davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (OH)

Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a XXXX negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the XXXX account. 
Response from XXXX : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the XXXX account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from American Coradius International LLC claiming to represent Creditor : XXXX XXXX XXXX Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: South East Collection Specialist (CT)

On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of XXXX XXXX XXXX. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I made a purchase from XXXX, in the amount of {$56.00}, using my cashapp card on XX/XX/2023. However the order was never received and I was fully refunded the purchase price to my cashapp account on the same day. Today ( XXXX XXXX ) my cashapp account was charged {$56.00} for a XXXX order from XX/XX/2023, which I provided visible proof to the Cashapp agent showing where I was charged and refunded and yet charged again to my account. I was sent a statement which shows exactly what I mentioned but have issues receiving the appropriate funds returned from the cashapp team after visibly showing the mistake made on Cashapp 's side.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I sent a dispute letter via certified mail to the collection company ( Credit Control Corp ) on XX/XX/2021. Under the Fair Credit Reporting Act, the creditors have 30 days to respond to my request or remove from the credit bureaus. Credit Control Corp has not validated all inquired debts but reports the same accounts ( double reporting ) to all three credit bureaus XXXX, XXXX and XXXX for the months of XXXX, XXXX and XX/XX/2021. This has damage my credit score and worthiness, blocking the ability to apply for housing. Please advise.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

This is about Credit Karma. They have seized/locked my account and illegally taken my money without warning or explanation. I have called several times and sent many emails, all to no avail. 

I have been using Credit Karma since XXXX of this year when XXXX XXXX offered them as a way to receive our tax returns refunds. We received the tax refunds, and now, also have started receiving the Stimulus Child Tax Credits as well. 

I am also using this account to make regular payments and also receive part of my wages. 

Then out of nowhere, on XX/XX/XXXX, last week, I realized that all my payments were being rejected and nothing was going through with my Credit Karma debit card. 

I called them the next day, XX/XX/XXXX and tried to find out what was going on. I was told by the customer service rep who answered the call that she didn't and couldn't tell me anything but that somebody will look into it and contact me again. 

I received an email the next day requesting my ID which I immediately photocopied and sent both mine and my wife 's. 

Since then, it's just been series of emails and they still have my accounts and funds locked. My wages were not able to deposit and had to be returned and I'm still making arrangements to be able to receive my pay. 

This situation has is causing not just embarrassments, but trauma and having to go without money for all this while.
Consumer complaint received 2024-02-13
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. (NC)

I AM LIVING SO PLEASE DONT CLOSED OUT THIS COMPLAINT WITHOUT SENDING ME VERIFICATION AND A RESOULUTION. 

15 USC 1681 ( I ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

The doctor charged the wrong health insurance company. Correct information was provided but the doctor 's office never followed up and instead, turned it into collections. Debt is now to old to file with the correct health insurance company. In the mean time, the collection is showing up on my credit record and causing credit problems.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NV)

I was given an offer for XXXX XXXX  points if I spent XXXX $ in the first three months of account opening. We received our card and spent the pre-requisite XXXX $ but never received our promotional offer. We tried to contact Chase multiple times to resolve this issue. The first time we called was 3 months after account opening, after which we were told we would receive our promotion in a week or so. That time passed so we called again and were told the same thing. After waiting 5 months after account opening and not receiving our promotion, we called back and had chase submit a form to their marketing and promotions team to honor our offer. After a couple weeks, Chase sent us a letter saying we were never eligible for the offer which is a mistake or a lie. I told them I have a picture of the credit card promotion that was offered to me and I submitted the picture as proof. After a few weeks of reviewing the picture, Chase still denied to give me the promotion that was offered.

I have exhausted all avenues and months of time/effort in getting this resolved through the credit card company but they refuse to honor their promotional offer. I feel as if I have been the victim of a predatory loan and false advertising. I told them I will be exercising my right to withhold payment until this dispute is settled. I have attached a picture of the promotion I applied for.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

So I was told by the XXXX, XXXX, Transunion, and XXXX that they have verified a public record on my credit report. XXXX, Transunion, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and XXXX on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (MS)

