davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (FL)

I was a discover card holder as of 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a XXXX months ago ( XXXX XXXX ), without any warning and notice in advance, the company closed my account and thereby wiped out my 3 years of credit history associated with Discover card. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Most importantly, I have about {$1100.00} cashback bonus in my account when you close my card, and I was told by discover agent that they will return my cashback bonus in two bill cycles. But I wait for two bill cycles, and get nothing from them. 

Today ( XXXX. XXXX ), I called them about the cashback bonus. They told me that when my account was closed, the cashback bonus " was forfeited ''. However, in their website, they say that " We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months ''. 

As a credit card company, the most important thing is to fulfil your promise ( contract ) with consumers. But now, this company uses its real actions to prove that they do not follow the contract. 

Moreover, upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX ) without a just ground. I believe that CFPB is or will be getting more similar complaints in the near future. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put in an end. 

Thank you.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Not Legal Validation & Re-ageing Debt I wrote TransUnion regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. TransUnion is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. TransUnion is in violation continuing to report. 

Also the debt was Re-Aged by TransUnion which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (TX)

My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made
Consumer complaint received 2024-01-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc. (WA)

on XXXX, a direct deposit in the amount of {$2900.00} was made to my cash app account ( XXXX XXXX ). i have not been able to access my money since the deposit was made except and only by transferring a limited amount to a friends cash app account, then withdrawing the funds. im getting charged for each and every transaction and im still unable to use the card like i have for the last few years. i can not pay my bills online, make any purchaces online or in the stores. i can not draw out funds thru a cash machine,. they will not let me use my card period. the reason they give me and the only reason the they will give me is that my card isnt working and its for my protection due to unusual activity,. 
the activity is the same activity ive been conduction since i got the card years ago, they refuse to let me use my card to withrdraw my funds. ive been unable to pay bills and am getting charged late fees due to this situation that has no grounds. there is no live person to talk to about this at the number given for customer service which says there is help available mon thru friday XXXX to XXXX. it directs you back to the app and hangs up.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NC)

I opened an account with the CASH APP application and now want to close the account. When I try to close it, they send a QR code that you have to use but all it does is make you confirm a code and then sign up for Cash app again. They don't have a valid way to really close your account. The QR code leads you to add your debit card and it is like having to sign up all over again instead of a valid way to close the account. I DID remove my debit card and credit card accounts from the card but want to completely remove the card and close it with all my identifying information. My Spouse wants to close his account too ... My complaint is that CASH APP is making it very difficult for consumers to close their account and remove their information.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (NC)

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$160.00} / XX/XX/2022
Consumer complaint received 2021-04-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (WA)

XXXX XX/XX/2020 I tried to close my account with paypal.com and they would not allow it there is no way for me to get my money from the account because they will not offer me any options to do so. This is theft.i have tried to get my money and close the account since XX/XX/XXXX but every attempt i make they wont help
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TimeMark Solutions, Inc (LA)

I was told by TimeMark Solutions Inc, that the reason that I was not qualifying for XXXX forgiveness was because I needed to have my loans consolidated and taken away from XXXX  for five payments of {$110.00}. However, after speaking to XXXX, this is untrue and I could have filled out the paperwork myself for free. The information was presented as if they all worked together for XXXX and they do not. TimeMark Solutions Inc. is a third party company that is getting over on people when I am already struggling to repay my student loans. The money paid to them could have been paid towards my loans. Is there any way that I can get my money back?
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P. (TX)

