davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I currently have an open credit card with Kohls. This account has been opened since the year of XX/XX/XXXX. I have never opened a kohls credit card. I called the kohls credit department and gave all my information based on whats on my credit information and they cant find anything listed under my name and cant find anything listed with my social security number. I filled a dispute and nothing has been taken care of. This is very concerning and I want this matter to be taken care of immediately please.
Consumer complaint received 2019-07-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Financial Services, LLC (TX)

The debt collection company ( Action Financial Services ) is masking/spoofing their phone number on caller ID to match my employer 's phone number, complete with area code. Calls are made repetitively through the day. The starred items in the attached jpeg illustrate calls made by Action Financial Services masked as my office number.
Consumer complaint received 2023-06-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WI)

My brother attempted to send me {$400.00} via CashApp on XX/XX/2023. He sent the money to an obsolete account that I no longer have access to. Despite several attempts, CashApp refuses to either transfer the money to my current account, or refund it to my brother- the original sender. I have provided CashApp with ample information to verify my identity, but they are also asking for my old phone numbers and debit card numbers that I no longer remember. I'm XXXX and my memory isn't what it used to be. When I replace a debit card, I destroy the old one. To me, keeping money that doesn't belong to you constitutes theft, over the internet wire fraud, and since my brother and I are both older than XXXX, XXXX fraud. CashApp 's case number is XXXX and the XXXX XXXX is XXXX XXXXXXXX
Consumer complaint received 2023-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

I have attempted to pay off my escrow shortage for 8 months. On XX/XX/2023 my conversation with the representative advised me of the balance of the escrow shortage of $ XXXX, which was paid off and a new mortgage payment was recalculated. I adjusted my new auto pay to reflect this amount plus an additional amount t be applied to my principal. After paying off the shortage and adjusting my payment tit reflect the new amount the representative gave me, I have recevied several emails stating they did not apply my payment due to a shortage in my payment. Since then, I have called the mortgage company 7 times because they never adjusted my payment, did not apply my payments appropriately and have not corrected the escrow shortage that was paid off. I have left 4 messages with the head of the department to clear this up and I have not received one phone call back. I just sent a certified letter to the financial institution on XX/XX/2023 asking them to resolve this and to contact me. This has been extremely frustrating and I am a successful realtor that deals with lenders everyday. I am at my Witts end with BSI Financial.
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance Company put a lien on my car title on a car that I paid for with cash. I have never had a loan with AHFC, but they refuse to remove the lien. An AHFC rep told me I could have the tile cleared through XXXX. I paid {$48.00} to XXXX and received and notarized letter from AFHC clearing the lien, but my title still has a lien from AFHC, and they refuse to clear it. ( For some reason, there is not paper title, just an electronic one. ) I can not sell the vehicle because I can not get my title. AFHC refuses to explain why or how there is a lien on my vehicle. I have asked many times. 

AFHC refuses to work with the Honda dealership for where I purchased the vehicle to remove the lien. AFHC asked my for sales paperwork on a car that I bought nine years ago in anticipation the I would not still have it. I do have it, and I faxed it to them. The paperwork reflects a cash payment in full for the vehicle, but they still refuse to release the lien. 

AFHC likes to play this game where they put you on hold, I guess with the hopes that you will just hang up. Yesterday, my phone show that I was on a call with AFHC for 55 minutes. About 50 minutes of this time was me on hold.
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

XXXX XXXX from FCO debt collectors called me on a shared work phone in the middle of an office full of people and when I told him it was a work phone, refused to stop interrogating me. He told me that I had to call him on my lunch break in order to not endanger my employment. This felt like a threat. I also felt highly embarrassed as everyone in my office could hear the entire conversation. 

Further I have evidence the debt is not valid.
Consumer complaint received 2022-07-10
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)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

To Whom This May Concern : I contacted Moneygram on XX/XX/XXXX to transfer transaction # XXXX, from a XX/XX/XXXX request of {$100.00} for XXXX XXXX from a Georgia pickup to a Florida state pickup. Moneygram advised me that they were unable to transfer a transaction state to state and that I had to submit a new Moneygram. 

I did and that transaction # XXXX was submitted for another {$100.00} to XXXX XXXX for a Florida pickup. He did pick that transaction up with no problems. 

Moneygram advised me that transaction # XXXX had to be canceled and it would be refunded back to my account within 3-10 business days. I contacted them after 10 business days and was advise it could take up to 30 days. 

After 30 days, I contacted my bank XXXX XXXX XXXX, to submit this claim. To date, Moneygram has yet to refund me the {$100.00}. XXXX did replace my {$100.00} in my account back in XX/XX/XXXX ( as you can see on the attached forms ) and after receiving documents from Moneygram stating that my son had picked up the monies, XXXX sided with Moneygram on this claim. TO BE CLEAR, TRANSACTION XXXX WAS NOT EVER COLLECTED AND I HAVE NOT BEEN REFUNDED MY MONEY AND IT IS NOW XXXX. ( XX/XX/XXXX ). 

After speaking with the XXXX claim agent on XX/XX/XXXX maybe XXXX filed a claim on the wrong transaction. So with this document and the ones attached, prayerfully we should not have anymore miscommunication. 

