davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I sent Citi bank 3 checks totaling {$430.00}, 2 cut up credit cards and a letter to close my mastercard account ending in XXXX on XXXX. They cashed all 3 checks and closed my account and then lost my payments some place in there system. All 3 checks have cleared check # XXXX drawn on XXXX for {$100.00}, check number XXXX drawn on XXXX XXXX XXXX for {$200.00} and check number XXXX for {$130.00} drawn on XXXX XXXX. All three checks cleared my banks on XXXX. Now they want me to dig up copies of these cleared checks and send them to them because they screwed up and can not locate my cleared checks. They want me to do hours of work going to each bank and requesting copies of the cleared checks. You should note I do not do any online banking for security reasons. They are not offering to compensate me for my time, yet they charge me when ever i make a mistake and send them a late payment. I bill my time at {$350.00} per hour and this will take at least 2 hours to to get them what they are requesting plus i have to pay each bank for the two copies of each check as they want front and back of each check
Consumer complaint received 2017-11-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Suburban Credit Corporation (VA)

I got a call at work and was told I my receipt got sent back for wrong address. I them asked what my total due was XXXX XXXX gave me an amount due I unaware of. I have been calling for months making a {$15.00} payment and he not once mentioned I had 3 other bills. I had no knowledge of these bills and further more the address they were sending these bills I have n't lived at in over 3 years. So I was frustrated I never agreed to pay 3 more bills I did n't even know I had 3 bills. XXXX was rude and cursing at me I started recording call once began yelling saying they do n't pay him enough to be dealing with me. He was out of character and when I asked to speak to speak to a supervisor he would not give me a direct number supervisor was no help kept asking for my updated address and did n't care how I was just disrespected. I have never in my live been treated like this my any person I work for a major company and have never been spoken to like that by even a customer. My medical info should have never been sent there its violation of my HIPPA rights.
Consumer complaint received 2023-06-10
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. (UT)

I had a total of {$14000.00} taken from me through unauthorized fraudulent charges made on my CashApp cash card. The first charge was on XXXX XXXX & the last one made before I discovered that my card was missing & that the charges had been made was on XX/XX/2023. I immediately contact CashApp support & canceled my cash card & filed disputes for each transaction. They approved some of the disputes, & credited my account for some of them, returning approximately {$4700.00} of the funds to me. However they then denied the other disputes & kept the remaining {$10000.00} & then conveniently decided to close my account. They refuse to give me any further information or resolve this matter & I had spoke with the merchant that the charges were made to & they had notified me that they would not counter the disputes so that I would be able to get my money back. However, Cashapp never even submitted them or investigated that or anything they just automatically denied them & kept my money!
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc (TX)

XX/XX/2023, I received an alert from XXXX XXXX XXXX about a new loan -- a loan that I had not applied for. This is in addition to the fraudulent use of my personal information discovered in XX/XX/2023, prompting credit freezes and fraud alerts placed on the three major credit bureaus and filing a police report. I investigated this new " loan '' to discover it was report to XXXX XX/XX/2023, but not available on the report or alerted until XX/XX/2023. The loan was acquired through Affirm , Inc . I called Affirm to report the fraud and learned that the number used to verify identity with my stolen information was not my number. An online portal using Affirm subsidiary, XXXX XXXX, allowed this loan to go through. I have disputed this with Affirm/XXXX XXXX as well as XXXX and am awaiting resolution.
Consumer complaint received 2022-05-25
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (OH)

I have a a unverified account from CMI # XXXX****. I had previously disputed this account. I have never done business with CMI # XXXX****. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX**** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI # XXXX**** Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (NJ)

My cash app card information was stolen by a gas station that had credit card skimmers on their atm I disputed a fraudulent withdrawal of {$200.00} with cash app and they denied it doing no type of investigation
Consumer complaint received 2019-11-24
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)

XXXX, XXXX  and experian has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX XXXX-not mine please delete XXXX XXXX-not mine please delete
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/year>, I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days ago, I have not received a response back. I feel like I am being taken advantage of and that I'm not being taken seriously. XXXX ( a ) states that failure to investigate these items from within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach. and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (FL)

I applied for a quick payday loan for {$1200.00} to have it paid off they are charging 642.59 % APR. Which I feel is an unfair rate for such a small loan. i can pay off the XXXX but do not wan na pay over XXXX XXXX dollars interest
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OK)