I noticed a debt was furnished upon my consumer report, from XXXX XXXX through a third-party debt collector ( Southwest credit systems XXXX XXXX which is sharing and selling my personal information without my consent, this is defamation of my character and also goes against federal law.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Ordered internet service from XXXX ( was XXXX XXXX ). They came out several times and I spent endless hours with IT people, but they could not get it to work. Three weeks later, I ordered XXXX service and called to cancel. I was led to believe any/all charges would be waived for the hassles. I had to go return the equipment. Since then, I was hung up on, transferred etc. They have now put $ 70+ on my credit report now and ruined my mortgage application/process. I finally paid it since I spent so much time trying to resolve this like a " normal '' business should. they turned it over to CBE Group which is their collections company. Account number XXXX and approval code CBE used to process my payment is XXXX. XXXX XXXX and service address was XXXX XXXX XXXX, XXXX TX XXXX.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I need a refund for a scam. Cash App only let me send {$32.00} thankfully to this fraudulent seller. I was attempting to purchase, at a steep discount, a XXXX XXXX for my boyfriend 's use for XXXX. We are way below the poverty line and not in good shape financially, and I've never had much issue with people on XXXX that are members in groups local to me. This XXXX XXXX XXXX turned out to be dishonest and consequently blocked me or made me unable to work something out. I know it was scam because Cash App did, thankfully, block my sending the remainder of what was requested to cover shipping ( up to {$50.00} ). I then realized this seller was problematic/fraudulent.
Consumer complaint received 2021-08-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 21ST MORTGAGE CORP. (TX)

Starting in XX/XX/XXXX, when my late husband and I signed the paperwork that we oped to pay bi-weekly the amount of {$620.00} that 21st offered. For 4 1/2 years, we were constately harrassed and verbally abused. When we paid on time bi-weekly, they always said we were late. Then we started paying monthly the amount they wanted to stop the harrassment. Last year in XXXX of XXXX, my husband was working with XXXX XXXX, the company attorney. He was the " go between '' to get a resolution. Finally, my husband agreed to pay them the amount they wanted. He sent a check for {$4400.00} to just have piece of mind. This way we could start with a " clean '' slate. They sent us 3 payments back as in 3 checks. These were full payments we had paid and had cleared the bank. We never cashed them but they backed it out of their system. Now they are saying are behind again. Since XXXX of XXXX when we had a " clean slate '', I have paid a total of 14 payments. In XX/XX/XXXX my husband passed. When I called to let them know in case they needed to death certificate, they LAUGHED! Then they started yelling asking wo is gon na pay. I kept trying to tell them I am. They kept over talking me and kept asking about his kids. Finally I hung up because in my state of mind and still in shock, I hung up. Now they have their attorney involved again. In early XXXX he is wanting a resolution again. He told me they stopped payment on the 3 checks but their paperwork shows they never put it back in. I have all my payments where they cleared the bank. 

Mr. XXXX is now saying he doesn't " remember '' the agreement in XX/XX/XXXX. I do remember because we would NOT pay XXXX for no reason. They are taking advantage of my husbands passing because he can't speak. I remember seeing the check and paperwork in his things. ( I will have to look again ). 

I am having anxiety attacks and on medication now. This constant harrassment plus me trying to grieve for XXXX has got to stop. My doctor told me I am at XXXX level now. Please make this stop. I have read many reviews and this is what 21st Mortgage does.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA Account # XXXX for {$49000.00} and USAA Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX-XXXX-XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (IL)

I received notice from my mortgage loan officer, since I am doing a refi, that my credit report, from XXXX XXXX, my FICO score had dropped significantly by 60 points! 

He stated to me, as result of a {$300.00} Collections on my credit score that I knew nothing about, I know I had return all my XXXX XXXX  XXXX, equipment by XXXX on XX/XX/21. 

I have the receipt from the local XXXX store. It was late, do to me getting sick last year, I called XXXX XXXX XXXX, on XX/XX/21, about my return immediately! of all my equipment and to remove the collection on me. The representative stated, once the next cycle hits, it would be removed. It never did. 

I called XXXX XXXX XXXX a second time on XX/XX/21, to check if they notify Sequium Asset Collection they said they are still waiting for another cycle! I am frustrated now, so On XX/XX/21, I contacted Sequium Assets, the Collection agency, They would not remove or do anything. I returned all equipment and proof, but this did not matter. The representative stated, I had to pay to remove the collection, which he offered me 50 % discount, to settle the collection. 

I mistakenly, by pressure by the stress of this major drop in my FICO score, I paid it! 
This is wrong! 

