davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On my XXXX birthday ( XX/XX/XXXX ) I went to check my account and I was completely logged out of my cash app account. When I tried to recover my account with my email and cash app tag $ XXXX I was told my account and tag did not exist. I talked with the customer service department and they told me that they couldnt pull up my account with my hard earned money for security purposes. I then asked to speak to a supervisor and they echoed the same words. I then called the customer service department over the phone and gave her my information and she said there wasnt anything the company could do for me and that I should continue to use my new cash app. I then filed a police report and they said they would expedite my case to the fraud department. I also went to use my card and insert my pin and the pin no longer worked. My information was changed, my account was compromised and more than XXXX was stolen and no one has any answers in the customer service department.
Consumer complaint received 2020-12-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

I requested a forbearance from Firstmark Services, the servicer for my XXXX private student loan, in XX/XX/XXXX because of financial hardship due to reduced work schedule and childcare needs during Covid 19. I was told I would receive communication from the company informing me whether I qualified for a forbearance. I received no such communication, by electronic or paper means. There is no forbearance or deferment application available on their website -- calling the company is the only way to receive an application. 

I made a payment of {$550.00} on XX/XX/XXXX, but was unable to continue payments for the following months for the reasons stated above. On XX/XX/XXXX, I called FirstMark to again request information about forbearance. I was told I qualified to apply for forbearance and would receive an application by email, which I would need to return by XX/XX/XXXX to avoid negative credit reporting. I received no application. On XX/XX/XXXX, I called FirstMark again to request a forbearance application and was told a rush request was placed and that I would receive a forbearance application in my email by XXXX central time on XX/XX/XXXX. I received no application or other communication from them. 

As a result of FirstMark 's delay, negative information will be added to my credit report. I understand the responsibility for paying my loans, did so when financially able, and intend to do so when I am again able, which will likely be XX/XX/XXXX. I am waiting to start a new job, information I shared with FirstMark. However, while I am waiting for this new opportunity to start, FirstMark is obstructing my ability to take reasonable temporary measures to protect my financial health, all in the midst of a pandemic. To add insult to injury, FirstMark has started calling my former employer in an attempt to collect this debt, completely ignoring the fact that I have been trying to resolve the issue with them through established channels and that the account remains delinquent in part as a result of their own inaction and borrower unfriendly processes. 

Please note that the only way to email FirstMark services from their website is to fill out a form that leaves no paper trail on the borrower 's end. Thus, I have no documentation to submit supporting this claim. Presumably FirstMark has records, which I can only hope will be accurate and which I can only hope they will be willing to share if needed.
Consumer complaint received 2017-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, doing busines as " XXXX XXXX '' ( XXXX XXXX ), and its financing company, Universal Acceptance Corporation, ( UAC ).  I did not have to put any money down, the payments were {$190.00} every two weeks. I automatically set up direct deposit payments from my checking account to begin XX/XX/XXXX. They pulled the first payment plus a {$3.00} fee through XXXX XXXX XXXX payment. A few days later, I received a text and email stating to call about my payment. My car was disabled until I called in and made another payment. This has happened 3x as they said the payment came back NSF ( Credit card and checking account ). I called the corporate office in XXXX, MN and spoke with a Customer Service Representative who did n't know anything and said that I needed to speak with my finance manager " XXXX '' in XXXX, WA. I was transferred back and forth and made another payment until I received my bank statement. I emailed my statement over to " XXXX '' at the XXXX, WA location and she said that she would give information to her " Finance Manger ''. Needless to say, my vehicle was disabled again when I had to take a client to XXXX, I called XXXX XXXX again and XXXX enabled the vehicle so I could get client to hospital but she XXXX before we could get her there. I am so done with this SCAM Company. I received a call today ; ( XX/XX/XXXX at XXXX XXXX  from " XXXX '', the Finance Manager and he asked me if I could pay the {$390.00} that is owing on truck, I said " no '' and I 've already paid you people and sent over documentation. He went on to say that they have not received a single payment and if I could bring truck back to them if he enabled it. File No ; XXXX Consent Order, this company needs to be shut down. He ( XXXX ) told me that I would need to sign a " release of the loan '' when I bought the vehicle back. Carhop has made deceptive representations to consumers and will do anything to get money from the customers repetitively. They are very unprofessional, rude, uncaring and all that matters is the almighty dollar. One would think that they would have learned their lessons from the Consent order but they continue to practice this way. The vehicle was my only means of transportation and cost me my job and all they care about is $ $ $ $ $ $ and not their customers. I have proof that these payments were taken out of my account and I even emailed everything over to " XXXX ''. XXXX XXXX also provides false information to the three credit bureaus and hinders customers from obtaining credit for home loans, car loans, any type of loan and they have been ordered to pay over XXXX XXXX on XX/XX/XXXX. Why are they still in business and allowed to continue to do this to consumers/customers? Many lives have been affected by their " GREED '' and unlawful practices, it needs to stop now.
Consumer complaint received 2022-05-25
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2017-11-10
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (FL)

