in Full prior to the Due Date in Which Interest was Charged. To Date the CAPITALONCE held the XXXX Payments for {$1000.00} with a Fee of {$3.00} and gave an Investigation Number # XXXX. The Second XXXX Payment $ XXXXthat was held was for with a Fee of {$300.00} and gave an investigation Number. CAPTIALONE held the payment for an addition three ( 3 ) Days in both transactions even though the payment was in their possession. See the Attachment. It was only after a Call was made that the CAPITALONE credited the payments, however still charged the Interest and reported the inaccurate amount to the Credit Agencies. Then after another Follow-up Call CAPITALONE correct the balance, however never resolved the Interest that was Charged. I am requested for CAPITALONE to honor the Contract Agreement. as their action constitute a Breach. It would be a displeasure to File a Civil Suit to Recover the Overcharged Interest as to their Breach, However the Cardholder is willing to take legal measure if needed.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

I got square card reader becuase my biggest customer wanted to start using there cc. So I got it I tried it I charged a small amount it worked fine. Then I let my customer use there card and it was a large order. XXXX plus bucks maybe small for you but everything I had. Then square said I needed all these things business numbers tax numbers I gave them everything they wanted even down to my customers names and phone numbers and email addresses. Then they said all looked good they said XX/XX/XXXX they would deposit it into my accounts. It didn't happen they Then sent me a email said they will send me my money in XXXX so im done my business is now closed.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

With CashApp I was charged {$10.00} for a charge I did not authorize on XXXX, XXXX XXXX  in XXXX, XXXX contacted CashApp to resolve the issue, spoke with them by phone and corresponded by email. They determined there was no fraud and did not provide adequate evidence supporting their claim. Th {$10.00} is not the issue it is the issue of my financial security.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One informed me with false information about business credit. Me and my partner were under the impression Capital One would be reporting the business spark card on the business credit file and not the personal file. I asked XXXX ( ID Number XXXX ) can a EIN be used to open business credit and not a SSN. She said No. I also wanted to know why Capital One is reporting Business expenses on my personal credit file. It is very misleading to have customers think they are getting business credit but it still reports on the personal, when the whole goal is to separate business from personal. Also, I want a limit increase on the business card to {$15000.00}. I wasn't happy with {$7500.00} to start when I've been building business credit for years.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I have been disputing this collection for the past couple months. Experian has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.
Consumer complaint received 2015-06-03
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

My son and I were on an auto loan together and he could n't afford it anymore so we voluntarily surrendered the vehicle to the bank.we were told they would send a final bill after car is sold in an auction and have n't heard anything yet from them since we gave car back in XXXX 2015. Yesterday XXXX 2015 they somehow got my tenants number illegally and called her wanting her to disclose our personal information to them, like where we work and our phone numbers etc. And they also told her that we both may get a warrant for our arrest ... they have the car back so how can they threaten to arrest us for something we no longer poses? This bank has major issues and needs to be stopped..they had no right contacting my tenant and involving them and we do n't know how they got her number except googling it which should be illegal to do in this scenario. They also falsely reported on our credit reports that the car was a repossession not a voluntary surrender like it was.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

My cashapp  account name is ( $ XXXX ) My name is XXXX XXXX. 
My husband name is XXXX XXXX. 

On XX/XX/2023, My husband cashapped me {$5000.00} at XXXXXXXX XXXX I then went to cash the money from cashapp  to my husband 's debit card which I had linked to my account. I cashed out {$5000.00} with a {$75.00} fee to use cashapp  services. So a total of {$4900.00} was to be on my card at XXXX XXXX 

Cashapp  says that the transaction was successful. 

My husband 's bank states that the transaction was declined, because they don't accept anything over {$3500.00} through cashapp.

I have an email from my husband 's bank declining the payment. And a statement from cashapp stating that it did go to my bank.

As of right now, My money is neither in my husband 's account, or on my cashapp. So i don't know where my money is but both parties say that they do not have any holds on my funds. I need help to obtain my money.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial (MA)

Back in XXXX I began using a crypto currency exchange called Poloniex. I put in over {$1500.00} in and watched it grow up to $ XXXX in XXXX. Some time passes and I log back into my account in XXXX and noticed my money was gone. The exchange force sold my crypto position, without my permission, at the price of {$1600.00} and said they sent my money to the state of Delaware even though I am from Massachusetts. I have been in contact with the state of Delaware 's office of unclaimed money for years now and they continue to tell me they do not have it. I have been patient and been asking for help. At this point I suspect unlawful actions and need expert help in getting my money back.
Consumer complaint received 2019-06-19
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. (GA)

I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

I have a XXXX XXXX Synchrony credit card with a promotion that I would pay a fixed amount {$160.00} per month. ( Similar to a term loan ) Last Fall ( XXXX ) My payment was late and I was assessed a late fee of {$40.00}. I paid {$200.00} which was comprised of the {$160.00} plus a {$40.00} late fee. Synchrony bank applied the entire {$200.00} towards the principal balance and continued to charge me interest on the {$40.00} late fee. I asked them to correct the application of my payment and was denied. I ended up paying interest for 5 months on a late fee that Synchrony did not properly apply my original payment to. 
After hours of arguing, Customer service in an effort to resolve this issue, reversed the {$40.00} late fee in XX/XX/XXXX, but never reversed the interest. I was told by Sychrony that I was not allowed to deduct the {$40.00} credit from my XX/XX/XXXX payment due. 

On XX/XX/XXXX, I faulted on my monthly obligation of {$160.00} due to Covid. As stated, Synchrony would allow me to apply the {$40.00} credit to my {$160.00} XXXX payment. In fact, they increased my payment on XX/XX/XXXX to {$200.00} to pay for a late fee assessed on XX/XX/XXXX that Customer service agreed to also reverse. 

Here is the problem : First They would not allow me to reduce my XXXX payment for the {$40.00} cr adjustment given in XXXX. 
Second On XX/XX/XXXX, Sychrony increased my XXXX promotional payment from {$160.00} to {$200.00} due to the late fee, but would not reduce the XXXX payment back to {$160.00} when they reversed late fee. 

That is two {$40.00} late fees totaling {$80.00} that they made me pay even though they reverse it. Rather than reducing the minimum payment from the {$200.00} back to the original obligation of {$160.00}, They apply it to my principal balance. My contract states that I am to pay {$160.00}. plus late fees. If the late fees are reversed, I should not have to pay them. 

They are using the {$80.00} to shorten the length of the loan by reducing the principal balance with money that I consider as being overpaid. They are using my {$80.00} interest free! My interest was calculated at the beginning of the loan therefore my principal balance includes imputed interest. This imputed interested is not being adjusted when they apply my {$80.00} overpayment that I was forced to pay to that balance. When those late fees were removed, I should have either been refunded ( money back in my bank account ) or my next payment reduced. 

The SEC really needs to really take a look at Sychrony Bank is treating imputed interest in these cases. 
Interest on my {$80.00} for the next couple of years might not seem like much, but when you consider all the people they are doing this to month after month, the imputed interest they are not adjusting for or refunding to consumers is alot of money.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I was taken advantage of by the companies listed due to XXXX  where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX