davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (SC)

I have had a cash app account for sometime and I received requests from two people I did not know have never heard of or had any dealings with and I declined them and Cash App closed my account. I have tried to contact them in regards to this and they keep saying that they sent me an email when they did not I have checked all of my emails spam included and nothing there. They say they sent me email and they closed my request and reopen it I have done this twice had to wait two months for this to happen and they will not do anything about it I did not violate their terms as they say because why should I pay for somebody pay money to somebody I dont know. There was no reason that they close my account and therefore I want it reopened so I have access to Cash App
Consumer complaint received 2022-09-02
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy Chapter XXXX Discharged XXXX Date Filed XX/XX/2013 2013
Consumer complaint received 2024-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

I sold my furniture and other household goods and took payment via cash app. Then I transferred my balance from cash app to XXXX. XXXX randomly put a freeze on my account with {$9000.00} on it and is not giving me a timeline on when they will unfreeze or look into it. They said there is no max timeline. I have read horror stories of XXXX taking over 5 months and still hasnt responded. I am not waiting to take my own money out. I have bills to pay. Customer service says they can not transfer me to anyone as they are the last point of contact. There is no supervisor either according to them. This bank feels like a scam. I have never experienced this in my life.
Consumer complaint received 2022-09-02
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. (MN)

The following fraudulent credit card accounts currently listed on my XXXX and Experian credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX, Minnesota. Theres no bankruptcy records on my XXXX XXXX Consumer Report, the third party company/vendor Experian and XXXX use to get public record information. I have sent documentation from XXXX XXXX to Experian and XXXX for proof the public record is not my public record, but Experian and XXXX continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX Consumer Report. The following credit inquiries currently listed on my XXXX credit report are fraudulent credit inquiries : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota Attorney General, XXXX XXXX, United States Attorney General, and XXXX XXXX, XXXX of the United States of America to look into this matter as well.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Repeated calls from Company Portfolio Recovery any time of day, any day of week to my cell phone for debts not mine, previous cell owner, and also for people I do not know. They call and hang up, they do not leave message. I block them and they call from a different number. I am on Do not call registry.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX i sent a Cease & Desist letter to XXXX XXXX XXXX by certified mail recept XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

In XXXX XXXX XXXX XXXX XXXX a collection call from XXXX XXXX XXXX with voice mail.
Consumer complaint received 2017-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (NC)

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - and their response to my request to VERIFY was that they have already sent me something to verify this and that they would not send me anything further. I have NO IDEA what this is based on the dollar amount or the name XXXX XXXX XXXX. I do n't recall receiving a statement or a bill from XXXX XXXX XXXX. Despite what this creditor is saying in their letter - I do n't know what this is and do not beleive that i have received anything in the mail from them AT ALL validating what this debt it. I have attempted to request this information THREE times now, and I have had enough. Wthin 30 days of reveiwing my report I have spent the last almost SIX MONTHS attempting to get verfication. This letter is the FIRST communication to my knowledge. this item has to validated. this is incredibly suspicoius. This is a waste of my time, energy and money.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case Number : XXXX Date : XX/XX/19 Amount : {$73.00} Merchant : XXXX This merchant subsequently charged my Capital One Credit Card with two separate amounts on the above date. The attached letter shows under CFPB Case No. XXXX and Capital One Case No. XXXX that the amount of {$31.00} was permanently credited to my account. As it was explained that someone hacked my account at this merchant to impersonate me. It would be rather contradicting for one charge to be permanently removed and the other charge reapplied to the account, being the same merchant. Supporting documentation attached to this complaint.
Consumer complaint received 2019-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I have made payments that are not applied to my account. I was working with the company and sent numerous forms of proof several times. For 3 and 1/2 weeks no one would speak or help me. Then all of the sudden they started talking to me with no explanation on why they stopped. I have had to start over to prove my payments. This company is a disgrace. Not only are they charging me fees, they have put my account in collateral recovery. No one knows what they are doing at this company and they charge horrible interest and keep adding time and fees onto my loan.
Consumer complaint received 2019-02-01
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ascendium Education Group (CA)

I am a victim of Identity theft and in the past my information was used without my knowledge. I have contacted each credit bureau and requested a copy of my credit report. I have disputed the inaccurate accounts and requested an updated copy of my credit report, I did not give anyone permission to use my personal information so I am requesting these accounts to be removed from my credit. 

XXXX Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX XXXX  Account # XXXX $ {$4000.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$5400.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (GA)

On XX/XX/2019 an unauthorized with drawl was made from our checking account in the amount of {$3000.00}. On XX/XX/XXXX we became aware of the problem and contacted XXXX XXXX. We were told that the money was electronically transferred to pay a XXXX 's credit card. We do not have a XXXX credit card. 
The bank said they needed a signed letter stating the transaction was unauthorized. The letter was written and mailed return receipt requested. At that time they said an affidavit form was also required and they would put a form in the mail. On the XX/XX/XXXX we called the bank and again was told we needed a signed letter which was written, signed and emailed to their email address. As of that date the required affidavit had still not been received. On XX/XX/XXXX we called again and then were told that the affidavit had not been mailed and they would send it that day. The problem is that there seems to be a 10 day window for them to take action and the affidavit may not be received in time to return it. They did confirm receipt of the emailed, signed notification. Every time we call we seem to get different information. They have frozen the account and we can not even pay our XXXX bills. I have written them another letter explaining in detail everything that has happened. No response. We are a retired couple living on our Social Security and this {$3000.00} represents almost two months income.
Consumer complaint received 2023-01-03
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: Ridge & Valley Realty, Inc. (NE)