In XX/XX/XXXX I contacted Reverse Mortgage Funding LLC to negotiate a reverse mortgage. I asked for {$5000.00} at closing for upgrades on my master bathroom, and {$1000.00} a month. Closing was on XX/XX/XXXX. My house was appraised at {$210000.00}. Everything went very smoothly and XXXX was easy to deal with. I received a monthly statement which included a " Credit Draw Request Form ''. 

In XX/XX/XXXX, I contacted XXXX and requested a draw of {$25000.00} to add a garage to my house. I was told I would have to apply for a NEW reverse mortgage and get a new appraisal, which came in at {$220000.00} ( without the new garage ). The XXXX agent sent an email stating the I could only draw {$20000.00} plus {$1000.00} monthly. A contractor was signed to do the work and he put a lien on the property for the work to be done. XXXX called to say they could n't close until the construction was completed and the debt paid. I paid the contractor in full from my savings, leaving a very small cushion. 

I told the XXXX agent I would like a new appraisal. He said the new appraisal could n't be done until XX/XX/XXXX. I agreed to wait. In the middle of XX/XX/XXXX, the XXXX agent called to let me know that the laws would be changing in early XX/XX/XXXX, limiting the amount I could access. He suggested I should close ASAP. Closing was XX/XX/XXXX, at which time I was told I would only receive $ 17,000+ on the initial draw. I gave the notary a voided check for direct deposit into my account for the initial draw and another voided check for the monthly draw. However, the amount deposited in my account was $ 16,000+. On XX/XX/XXXX, expecting a deposit in my account of {$1000.00}, I was disappointed. I contacted the agent I had been dealing with who told me there was no clause indicating the monthly draw. 

I do n't have a copy of the closing paperwork. I believe the notary took my copy by mistake.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XXXX. This is a flagrant violation of the FDCPA.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CO)

I was making an online purchase, the merchants web site glitched, resulting in a pending payment. The merchant canceled the payment immediately. Cash App kept my money, and has not returned it 5 days later ( when I'm writing this ). When I contact Cash App I get the same preformed responses that tell me to contact the merchant and if they cant help the money will be held for a week. The merchant did help, still no funds. When I tried to complain about this, Cash App literally terminated to conversations.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (MI)

I have received 2 fraudulent cash app cards in the last 2 weeks. I requested initially to have my social security number blocked on all accounts and from opening future accounts, this has not yet happened. If my current account must be deleted I understand. The company is hard to get on the phone, phone reps require you to add a debit card for verification even though they have a picture of my ID and I get bounced around to different people and no one can close the cards. The response I get is we have escalated your complaint and we are currently working on it. This is unacceptable, any time fraudulent cards have been opened in my name they have been shut down within 10 mins of calling customer service. The manager takes 24 hrs plus to respond to emails as that is the only way of contacting upper management.
Consumer complaint received 2024-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent Transunion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than XXXX  years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX. Please see the attachments.
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. (SC)

XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} 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 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (VA)

Capio collections agency, has continuously called my phone attempting to receive payment of debt that I do not have with XXXX hospital in XXXX, Virginia. The agency 's reps. claim a balance of {$960.00} from a visit to the XXXX on XX/XX/2020 was sent to their collections agency on behalf of the hospital. However, I am fully insured and have contacted the XXXX hospital billing department numerous times regarding the alleged balance, and they have informed me that I do not have a balance nor have any past or present bills sent to collections. The XXXX billing department has also informed me that they don't have partnerships with the Capio collections agency to collect patient debt on their behalf. More importantly, the Capio collections agency has knowledge of my all of my information such as, social, full name, address, and account number with XXXX hospital. Many of the representatives sound un-professional and lack customer service etiquette working with the Capio collections agency. They have also sent letters that I no longer have or can find mimicking an actual debt collections agency report. I am reporting the agency as fraudulently trying to receive payments from patients and harassing me with constant calls regarding the made up debt. The number the collection agency has called from includes a local area code, but each time I call a different person answers as if the calls are diverted to different phones. The phone number they last called from was ( XXXX ) XXXX.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In 2013 we declared chapter XXXX bankruptcy Bank of America held our mortgage but we never bankrupted our home or autos and they show that we bankrupted them. They have been contacted and they say they are correct and will not remove it from my credit report. This has cost me untold monies for higher interest rates on cars and refinancing my home. You may call my bankruptcy attorney, XXXX XXXX in XXXX XXXX By the way, I'm still in the home.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. On XXXX/XXXX/XXXX - It got Credit report from " XXXX " that contain one out of 4 names.

wrong. They told me to contact Capital One Auto finance, who reported that information.

