davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (KY)

{$500.00} was taken from my locked cashapp account on XX/XX/23 due to fraud through XXXX XXXX, XXXX XXXX  wants cashapp to submit a charge back so they can send the money, I have called cashapp several times been on hold for hours only to be told that my dispute is denied and not only can they not refund but not even communicate with XXXX XXXX XXXX in any way to try to find a resolution
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/2022 I redeemed XXXX points for a statement credit in which I was supposed to receive within 4 days, I never received it. I called customer service 10 days later XXXX and they said it can take up to 10 days to be credited to my account, so I waited, still no credit. Next, I called customer service yesterday XX/XX/2022 and they said it would be credited on my payment due date, which is XX/XX/2022. Now that doesn't do me any good since I wanted it to be credited before my payment due date so I could pay off my account and keep it open. 
So, since they are playing games, I already messaged XXXX XXXX, which is covered by Comenity Bank, and asked them to close my account. And like wise I will also close this account, XXXX XXXX XXXX XXXX XXXX, in which I have had for XXXX years in great standing, once they credit it, and I pay off the remaining balance. 
Thank you very much and please stay safe. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a complaint in XX/XX/XXXX. In regard to my Credit Protection Disability Insurance Plan cancel by Capital One. 

I am writing to appeal the decision of my claim # XXXX, the date of service XX/XX/XXXX. This in regards to the Capital One cancel my plan. Capita One need to correct/ reinstate my protection plan. It was my understanding when I call to activate the Insurance Plan it was cancel by Capital One without my knowledge. Furthermore, due to my research Capital One decided, to start cancellation on their preexisting client in XX/XX/XXXX. I did not receive notification of any cancellation. Apparently, this need to be resolve and corrected. I respectfully ask you to reprocess my complaint to find a resolution regarding this matter. 

Secondly, I did receive a reply for Capital One, in XX/XX/XXXX, they did not address the issues in regards to my Protection Plan being cancel. Only to stated that they found all charges on my Credit Card to be correct. My complaint was not related to charges made. My complaint was due to cancellation of my Credit Card Disability Plan Insurance. I needed to activate plan, due to my unexpected Medical Health Issues that cause me to be terminated. Thank your for your reconsideration.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Modlin Slinsky, P.A. (FL)

On XX/XX/XXXX an agreement was made to settle an account with XXXX XXXX through their counsel XXXX and XXXX, XXXX 12 payments have been made in accordance to the agreement, however, credit reporting continues to show no payments being received and an account in Charge Off Status month after month. 
I've called XXXX and XXXX who refers me to an XXXX # at XXXX for credit reporting, the ability to speak with the attorney is not allowed nor is leaving a message. The representatives at XXXX state that stipulation agreement and reporting are handled by their attorneys which sends me back to XXXX and XXXX who confirms the need to work with XXXX and this continues in this manner. 
In desperation, I've begun to with hold payments ( XXXX and XX/XX/XXXX ) until which time I can confirm that they are being received and applied to the correct account. XXXX XXXX continues to push the XXXX # in response to communication from my attorney. I call again today just to be sure-XXXX refers me to XXXX XXXX. 
A dispute was filed through XXXX XXXX which resulted in the entire file being removed from my profile, there is no further ability to correct this because there is no file to correct. This is per XXXX XXXX representatives during a phone call where I was trying to determine next steps. 
A dispute was filed through XXXX, 3 in total. The first two disputes resulted in a confirmation of the incorrect information that was already in the file by XXXX. The third dispute resulted in a decrease of the account balance to an amount that is not consistent with the current agreement and still reflects no payments received and a Charge Off status. 
All I am asking is for the correct information to be reflected in my profile. If either the attorney for XXXX or XXXX 's credit reporting hotline would respond to my calls, we may have been able to resolve this problem. The refusal to communicate and work towards a solution has brought me to the CFPB for help.
Consumer complaint received 2018-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MN)