I'm writing because I noticed XXXX reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and Equifax credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from XXXX. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with XXXX  practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I opened my account online with Chase on XX/XX/XXXX of this year. Chase sent me two emails one indicating I was still eligible for my direct deposit bonus which I had direct deposit setup but had to cancel prior to the first deposit since they had sent me a letter stating they can't verify who I am. This letter was received two days ago on XX/XX/XXXX of this year. I had {$100.00} transferred from another account into my Chase account, when I attempted to withdraw the funds is the card was active and there was no problem obtaining balance information, when I called customer service they indicated that there's fraud on my account and I have to drive to XXXX XXXX XXXXXXXX to a local branch to give them my ID. My issue is two things first I was never asked nor ever sent an email phone call text anything asking me for proof of my address or proof of who I am I have at least three or four pieces of information that could identify my address as well as my person this was never requested. Now the problem is Chase accepted my deposit and they're refusing to disperse my funds I indicated to the representative it's a legal to hold somebody's funds if they don't have an account with you it's not interest bearing and you guys are collecting interest on it that is against the law. She put me on hold to see what she can do and after 20 minutes my lunch was over I didn't have enough time to sit and wait for them for an hour. So it's a twofold my direct deposit was to be set up and I was to receive a {$220.00} bonus upon the first direct deposit. The {$100.00} deposit was received and credited yet they're holding that for ransom, please help.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Hi guys hope everything goes well! 
i have some problems with PayPal and this kind of problems happened every time i have such a big amount in my PayPal account! 
and this problem happened to me again in the XXXX of XXXX they send me email said that i wont be able to access to my account or withdraw my funds until 30 days of the limitation Email! now its more than30 days so i contact them they said they have the right to stole my money and i wont be able to have it until 180 days although they said in the Email i will have the money in only 30 days!
Consumer complaint received 2019-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

My private loan has been sold multiple times. I called in XX/XX/2018 to complain about how my loan has been handled and transfered to Heartland ECSI. My XX/XX/XXXX statement came and they are trying to charge me 29.169 %. It should never be this high. It is theft. No one is answering the phone and i can not get any information on my loan. I am very mad. Plus i have had this loan for so long and always made payments ontime. It is so unfair. My XX/XX/XXXX payment went all to interest because they are screwing around with my interest rate. I DID NOT pick this company. My loan was sold to them.They stole my money in XX/XX/XXXX when i made a payment. this is illegal.
Consumer complaint received 2022-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OR)

Dear senior CFPB officials ; My input on junk fees associated with award year XXXX student loan charges, mandatory back charges by lenders and banks called 'consolidation ' but these do not make one loan, it's just unexplained, multiple one-time fees imposed on students who hold a student loan and have the loans transferred under the power of the student loan lender and not by student request, in fact, these changes and charges are against my will. Initial charges were unclear, I have paid over 8 % interest on what should have been subsidized loans due to the involuntary, multiple initial loan amounts, subsequent consolidations and loan transfers. 

Unexpected loan amounts and thousands in fees for mandatory, involuntarily imposed loan transfers and consolidations which are changes adding fees that seemed too high ; and fees where it was unclear why they were charged. 

If this was a well-regulated, well-supervised banking industry, the most competitive in the world, then why am I locked into indentured servitude with a 47 year repayment plan? As a consumer, I never was able to benefit from the ability choose how the bank was lending to the school to meet their tuition needs. I was left in the dark about the amounts charged, {$10000.00} for a diploma mill ( not a real school with an XXXX XXXX ) and not aware I was being ripped off due to the non-cooperative nature of the lender, and the school being insolvent at the time of the enrollment and then disappeared after the State of California 's involuntary Administrative Dissolution. 

It's also somewhat unclear as to how effectively you at the CFPB will help regulate the fees that student lenders charge initially and the consolidation abuses that follow it and increase the principals without the knowledge or consent of the student debtor. Let my public input will you to try to better enforce efforts to free me. I have been a federal employee for 13 years. I have paid over XXXX, made at least XXXX payments, with XXXX of those being during federal employment which began 2008 and continues today. Not only did a fake school rip me off to begin with, leaving me at minimum wage, but the 8 % interest, compounding fees for multiple consolidations assigning thousands more to the principal, I have been wronged and deserve this to be heard and for policy to change for bad schools that lock kind people into bad loans, and the federal policies that increase the principal of them. 

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Consumer complaint received 2022-12-01
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. (CA)

Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone. 
Thier actions are illegal.
Consumer complaint received 2022-01-26
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. (AZ)

VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone.

Thier actions are illegal.
Consumer complaint received 2024-02-12
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. (GA)

I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX and XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

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 XXXXXXXX Contact Number : ( XXXX ) XXXX These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.
Consumer complaint received 2021-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WASHINGTON FEDERAL BANK (CA)

I applied to WaFD for a HELOC on an investment property. A branch manager verbally confirmed to me on XX/XX/XXXX that WaFD makes such loans, and these are clearly advertised on the web site here : XXXX XXXX XXXX However, after submitting all relevant information for underwriting and paying for an appraisal, my application was denied. The reasons stated on their denial letter were : " We do not grant credit to any application on the terms and conditions you have requested '' and " Second lien on Investment HELOC behind another lender '' This denial appears to say that the bank does not offer HELOCs on investment properties. I pointed out the discrepancy between WaFD 's verbal communication and online advertising and the result of my application. When I insisted on a more thorough explanation, the branch manager insisted " Yes, we offer HELOC loans. We do not however offer them under the terms you have requested. '' The branch manager refused to provide further information on what the terms I supposedly requested are, or what terms would be acceptable. I have requested clarification on this point multiple ways and received the same vague responses.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have constantly been sending out letters regarding my charge off accounts. XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. The charge off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, I have the to an accurate credit report.