Around early XXXX XXXX, I applied for a loan modification with my present loan servicer XXXX XXXX XXXX. After I applied for a loan modification, my loan was then transferred to a new servicer Ocwen Loan servicing around late XXXX XXXX. It was explained to me by XXXX XXXX XXXX that my loan modification would pick up where it left off with Ocwen Loan servicing. In XXXX XXXX, and XXXX XXXX I contacted Ocwen to request a loan modification because I never heard anything else about the loan modification that I originally applied for through XXXX XXXX XXXX. On XXXX XXXX, XXXX Ocwen sold my home and confirmed the sale around middle of XXXX XXXX, after several attempts of communication made with them concerning a loan modification. On XXXX XXXX, XXXX, I contacted XXXX, XXXX XXXX XXXX trying to prevent losing my home. XXXX XXXX XXXX escalated my case and it was determined by the escalation specialist XXXX XXXX Agent # XXXX, that Ocwen did not establish proper solicitation or right party contact and asked Ocwen to rescind the sale but they did not. Ocwen Loan Servicing claimed they sent out my solicitation letter in XXXX XXXX, and the trial modification approval on XXXX XXXX, XXXX, to an address my previous property ( XXXX XXXX XXXX, XXXX, OK XXXX ) that they had already foreclosed on back in XXXX, more than 4 years prior. In XXXX XXXX, Ocwen denied my loan modification because I did n't return my RMA that I never received or knew anything about to return because they sent it to the wrong address intentionally deceiving me and setting my loan modification up for failure. Its very hard to believe that Ocwen did n't know that I was at my new address ( XXXX XXXX XXXX XXXX, Oklahoma XXXX, OK XXXX, for years or even outrageously disregarded my address for over 4 years. Although, they sent me my servicing letter to the current correct address and also all of my previous information from XXXX XXXX XXXX had my current address of XXXX XXXX XXXX XXXX before it was transferred. I ultimately lost my home and had to relocate and pay relocation expenses and it caused severe emotional distress. Ocwen Loan Servicing intentionally set my loan modification up for failure and has committed fraud.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -y : Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$650.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

Social Security sent my XXXX payment to my cash app on XX/XX/23 for {$910.00}. Ssi verified it was sent to the correct account but cash app claims they didnt get it. 12 days later it hasnt been received.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The two following student loans are reporting as open with a balance. Accounts have been paid in full and are closed. My XXXX report has already updated the issue and I need these accounts corrected as it is inaccurate reporting. According to the FCRA 623 section ( b ) ( 1 ) ( d ) if the results of a dispute determination that information is inaccurate, then the furnisher must report the correction to all CRAs to which the information has also been reported. Please update the incorrect information as PAID AS AGREED with a balance of {$0.00}. 

XXXX : XXXX XXXX XXXX Account # XXXX Balance {$2700.00} XXXX XXXX XXXX Account XXXX Balance {$1700.00} TransUnion : XXXX Account # XXXX Balance {$1700.00} XXXX  Account # XXXX Balance {$2700.00}
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The 3credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I just received a text message from someone named XXXX saying that theres a {$1000.00} payment waiting for me on the cash app. It wanted me to click the link. Im suspecting its a scam, so I wanted to let you know about it.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (NV)

I have a card called Cashapp, the parent company is Block ( formerly square ). Without warning the company closed my account; stating that I had violated their terns of service in some way. This occurred on the XXXX of XXXX and since then they have not told me what terms of service I violated. This is a transfer account I used to send money to my Son who has moved to another state and hasn't yet established a bank account. 

I simply want to know what terms of service I violated, I've read through the XXXX and don't see anything, and as I have asked several different " advocates '' and have received the same scripted response each time. They say they've sent my case to the escalation team and that I'll receive a response by email ; they never say how long it will take, nor do they reference a case number until asked. They do not give chat transcripts or phone call transcripts, so I've had to screenshot all of my chat correspondence with them. it's as if they just set everything up for their benefit, even in the terms of service the wording is weak at best. " If you do something bad '', we can close your account etc. 

I don't want the account reopened, but I do believe I have the right to an expedient answer as to why they closed the account. If they had said " hey, it'll take us 30 to 45 days to give you an answer, I wouldn't have been happy, but at least I'd know. As it stands, it's ambiguous and I don't think they intend to answer at all.
Consumer complaint received 2017-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (PA)

In XXXX of XXXX my son had a case of XXXX XXXX. My ex wife and I have shared custody and he was with her at the time. When we talked I suggested making an appointment with his family doctor. Instead she took him to the ER and incurred this debt. Earlier this year the collection agency started making continuous phone calls to me. I have requested documentation that this is my responsibility but so far have received none. Also comments have been made by their agents to the effect of " so you would not pay for your son to get medical attention? '' Frankly, no, when it is not necessary, done without my consent, and could have been handled by his PCP and covered by insurance.