davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JH Portfolio Debt Equities, LLC (NC)

This number calls all times of the day. I answer and they go into this script that I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I've tried to tell them I do not know anything about this debt and to remove it.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

Since I 've already paid into the process of the inspection, the refinance office has been especially slow in answering questions I have to get my loan processed. They have at times made me wait 48 hours ( possibly longer as I 'm still waiting ) for an answer to valid applicable questions.
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: The LGM Co., Inc. (OH)

XXXX XXXX XXXX XXXX secured me a loan thru LGM auto finance to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was given 2 different 30 day tags from XXXX XXXX XXXX because I could not get tags thru the ohio XXXX since the car I purchased still had not been registered with the state of ohio. Even tho it is suppose to be within 45 days I believe. I continued to male payments and try to work out tghe problem because I wanted the car. After making payments for about 6 months and not driving the car for about 4 months ( because the car was still not registered and I could not get tags ), I informed LGM I would no longer be making payments for the car until I could get tags and to discontinue automatic debit of my payments. LGM then ran {$100.00} dollar payments thru my checking account until they were unable to. Lgm then ran {$50.00} payments thru my checking account until they were unable to. After they were done running payments, I had {$3.00} and some change left in my account. I contacted my bank and stopped them from accessing my account again but could not recover the money. I had no money. Could not use my car. And eventually had to file bankruptcy to get out of the car loan. After the bankruptcy was discharged, the car was eventually repossessed. Since it has been repossessed on XX/XX/XXXX, my personal property inside the vehicle has been held for ransom. I have contacted LGM and XXXX XXXX multiple times to recover my property. Neither company will return my property unless I pay them {$50.00}. On XX/XX/XXXX I was sent an email from XXXX XXXX stating I have to pay {$50.00} for my personal items for storage. I contacted XXXX on XX/XX/XXXX, the same day the car was repossessed to pick up my items. I was told that day ( XX/XX/XXXX ) I had to pay {$50.00} to get my things. If I was allowed to retrieve my items on XX/XX/XXXX, there would have been no need for storage or a storage fee but I was denied access to my personal property.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with   XXXX   ( formerly  XXXX   XXXX   ).   Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Consumer complaint received 2017-08-29
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. (GA)

I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Sent them a certified letter XXXX/XXXX/2014 requesting for " verification of account '', prove the statue of limitations has not expired, licensed to collect in California, and documents proving that I have signed an agreement with them under the rule of " standing ''. Also, improper reporting of this account to the XXXX credit bureaus. 
Never received a reply from them up to now.
Consumer complaint received 2020-01-20
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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKEXX/XX/XXXXTO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (MD)

Discover docked my credit line from {$19000.00} to just {$500.00} with no notice at all, citing the fact that I had balances on credit cards with other companies ( despite the fact that I paid my bills ). I had forgotten to pay a {$38.00} total balance and was a couple of days late on my Discover payment. Once I realized I was late, I paid immediately, but since I rarely use the card I thought I had paid earlier. I found out my credit line was decreased to {$500.00} when I went to make a small business purchase of around {$300.00} and my card was declined. I was given no notice of this, and when I called Discover they said they had mailed me a letter that would take 7-10 business days for me to receive. I had not received it yet. The credit line was decreased one day before I received an email with my statement details ( attached ), noting that I had {$16000.00} in available credit remaining and still I was not notified of this change. I was planning to use my Discover card to help finance supplying my company ( a XXXX ) with stock for an upcoming XXXX show at the end of XXXX. This is no longer an option for me and I find it appalling that Discover was able to reduce my credit line by {$19000.00} overnight with no notice at all. 

In summary : XX/XX/XXXX, 2017 : my credit line was decreased from {$19000.00} to {$500.00} ( no notice provided ) XX/XX/XXXX, 2017 : I receive my statement saying that I have {$16000.00} in available credit remaining XX/XX/XXXX, 2017 : I attempt to make a roughly {$300.00} purchase and my Discover card is declined due to credit limitations XX/XX/XXXX, 2017 : I call Discover to clarify and a service representative tells me there is nothing they can do to adjust my credit limit, and that it will remain at {$500.00} XX/XX/XXXX, 2017 ( after calling rep ) : I receive an email noting that I have a secure message from Discover. The letter is dated XX/XX/XXXX, 2017 and includes the information about my credit line decrease to {$500.00}.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (VA)

I am reaching out today due to cash app and the issue that I accrued I closed my account in XXXX of 2023 due to cash app returning payments of my bills I paid since cash app is considered a cash card it was automatic and a day or two days later Id get a return id call all the places my bills were at and they said it was taken back from cash app, for no reason, leaving me with many issues of return fees adding to my bills, I said I had enough and needed a real bank and called XX/XX/year> to close my account and which I did the man said my account is closed I asked can I can an email to confirm it the agent said since we arent a bank we dont do that, I said okay trusting it then a week ago I receive an email from cash app stating I had XXXX $ or more in stocks and by XX/XX/XXXX a tax form would be ready I never ever opened up stocks I was confused and concerned I called I asked the agent why am I receiving an email from you guys I do not have account anymore and I never owned stocks the agent said he wouldnt disclose my own information to me because my account was locked nor would he unlocked to let me see what they are filing under my social security number and I was extremely shocked due to that my right of information as I didnt open stocks as well as I closed my account and the agent then hung up as I they filed a tax document of fraudulent information of me and put my credit and taxes at risk with the irs and well as not letting me to see my own personal information to see what the placed on my name without me knowing. I would like cash app to explain on why stocks were in my name as I did not open any stocks in my name anywhere nor would I. And to do what is right.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CO)

