davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (MN)

I was not properly notified whether or not I owed a {$280.00} XXXX bill that is now in collection and is adversely affecting my credit score. 

I had XXXX 2 years ago. I took a small break from their services and then I re-established service. I have maintained my account current at all times. When I took a break from having XXXX services I was not notified that I had a remaining balance due. When I reconnected services, I was never notified that I had an outstanding balance. I was re-issued service and I have maintained my bill current the entire time. I have recently reviewed my credit report and a {$280.00} collection appeared. I disputed the account because I did not recognize it. The account ended up being verified. I called the collection agency XXXX Southwest Credit System XXXX and they gave me an account number to give XXXX. They ended up finding an account that had a past due balance that is not linked to the account I have now. 

I feel that XXXX did not properly keep records of my past and current account balances even though the service was reconnected at the exact same address with all of my exact same personal data. As far as I was concerned ( and according to my monthly bill XXXX everything was current on my account. 

If I would have been notified that I had a past due balance at the time I disconnect, during my service break, or once I reconnected my service, I would have paid it. I have lived at the same address during that service break ( before, during, and after ) and I was never notified that I owed this amount. 

I feel that this is not FAIR Credit Reporting because now I have an account in collection that I never knew about. I even attempted to call with my current account information and they always told me that my account was current. 

If I would have been issued a regular bill I would have paid it but this collection notice was the first time I found out about this account.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I just saw your response to my complaint and it sounds you're denying me as your customer, i am not sure how it works but i only want those inaccurate information deleted please fix your errors or i will seek litigation due to the stressed you caused me
Consumer complaint received 2021-01-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

4 Months after start of Mortgage Refinance application, still in process and my perception is that the ongoing waiting and no firm closing is unfair lending practice because the requested Refi and the Mortgage Loans to be paying off are with same Mortgage Lender and while waiting for refi closing, the loans that remained un-refinanced is on me paying higher mortgage costs and the Mortgage Lender continue to collect higher interest income. 
Ongoing Refi processing and documents posting to a secure web portal is summarized below. 
Mortgage Refinance Application started on XX/XX/XXXX ; Application Package and disclosures documents posted XX/XX/XXXX ; Conditionally Approved XX/XX/XXXX ; Loan Estimates document accepted XX/XX/XXXX Valuation of Property accepted XX/XX/XXXX Phone conversation with Processor about mentioned escrow/title services will take up to 3 weeks ; Mortgage Interest float lock at 2.75 % on XX/XX/XXXX ; E-mail from Escrow Company received on XX/XX/XXXX ; Escrow Officer E-mail requested confirmation that Title to the property remains under Living Trust per the XX/XX/XXXX. 
Re-locked at 2.5 % interest rate via GSE document on XX/XX/XXXX. XXXX ; As of XX/XX/XXXX Escrow services / title services results not visible to borrower not in web portal ; My request for Refi closing without further delay sent via Secured messaging sent on XX/XX/XXXX ; Complaint sent to my XXXX XXXX on XX/XX/XXXX ; XXXX XXXX that my credit union appreciate patience while my credit union continue to work on loan.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

I opened a business account with Square XXXX. I deposited XXXX check. Shortly after the check cleared and without explanation or any reason what so ever they closed my account and a I asked for the reason they closed my account and why they were holding my money for 90 days. I then waited the 90 days and they still won't release my money without explanation.i have contacted them countless times they won't tell me why and won't let me talk to anyone.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (UT)

On XX/XX/XXXX, I received an email from Credit Karma indicating that my account is locked. 

I have asked Credit Karma the reason why my account is locked and to give me access to my funds because just because I filed a dispute does not mean my account has to be locked unexpectedly. I have also been issued a new debit card when I initially filed a dispute. 