I wish to be identified as someone who has been harmed by the management practices of Navient. Many times, it was suggested to place my account in forbearance - they did not explain that forbearance would run out and that it would negatively affect my credit rating. When they placed my account in forbearance they would make it effective the day after my payment due date to ensure that my credit rating showed I was late paying. I have tried to ask Navient multiple times to take care of the fraudulent credit reporting and they have refused. This has affected my ability to get loans and employment. Overall, Navient 's responsibility to inform their customers on the loan repayment process is terrible.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened business checking account under promotion to receive {$200.00} after making {$1000.00} in deposit. I opened the account on XX/XX/2017 and have had {$3000.00} balance in the account for the last 3.5 months. I have called BOA multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I had been a loyal customer to BOA, and is very frustrated with the way they are treating their customers.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I purchased a PayPal prepaid XXXX Debit card at XXXX. I added {$500.00} to this card at the register when I purchased it. When I got home and tried to activate it I was told the card could not be activated because it is " unbound '' and to talk to XXXX because something went wrong there. XXXX said everything was done properly on their end, which was expected because I have a receipt. XXXX called the card issuer. The rep for the card issuer, PayPal was rude to me and the XXXX staff and hung up on us multiple times. It took about 3 hours for the manager at XXXX to reach someone at PayPal who said he would help. Multiple companies including PayPal, XXXX, XXXX and XXXX are all involved in this transaction, yet no one will take responsibility to resolve this and return my missing funds. I'm out {$500.00} and I'm holding an inactive card. A person named XXXX at NetSpend said that if I emailed my receipt, identification and card that I would be refunded. But he had another agent call me who said they would mail me a card and it would take a week. I bought this card for a road trip and I'm leaving tomorrow I can not wait a week. PayPal is the leading company for electronic money transfers yet they refuse to transfer the funds back to the XXXX XXXX card that I used to make the purchase. The agent hung up on me.
Consumer complaint received 2022-05-03
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. (FL)

identify you and your account. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number 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 2019-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

I called XXXX XXXX  XXXX XXXX and I spoke to their representative and I told the representative that I had never applied for Water Service and that I had never lived at the service address.

The representative told me that it would be removed. I checked my credit report and low and behold XXXX XXXX XXXX XXXX had sold the bill to a debt collector. 

This is not my bill I never lived at the service address.
Consumer complaint received 2019-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (MA)

There is a debt in collections on my credit report since 2013 I have no idea what it is or what it's for but the amount goes up a dollar every 7 days that passes I have tried to dispute it but I've got nothing I really need this removed off my credit report it is really hurting ability to build my credit. The amount is XXXX since XX/XX/2013 I am really confused on what its for
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I recently looked over my credit report and found a lot of unauthorized inquiries that I did not authorize. I contacted TransUnion and tried to get them removed, but they did not remove them. I tried to explain, that if they looked at the dates you can clearly see that someone has breached my personal information. The pattern of dates shows that someone was trying their best to get something in my name. Some of these inquiries are even tied to open accounts and I'm left fighting these companies trying to get these negative items and inquiries removed. 
These are the unauthorized inquiries : XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX DELAWARE XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/18, I spent nearly an hour on the phone with TransUnion trying to get my credit report freeze temporarily lifted so that I could apply for a XXXX credit card. I first tried TransUnion 's web site and was unable to find a link to unfreeze my report. All I could do was order a credit report. So I tried the phone number that XXXX  had on its letter ( XXXX, a number XXXX  said had been specified by TransUnion ), which led to another dead end ( after being forced to listen to ad after ad after ad ) and a disconnect. I tried again. Same thing : long wait then disconnect. So I found another number, XXXX, which, after again being forced to listen to ads, NEVER gave me the option leading to a credit freeze lift. I tried that twice. Finally, I tried XXXX and eventually found a real person. ( I wont even complain about the terrible connection and hard-to-understand accent. ) TransUnion then charged me {$5.00} to temporarily lift the freeze.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/XXXX the following items were sent to XXXX : 1 ) XXXX XXXX XXXX  ) XXXX  3 ) Utility Bills 4 ) Taxes XXXX XXXX ) Annuity Income Statement. ( All attached here. ) They were sent via 4 separate ways : two fax numbers XXXX XXXX & XXXX ) and to two separate email addresses which included the assigned negotiator ( XXXX XXXX XXXX ). 