I've been in contact with Cash App since this has occurred since XX/XX/XXXX. I've heard nothing back from them. They owe me over {$2000.00} at least {$2100.00}. I've called every single day. Maybe 5 times a day just for them to tell me that they can't help me that I need to speak with somebody in chat. I've spoke with people in chat and they told me they could not help me. I need to call. I just keep going back-and-forth with these people and they will not verified me. They are refusing to verify me just so they can keep my money. They won't discuss anything with me. They won't help me whatsoever. I just want my money and I'll close my account. I don't even like Cash App.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

When trying to get one of my free annual credit reports, Transunion asked for my email and telephone number. From what I read on this website, I do not have to provide those. I don't remember having to ever have to do that before and I didn't have to do that for XXXX. I would like my report without having to provide that information. I tried calling XXXX  number but couldn't select options to talk to a person. I've also filled out their contact us form online but they said they won't mail me anything and they didn't ask for my phone or email. Please tell Transunion to remove the email and phone number requirement.
Consumer complaint received 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SD)

On XX/XX/XXXX, Fed Loan Servicing posted a payment of {$10000.00} to my student loan account. The envelope containing this check had a second check in the amount of {$4200.00} in addition to a copy of my billing statement. The {$4200.00} check did not post to my account. On XX/XX/XXXX, I called customer service and talked to a supervisor. I  was told that my check was deposited in a holding account because they did not know where it was to be applied. I was told that the money would be applied to my account and would reflect on XX/XX/XXXX. It is now XX/XX/XXXX and the payment still has not posted to my account. This is a large sum that will pay off my loan. I do not know how to get them to apply the payment. A stop payment is not an option as they have already negotiated the check. Please help!
Consumer complaint received 2017-08-29
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. (CA)

On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (NY)

I deposited a check from my mother for {$600.00} on XX/XX/year>. It is now XX/XX/XXXX and the money is still not in my account. They said a maximum of XXXX business days and it is now been XXXX. I have Spoken to multiple Cash App representatives. And all they can give me is the same robotic response. That vaguely tells me my money is on the way. They have given me a date and time that my money should be deposited three different times now. All have come and passed. When I try pressing for more information All they tell me is that they can not give me more information now. If I press further they just close the chat. I feel like i'm being robbed by the XXXX XXXX itself.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

My account is frozen for no apparent reason. Yet I called cash app they say there was fraudulent activity on my account. They froze my account without my knowledge or alert to check if indeed it was me. They hang up on me and have not explained anything. I deposited a few checks that were in my name don't know if they didn't accept the type of check I deposited but I don't see how that is fraudulent if it's mine. Their actions are fraudulent I feel like the are disregarding my worries
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

*****NOT A DUPLICATE***** Recently I disputed this account on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I DO NOT OWE your company any money. Additonally, I know it is illegal for a collection agency to collect on behalf o  f another one. How can a collection agency extend credit to consumers? They simply CA N'T. Since you ca n't produce a contract between me and LVNV Funding this account need to be deleted from my credit report. You are in violation of bothe the FDCPA and the FCRA. If these listings are not removed from all   XXXX    credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.
**In the US law encyclopedia, American Jurisprudence , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. T   hus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2024-01-25
Product: Credit 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: Block, Inc. (CA)

From XXXX XXXX  through XXXX charges that were to a merchant XXXX XXXX  for a total of {$1300.00} they refunded 2 transaction of {$9.00} because at the time I didn't k ow how to file a claim so only two transactions of that merchant I submitted XXXX XXXX I has submitted all 46 of them. So days later I see they credited my account for two. Then I called and filled directly with a live person. And she said she was going to end the call and finish the dispute when we hang up. Ok si I did. It happened to be they were all denied cause I belive of the amount of transactions there were.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

I sent dispute letter back on  XXXX / XXXX / 17  Current Creditor  : Je  fferson Capital Systems LLC Debt Descriptio n :  XXXX   XXXX  Checking Original Account :  XXXX  Ref #  XXXX  Principal : {$120.00} To :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I  XXXX   XXXX  is disputing this debt from  Jefferson Capital Systems LLC :   XXXX    XXXX     XXXX  for {$120.00}.
Consumer complaint received 2017-06-15
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. (IL)

Notified via credit monitoring of a credit inquiry  XXXX . Immediately reported to credit bureaus that I did not authorize the inquiry or request for credit. I was told nothing can be done call the company. I called  XXXX  and was told to call the bank. I called the bank they said someone ordered something to my address and I informed them I did not place an order to cancel and close. Bank said they would close the account. I asked them to remove the inquiry as well. Few days later a credit card and statement came in the mail. I called  XXXX  back again to explain. I was told to return the item that came with return authorization which they emailed me. I was told to call the bank. I called again and explained. I followed up with the credit bureau today because this unauthorized inquiry and transaction continues to appear on  XXXX  of the  XXXX  credit reports. Credit bureau keeps telling me there is nothing they can do.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (TX)

I recently checked my credit report and saw a line posted b y Stella Recovery , Inc.,  saying I owed them a debt of {$56.00} and the Original Lender is  XXXX . I talked to  XXXX  and confirmed that not only I do not owe  XXXX  any money, but I also never had an account with  XXXX . I called  Stella Recovery and the person told me that the debt was from an address that I never lived before.
Consumer complaint received 2024-01-29
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. (AZ)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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