Now when I contact Moneygram on today XX/XX/XXXX, they are saying that they refunded my money on the same day ( XX/XX/XXXX ) that the transaction was canceled, how is that possible, when their policy clearly states 3-10 business days. 

Please help, this company keeps stating that they refunded my funds and they did not. 

Thanks, XXXX XXXX
Consumer complaint received 2023-06-23
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. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-03-07
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: Colony Brands, Inc. (AR)

I HAVE DUPLICATE HARD PULLS ON XXXX  1 AUTHORIZED THE OTHER ONE NOT DELETE XXXX XXXX XX/XX/XXXX, DUPLICATE XXXX XX/XX/XXXX DELETE XX/XX/XXXX AND GINNY ON XX/XX/XXXX.
Consumer complaint received 2019-01-02
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: CITIBANK, N.A. (GA)

t was happened at XXXX. XXXX XXXX ( office ) on XX/XX/2018, the first time, I used the XXXX signature visa card to pay the amount of {$5500.00} and it was declined, then, the merchant asked me to use other credit card, I said, I may be change mind, I held the citi visa card, he took it then charged it. I got home and checked my acct, the amount was on there and was pending status. I called to the citi billing disputes dept on XXXX, I got a case confirmation # XXXX. Later, I faxed all documentation to the citi when they requested. I called back to the citi on XXXX, they told me, the case is still continue to processing now, and will remove that amount from my acct. Now, I received the new message from the citi on XXXX, the amount of {$5500.00} back to my acct. I am requesting to resolve this issue.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hello I would like to submit a complaint against XXXX for the mismanagement of my funds I have sent them several emails that my cryptocurrency is frozen with the issue " verification is still processing, check back in a couple of minuets '' this has been like this for 4 weeks since the XXXX of XXXX I have received one email from them about the complaint and they have replied that the closed the ticket and it has been sorted when in fact it has not.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

Three different mortgage lenders cant get my Equifax credit report when they ran my credit. They received XXXX and XXXX just not Equifax.
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX my XXXX credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXXThey must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

We are in the middle of a short sale review with Wells Fargo, the mortgage servicer when suddenly, a foreclosure date was assigned on the house as recent as last week. We already sent over all the pertinent documents as of XX/XX/18 and had been working directly with the short sale negotiator as of XX/XX/18. Wells Fargo did not order a full interior value and only ordered the exterior value which came back highly inflated from actual market values of the local neighborhood. Without the interior value, the Investor of the loan does not have an accurate picture of the house 's condition. We were told to submit a value dispute packet in order to re-review the file if an interior value request would be acceptable. We submitted the value dispute immediately at the same time that the Homeowner received a foreclosure notice. When we requested that Wells Fargo postpone the foreclosure date since we are in the middle of a short sale review. Wells Fargo is refusing to postpone the foreclosure date, despite knowing that a value dispute review itself could take up to 15 business days to complete and not to mention, the amount of time it takes to go through a counter offer phase and then, approval.
Consumer complaint received 2023-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VT)

On XX/XX/XXXX and XX/XX/XXXX I submitted pslf forms seeking certification and forgiveness under pslf. I was denied because MOHELA didn't certify the payments as per one of my forms. I called and the process was put under review on XX/XX/XXXX. I looked recently and the review process was " cancelled '' without any other information. 

This is absurd. My loans should already be forgiven because I have certified more than 120 payments while employed for a nonprofit. This should have been completed months ago.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-01-26
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. (GA)

Ive contacted Equifax XXXX and XXXX several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. XXXX XXXX and Equifax has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.
Consumer complaint received 2021-03-07
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Ascendium Education Group (NC)

I have tried contacting both agencies but XXXX XXXX would not speak to me at all they kept placing me on hold and transferring me. Now I have a company named XXXX XXXX XXXX, formerly XXXX XXXX XXXX calling stating they are going to garnish my wages. My loans are in deferred payment status til XX/XX/2019 because I am presently in school. The strange thing is the amounts are almost identical and I know I have been to school for almost 75,000 dollars. I am trying to get financial assistance now because I'm in school and can't because it has me in default.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

buy a subscription for XXXX total XXXX of [ TransUnion Report, Score, and 3-Bureau Credit Monitoring ] . This is stated on the invoice. This means that I will have access to all credit bureaus for this payment. 

transunion Your receipt from TransUnion ( Order # XXXX ) did not provide me the service of being able to see the 3 credit bureaus. He did not give me the option for which I pay and the evidence is on the invoice. in this case they cheated me by buying this subscription.

After making the purchase I go to the option to see the 3 credit bureaus and monitor them and they charge me XXXX dollars again. The subscription is a lie. the invoice that I pay says exactly what I paid and the service that they should give me. It was not like that and I did not receive any service. Now to be able to see the XXXX credit bureaus I have to pay XXXX dollars again.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (FL)

I would have to say that in my opinion congress should shut down XXXX as a lesson to correctly following the law. 

I have been a victim of fraud and identity theft along with their XX/XX/2017 Security Breach scandal. Three of the top Executives waited three days to inform the American People. In the meantime they sell their investments underhandedly eventually caused the CEO to resign to avoid Jail time.

XXXX takes the Fraudulent disputing process extremely lightly, even though I was one of those millions of victimized consumers.

XXXX is currently in violation of the FCRA 605 B after sending FCT and Police reports I still have inquiries reporting fraudulent.