I utilized the help function in the credit karma mobile app to reach customer service by filling out a form and providing a lot of personal information. However, their representatives keep asking me to provide personal information via email in order to help me.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (TX)

No real solution or explanation even after multiple phone calls & written communications on bank website. Only small fraction of solution after complaint at CFPB ID XXXX, I was refunded {$81.00} in XX/XX/XXXX. 
Bank still owes me {$3600.00} ( double charged interest in XX/XX/XXXX & unaccounted escrow charges since XXXX ) + {$650.00} ( interest + compensation for giving run around ) = {$4300.00}.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

My issue is with Experian & some incorrect information that they are reporting in my file. They are reporting a XXXX XXXX account that does n't belong to me. Experian cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. Which leads me to my next issue with them. Experian is also reporting a Chapter XXXX bankruptcy on my file, when in fact I 've never filed any type of bankruptcy. I 've requested validation & for them to remove but they refuse citing unless there is new information from when I originally disputed the XXXX items, they will not Remove or Reinvestigate the Accounts/Judgements. Furthermore Experian refuses to send me the items that were used to validate these XXXX items in my file. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 've also verified with all the 3rd party reporting agencies XXXX, XXXX, XXXX, XXXX, & XXXX that no public records, judgements, or tax liens exist in my files. At this point, I feel Experian Never Investigated or Verified the information in my disputes or credit files ... which is a huge violation of the FCRA 15 U.S.C, 1681g. If Experian does n't have any documentation in there files to verify the accuracy of these disputed accounts then they must Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on m credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

On XX/XX/year> my XXXX XXXXXXXX was stolen from a gym and I checked my bank account later that day to notice an unauthorized transaction from Cash App in the amount of {$620.00}. I have filed a police report and raised my concern to cash app but they are being uncooperative. I have requested documentation of their evidence and I am not receiving any communication from cash app. They are refusing to help. The money that was taken from my XXXX XXXX XXXXXXXX account was going to be used for rent and now I am at risk of eviction! If this matter is not resolved I will have no choice but to pursue legal action including a lawsuit against cash app for failing to refund an unauthorized transaction
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I am currently out of work and behind on bills that I intend to pay. I have a problem making calls because my outgoung calls have been forwarded and intercepted by an independent call center without my permission. I prefer to be contacted via usps mail. I did inform the compant aboyt this and I responded to them through a written contact option to customer srvice in tge app. On the phone no one knows what I am talking about and I dob't believe thst I am talking directly to PayPal. I believe that the call center is trying to own this debt. 
On XX/XX/XXXX Bill Me Later or PayPalCredit wrote me an offer for me to pay {$76.00} and tgen {$61.00} a month for tge next 11 months. On XXXX I paid {$76.00}, On XXXX I paid {$61.00} and on XXXX I paid {$61.00}. Now that I have accepted this offer by check, over the phone and thrrough written communicatiob to customer service in the app. PayPal is saying that the offer is no longer valid. I first accepted the offer in XXXX on the phone and again on the XXXX of XXXX on the phobe and written in the app
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

As part of ongoing complaint # XXXX against US Bank over illegal activity taken against my account by US Bank, I made the Consumer Financial Protection Bureau aware that US Bank had lied and misrepresented to the Consumer Financial Protection Bureau. We are still awaiting US Bank 's response to that. 
In the interim, today I received a call from " Card Member '' services XXXX at XXXX XXXX informing me that US Bank now was going to offer me a refund, albeit at a fraction of the amount that was illegally withdrawn from my account by US Bank. It further came to light that US Bank had compounded its earlier illegal behavior in this matter by putting the account into collection. How I was additionally damaged by that action is substantive but difficult to fully quantify at this point. 
What has occurred here, as I pointed out earlier, was, literally, criminal on the part of US Bank and several employees. What US Bank is now doing, clearly as part of something it will present to the Consumer Financial Protection Bureau as somehow making me whole in the matter, barely scratches the surface and, frankly, is yet another attempt by US Bank to misrepresent to the Consumer Financial Protection Bureau what occurred in this entire affair and the current state of things.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