2. When I called XXXX, they me told me that name was provided by Capital One Auto finance and that modification can only requested by Capital One Auto finance only.. 
3. When filed dispute with them, on XXXX/XXXX/XXXX Capital One Auto finance, conveyed me to call their XXXX XXXX 4. I have been have been in communication with Capital One Auto finance number of times, since XXXX/XXXX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XXXX/XXXX/XXXX, as requested by XXXX XXXX of Capital One Auto finance 's president 's office. 
5. When called Capital One Auto finance on XXXX/XXXX/XXXX at XXXX am XXXX, they told me to call again XXXX tel # XXXX. 
6. I called XXXX tel # XXXX XXXX/XXXX/XXXX at XXXX am XXXX, they told me that there has been only one updated from Capital One Auto finance on XXXX/XXXX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by Capital One Auto finance only, This is very stressful for a person who is 75 years ... .. 

Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Premier Portfolio Group (WA)

Repeated phone calls/messages left daily for months and months to my cell phone saying i have a bad check I have told them I do not and never had any bad checks to anyone I have asked them numerous times to send any collections they may have to me in writing to my home address They never have done so. In months I have asked them numerous times to stop calling my cell phone They still continue daily for months! 

I have emailed them and sent a letter to the address they gave me asking for the calls to stop including the hopefully last time today What else can i do Please get these calls stopped
Consumer complaint received 2017-11-10
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: Experian Information Solutions Inc. (NJ)

EXPERIAN removes and then adds collection accounts XXXX XXXX XXXX {$290.00} XXXX XXXX {$270.00} they refuse to answer any correspondence I have sent and I am unable to dispute on the website
Consumer complaint received 2017-11-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried several time to get an account- XXXX XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX XXXX
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I received a Mortgage Escrow Account analysis recently from my mortgage loan servicer Ocwen Loan Servicing. The analysis showed an escrow shortage of XXXX. This amount was broken down as : {$3300.00} escrow advance and {$1700.00} balance needed for the next year. 

I called Ocwen on XXXX XXXX, 2015 and requested they cancel my escrow account. I was told to fax my request and pay the shortage ( {$3300.00} ) and to also make my request in writing. A letter making the same request along with a check for the shortage was overnight mailed on XXXX XXXX. 

Ocwen has cash my check and applied part of it to the XXXX payment in spite of the check being mailed specifically to the Escrow dept. along with a cover letter referencing to be used for the Escrow shortage. 

Today when I called Ocwen to find out what the new mortgage payment would be I was told that no decision was made and to call back. 

I have complied with all of Ocwen requirements to cancel my escrow account but all I getting is the run around from them. 

1. I want the escrow account closed2. I want the entire check amount to be applied to the escrow shortage3. I want a new payment invoice showing only the principal and interest. 
4. And I want all of the above without delay
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (AZ)

FORTIVA CREDIT PROTECTION REFUSES TO SEND REQUIRED DOCUMENTS TO ME SO THAT THEY WILL HAVE TO PAY OUT FOR THE 6 MONTHS AS REQUIRED IN MY SERIVICE WITH THEM MY CREDIT CARD COMPANY HAS BEEN ASSISTING WITH OTHER FEE 'S BUT THERE IS MORE TO BE DONE I SEE AN ADDITIONAL XXXX THAT IS OWED TO ME. 


XXXX MINIMUM PAYMENT X6
Consumer complaint received 2019-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (IL)

I paid the loan amount before the end of the lease but WellsFargo is starting I owed $ 6,000+. The full loan amount was paid along with any late fees per the loan agreement. It should be paid in full and a XXXX balance. The loan did not expire with me owing any money. I want to be in good standing and a XXXX balance or remove WellsFargo from credit report.
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Integrity Solution Services, Inc. (MN)

I am constantly receiving harassing and threatening telephone call from XXXX XXXX debt collector Integrity for a debt of {$97.00} I do not owe. The account is an unauthorized and fraudulent account that 's the result of identity theft. The account do not belong to me.