XXXX and its employees never attached the documents to the file. We have called multiple times and had it escalated XXXX multiple times ) to be attached immediately, but AFTER THREE WEEKS XXXX STILL HAS DONE NOTHING ON THIS FILE. 


This is not acceptable. XXXX is violating their servicing guidelines and this is causing harm to their investor and the borrower. I want the documents attached to the file immediately and for XXXX to continue their review with no further delays.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credence Resource Management, LLC (CA)

This phone number as well as sister numbers as XXXX and XXXX that are continuously calling me. I have told them to stop and not to call me I have tried blocking them but they are still calling me. They are saying they are a business called Credence Resource management. I've razed reviews and everyone is identifying them as scammers. I have told them repeatedly that I know they are scammers and that they need to stop harassing me. I have informed the federal trade commission and filed a complaint with them as well.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (LA)

After working unsuccessfully with my mortgage company, GMFS, to resolve an unexpected increase on my monthly bill, I filed a complaint with the CFPB. The response from the Chief Compliance Officer at GMFS was inaccurate. When I called SXXXX XXXX XXXX, the GMFS partner servicing my loan, to try and resolve the issue that way, I was provided with more completely inaccurate information.

1 ) In the attached response from GMFS Chief Compliance Officer, a monthly increase of {$270.00} is noted. The actual monthly increase is {$470.00}. The previous monthly billing statements were for {$1200.00}. The attached billing statement provided to me via CFPB complaint response is for {$1700.00}.

Further, when I called XXXX XXXX XXXX to inquire, today they told me over the phone that my XX/XX/XXXX statement is for {$1200.00}.

2 ) My local property taxes have increased by {$1000.00} annually. Even with a XX/XX/XXXX escrow shortfall of {$600.00} and XX/XX/XXXX escrow projections to account for the {$1000.00} increase, that should not equal {$470.00} per month for 12 months.

3 ) The attached CFPB complaint response letter shows an increase in my mortgage insurance. I have repeatedly requested -- in writing and via telephone -- for documentation from GMFS and XXXX XXXX XXXX  showing why mortgage insurance is required. This loan closed previous toXX/XX/XXXX I have greater than 22 % equity in my home, and all payments have been made on time. I do not believe GMFS should be charging me mortgage insurance at all, and would definitely want documentation to substantiate an increase.
Consumer complaint received 2019-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XXXX the XXXX my son XXXX XXXX sent me XXXX dollar through XXXX. XXXX initially said the funds would be available on the 3rd day. On the 3rd day XXXX sent me an email and said that there was a problem with the transaction and that I needed to send them a copy of my ID. After they received a copy of my ID I received an email that said that my account had been permanently XXXX. They said the money would be returned to my son. However the money was never returned to my son account. XXXX has refused to give me any information since they said my account has been XXXX. When my son calls they say that he can't speak to anyone and has to send an email and it will be returned in 24 hours. They have yet to respond. When I go on their XXXX  page it shows that this has happened to multiple people and they haven't returned the money. All the while they refuse to give any reason for not completing the transaction or while my account was XXXX. I have NO criminal record. It seems to me that XXXX is allowing large transaction to go through and then don't complete the transaction and keeps the individuals money or at the very least hold on to it for months. They are hiding behind Privacy policy so they don't have to give explanation for taking the money and refuse to respond to people .I do feel that it is a scam they are using
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

There were over 60 unauthorized XXXX  purchases made by my XXXX year old son for digital in game currency and items through the XXXX XXXX. These were not authorized transactions. My son figured out the password and proceeded to impulse buy. Some purchases were upwards of {$400.00}. Since I found out, I deleted the games off my wife 's XXXX and reached out to XXXX and Chase. The total purchases amount to around {$5200.00}. Both XXXX and Chase have declined to reimburse the charges even though I informed both they were unauthorized charges made by my XXXX year old son. The total amount of {$5200.00} is staggering to say the least and it is unfair business practice for neither XXXX nor Chase to notify my of such unusual account activity. I have attached the following correspondents.
Consumer complaint received 2019-10-06
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)

XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted TransUnion, XXXX, and XXXX XXXX.