I tried to withdraw XXXX XXXX dollars from an XXXX  atm and I didnt take the money out in time because I just had a XXXX so my mobility is a bit delayed!! So the atm took my money and told me to contact my financial institution!! So I contacted my financial institution which is cash app and I contacted XXXX  atm and they told me that cash app can perform a regulation E transfer back into my account!!
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (IN)

{$150.00} - XX/XX/XXXX- tried to get refunded from CashApp {$850.00} - XX/XX/XXXX. - tried to get refunded from cash app {$600.00} - XX/XX/XXXX- tried to get refunded from cash app and requested
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IL)

On XXXX, a visit was made to the XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The physician apparently was employed by XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX submitted a bill for {$90.00}, which was paid on XX/XX/XXXX. XXXX XXXX XXXX is no longer in business, although the Internet still shows a XXXX XXXX location at XXXX XXXX XXXX. There was never a bill received from XXXX XXXX XXXX. On XX/XX/XXXX, a bill was received from Phoenix Financial Services on behalf of XXXX XXXX XXXX for {$90.00}. The bill was paid for {$45.00}, which was the amount demanded by Phoenix.  Upon further checking, it was discovered that that the original bill had been paid as noted above. Upon contacting Phoenix, they disclaimed all responsibility for the effort of XXXX XXXX XXXX to collect money from the individual for a bill that had already been paid to another party that XXXX XXXX XXXX was unable to collect from. Phoenix then sent a notice ( exhibit 5 ), disclaiming all responsibility for their actions and referring the individual to XXXX XXXX XXXX, even though Phoenix had improperly collected a debt and acted as an agent of XXXX XXXX XXXX.
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Since  XXXX   XXXX ,   XXXX  , everyday at  XXXX ,  XXXX  and  XXXX  Capital One calls me and it 's not a live agent it 's a machine. I do n't mind the  one  call a day but two is excessive and  3  is annoying! I get it, I owe you money but  3  voicemails that are 18 seconds long with a recording is too much.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Superior Adjustment, Inc. (MI)

This place continues to call me and they have the wrong number. I have told them this several times and they do n't believe me. I 've blocked their number and now they are leaving messages from an unknown number. They also shout and use profanity and threats. They are known as a debt collection company called " Credit-Check '' in  XXXX  MI. They have the wrong number.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RMS-Recovery Management Services, Inc. (TN)

I was contacted via phone on or around XX/XX/XXXX by XXXX XXXX from RMS about a debt that was discharged in a bankruptcy. I advised her that this debt was discharged and provided her my bankruptcy information as well as my new address and last name. 1 week later on XX/XX/XXXXI received a letter from her continuing to try to collect this debt. I called her and advised her again that this debt was discharged in a chapter 7 bankruptcy and that she was breaking the law by continuing to harass me about this discharged debt. I also faxed her a copy of my discharge paperwork on XX/XX/XXXX. On XX/XX/XXXX I received another letter advising me of the enclosed information I had requested. I NEVER requested any information, only that they stop harassing me. This debt was discharged in XX/XX/XXXX. I am very upset about the continual harrasment and want this company fined.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (AZ)

I am a square customer. I recently processed a transaction. Square charged me XXXX in fees. Then locked my account, delaying my receiving funds. I provided them with every document they asked for and then some. They have refused to help me, and they have refused to release my money, this is for their gain, and no one benefits from this but them. This is their way of addressing or hiding their financial issues. I have sent them all the proof requested that this was a legitimate transaction. I even included the images from XXXX XXXX XXXX XXXX thought this was a fraudulent charge, hence why the card was declined until the customer advised XXXX this was a valid transaction.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

OnXX/XX/XXXX My bill was {$410.00}. I paid {$420.00} On XX/XX/XXXX My bill was {$300.00} I paid {$300.00} I thought that the card was paid off. 
XXXX XXXXCard claimed in the XX/XX/XXXX billing statement that I made a purchase on XX/XX/XXXX for {$30.00}. On XX/XX/XXXX billing statement the amount rose to {$58.00}. On XX/XX/XXXX. I paid XXXX  XXXX card. XXXX. I thought that this card was paid off. On the XX/XX/XXXX billing statement the amount rose to {$97.00}. On XX/XX/XXXX I paid XXXX XXXX card XXXX. On the XX/XX/XXXX billing statement the amoount rose to {$79.00}. Then I paid XXXX {$1.00} which they are leaving as a credit. I was forced to give them my checking account and routing number because they would change the amount due daily.
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. ()