XXXX will not delete a Medical Collection that has been paid to the Original Creditor ( see attached pdfs ), in which XXXX has been notified and the tradeline disputed numerous times, the Original Creditor has been notified, and the XXXX XXXX has been notified. This is in direct violation of HIPAA as the XXXX XXXX has no need for my information or to be reporting a Collection now that the Original Creditor was paid in full. This is now also in violation of the new rule that unpaid Medical Collections of less than {$500.00} will not be reported on Credit Reports starting XX/XX/, 2023. This needs to be deleted immediately and all parties fined and also they need to compensate me for all my time and effort in fighting this tradeline that should have been deleted months and months ago.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2019 I was alerted through my credit monitoring programs that my credit score had dropped significantly. When I went to check on the reason I discovered that my {$3000.00} XXXX XXXX XXXX card limit had decreased by {$2300.00} making it only a {$700.00}. This in turn jumped my debt to limit ratio to 97 % ( I owe {$660.00} ) which caused my score to drop over 40pts. I  accessed my online account for the card and saw nothing indicating a change. I opened my statements and saw it was still showing {$3000.00}. When I contacted the card company they said that on XX/XX/2019 they changed the limit and then on XX/XX/XXXX, sent a letter. The claim was that they occasionally receive information from the credit bureaus and then make changes without notifying their customers based on that information. When they were asked to fix the problem, I was informed that I would have to go through a full credit limit increase application allowing them to pull and place an inquiry on my credit report which is now 40pts lower due to their changes so now I won't qualify. XXXX
Consumer complaint received 2022-09-02
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2019-02-01
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. (AZ)

In early XX/XX/XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX  on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

Trans Union is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX is reporting hard inquiries without a permissible purpose for XXXX   ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
Consumer complaint received 2019-02-01
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: SYNCHRONY FINANCIAL (GA)

In regards to XXXX I called talked to someone at Sychrony Bank and they stated they did not need any additional information from me. 

I just want my record to reflect that I am seeking damages per : The Fair and Accurate Credit Transactions Act of 2003 ( FACT ) CFPB please document this as I will use my previously file cases as evidence of the violation. 

Thank you
Consumer complaint received 2024-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (CA)

THE LOAN SERVICER PUT ME ( UNVOLUNTARILY ) ONTO AN IMPOUND PROGRAM AFTER I INVOKED THE CARES ACT TO GO INTO FORBEARANCE. AFTER FORBEARANCE, THEY FORCED ME TO HAVE AN ESCROW ACCOUNT. 

THE ESCROW ACCOUNT CALCULATED THE PROPERTY TAXES WRONG. ALMOST DOUBLE. THEY CLAIMED TO HAVE MADE A PAYMENT IN XX/XX/year> TO THE XXXX XXXX XXXX TAX ASSESSOR ON MY BEHALF BUT UPON CONTACTING XXXX XXXX, THEY NEVER RECEIVED ANY PAYMENTS. 

ALL THE TIME, I HAVE BEEN PAYING MY PROPERTY TAXES ON MY OWN. I NOTIFIED THE LOAN SERVICER OF THIS MISTAKE AND THAT IT IS CAUSING ME UNDUE HARDSHIP BUT THEY DONT CARE. THEY HAVE NOT DONE ANYTHING DESPITE OVERCHARGING ME ALMOST DOUBLE ( MY TAXES ARE ROUGHLY XXXX EVERY SIX MONTH ; THEY ARE CHARGING XXXX EVERY SIX MONTHS ). 

THIS IS A BLATANT DISREGARD FOR ANY LENDING RULES. ALL THE PAYMENTS FROM XXXX XXXX XXXX FOR MY PROPERTY TAXES WERE MADE BY ME. NOT MY LOAN SERVICER.
Consumer complaint received 2019-02-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (VA)

Company making repeated harassing calls to my business ( XXXX XXXX XXXX, XXXX. ) after being told calls are to wrong person. Speakers allege they are calling on behalf of U S Department of Education. Callers demand personal identifying information and state they will continue to call until I disclose such information to them. Also spoke to Supervisor and asked that calls cease.
Consumer complaint received 2019-02-01
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. (NY)

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (CA)

A little over a month ago I opened an account at first Tech Federal credit Union about three weeks after opening the account I deposited a large check in the amount of {$21000.00} in my checking account before making this deposit I verified with a customer service representative from first Tech Federal credit Union if it was OK for me to make this deposit I was instructed that the hold would be seven days for the check, Immediately after making is the deposit I was restricted from my account and a very vague letter was sent to me that the hold would be for 60 to 90 days with absolutely no reason provided other than account Was restricted for activity which is a very vague explanation and absolutely no other reason provided. I have tried to contact the department the placed this hold However all my attempts have had negative results they do not except incoming calls the department that placed the hold.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2019, I paid {$1600.00} on my card ending in XXXX. That was OVER half of the balance due. In a effort to decrease my debt to income ratio. I was shocked when on XX/XX/2019, I saw on my credit report that my credit limit was decreased {$1500.00}! To be clear, the credit limit decrease hit my credit report BEFORE the debt decrease has even hit my credit report. But that's not even the issue, I want my credit limit raised back to what it was. Clearly, I have the means to pay ( and has always paid ) and I feel betrayed by Synchrony that I can pay you all a lump sum and you all would decrease my limit in the same month so now I am back to where I started, with a high balance card with only {$46.00} to spend. If this complaint does not lead to my limit increased, I will simply cancel not only this card that I have with Synchrony but I will also cancel ALL of the cards I have with Synchrony ( I have at least 3, which I use all of the time ). I'm FED up and feel as if I wasted {$1600.00} and also my hard work has been wasted as well. If I knew I would have ended up with a high balance card anyways, I would have just paid the minimum balance and used that {$1600.00} to pay off other cards/bills.