SOUTHWEST RECOVERY SERVICES PLACED A DEROGATORY COMMENT AND COLLECTION ON MY XXXX CREDIT REPORT FOR {$19000.00}. I CALLED THEM AND SPOKE TO XXXX XXXX AND HE SAID IT WAS FROM XXXX XXXX XXXX XXXX, A DEBT BUYER AND THE ORIGINAL DEBT WAS FROM A XXXX XXXX ACCOUNT IN XX/XX/XXXX AND HAD NO OTHER INFORMATION ON IT. IT IS NOT MINE, I DO NOT HAVE NOR HAVE I HAD A XXXX XXXX ACCOUNT. HE TOLD ME TO SEND THEM A LETTER AND THATS ALL HE COULD TELL ME. I STARTED A DISPUTE WITH XXXX AND WILL SEND THE LETTER. THIS IS THE SECOND TIME SINCE XX/XX/XXXX THESE PEOPLE HAVE HARASSED ME. MY BROTHER WON A SETTLEMENT FROM THEM IN XX/XX/XXXX BECAUSE THEY USED TO CALL HIM AND THREATEN HIM IF HE DID N'T PAY MY ALLEGED BILL AND/OR TELL THEM WHERE I COULD BE FOUND. NOT ALMOST A YEAR LATER THEY ARE ILLEGALLY HARASSING ME AGAIN WITH ANOTHER FALSE ACCOUNT I DO NOT OWE. THE JUNK DEBT BUYER, XXXX XXXX IS JUST AS MUCH TO BLAME BUYING FALSE DEBT AND TRYING TO SCARE CITIZENS INTO PAYING FAKE DEBTS!
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (TX)

I opened a credit card with Army Air Force Exchange Services ( AAFES ) in XXXX. In XXXX I was separated from service with the XXXX XXXX with a debt I could not pay and I remained unemployed until XXXX. The debt was sold to XXXX XXXX XXXX in XXXX while simultaneously Treasury Offset was initiated by AAFES. Recently ( XXXX ) I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX telling me that the balance that I owe was several thousand over the initial debt and that XXXX was attempting to garnish my wages. I contacted AAFES to provide me with the initial debt amount, I was told by a representative that they did not have that information. AAFES has collected my tax returns since XXXX leaving me with nothing and has allowed XXXX to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted XXXX for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because AAFES is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

I used XXXX XXXX XXXX a few years ago when I was living in California but I was going back and forth from Texas to there. At the time they provided decent prices for otherwise expensive hotel rooms. So at the end of last year ( 2023 ) when I got back on the road I decided to use them again. This was a terrible mistake, for starters I did something I didnt do the first go round and decided to use their monthly service that was priced at {$14.00}. However after noticing that they were charging my card multiple times a month I tried to cancel the service. To no avail they continued to try to charge my card which I ended up locking my card. Once they werent able to charge my card after multiple attempts for the {$14.00}. They then changed the name of their company to XXXX XXXX and started again trying to charge my card only now they were trying to take {$29.00}. Ive had to call my financial institution and notify them to block the merchant because they would not cease in trying to charge my card for multiple times a week at a price we didnt agree upon and a service Ive tried to cancel now multiple times. Finally I got word from my financial institution that the merchant was blocked, however the merchant is now trying to charge me for {$44.00} multiple times a day. I then done research on the company to find out that people had been disputing them and filing complaints about the merchant for years. After further investigation I found that they had done the same thing when I originally used them I was just unaware and saw that hundreds if not thousands of dollars were improperly taken from my account by this scam company.