I want justice! 

This is an unfair credit practices, by both XXXX XXXX XXXX and Sequium Assets, since I returned all equipment and had no ending balance owed by me for anything else.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company (CA)

Freedom Mortgage Corporation took over our home loan in XXXX. Zero issues what so ever payments where made on time. For the first four months my father would call in his payments and they would take them and process them with no issues and my father has even added additional funds for the principal every month. Let 's fast forward to the first incident in XX/XX/XXXX my father called in his payment as he always did got his confirmation number and went about his day. Right away at the end of XXXX I had people coming to the home taking pictures asking if anyone was living in the home. Puzzled and confused we call XXXX and they said no payment had been made for the month so they just wanted to verify someone was living in the home. On the phone I mentioned the confirmation number they took it but said nothing existed. After making the payment I asked if my credit would be damaged because of this and they said they did not know. Right away that was a red flag! After countless phone calls, letters and emails at the end of XXXX my credit report was updated with a deduction in points from XXXX to the low 600 's. After trying to explain the situation they were no help what so ever! all I got was a you should have made that payment on time. Now let 's forward to XXXX! My father had some extra cash so he decided he would make his payment early. I made this payment on XX/XX/XXXX for the amount of {$1800.00} and an additional payment to the principal for {$300.00} a total of {$2100.00} for the next month of XXXX. I kept an eye on the bank account but noticed something strange XXXX only took the principal payment of {$300.00} I called to confirm that and they said that was correct! I asked why?? if I made a payment for {$2100.00}. I remembered what we had already gone thru this so I mentioned this to the operator and she said she saw this exact problem earlier in the week with a different customer. I mentioned what happened to us in XXXX and I told her that it feels as if Freedom Mortgage would love the home back since they really want us to miss payments and mess with our credit. I would happily sell the house back to them!!!!!!! but if the payment system has errors why not change that??? why don't you fix this! I tried to buy my own home but was unable to because of the damage to my credit thats just now getting better. I would appreciate it if XXXX took responsibility for the XXXX up from XXXX and for the one for XXXX or is this plane old sabotage?
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I spoke with the creditor ( XXXX ) and the account was to be removed from credit report. They said request was sent to Equifax. I sent request to Equifax to have account removed and it is still showing on credit report. This account needs to be deleted per the collection agency. I have spoken with Equifax and have not been able to get anything handled. 

XXXX XXXX XXXX XXXX, XXXX {$130.00} Original creditor : XXXX  ******************************************************************* I am asking for proof of debt. They have not valdiated this debt and will not show any proof that I owe it. Per credit reporting laws this needs to be deleted. This is my last attempt before filing civil case in XXXX XXXX Georgia XXXX XXXX Opened XXXX XXXX, XXXX {$6500.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC (AR)

XXXX HAS SOLD THIS FRAUDULENT DEBT TO XXXX   XXXX/XXXX XXXX ETC.. AND ARE ALL REPORTING ON MY CREDIT REPORTS. CEASE AND DESIST COLLECTION EFFORTS..AND CEASE COMMUNICATIONS WITH MY DAD AND FAMILY MEMEBERS.ALL PARTIES TO BE SUED IN CLASS ACTION SHOULD THEY FAIL TO PAID ME {$27000.00} IN DAMAGES..
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

This company is trying to collect money on an account that is not mine, therefor I'm requesting a full validation of this debt and send me physical proof of this, since I have not knowledge of this debt, in accordance with Fair Debt collection practices act, section 1692g.PleasXXXX provide : A. the original application or contract. 
B.Any annd all statements allegedly related. 
C.Any and all sign receipts. 
D.Any and all cancelled checks. 
Under the law you have 30 days to supply this proof. 
In addition, do not contact me via phone. From now on, we will comunicate through mail and CFPB. 

Sincerely : XXXX XXXX
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (FL)

Waypoint Resource Group is claiming they have the right to collect a " debt '' for XXXX $ for XXXX XXXX XXXX. This is damaging and is reporting on my credit file. It showed up in the middle of a mortgage transaction which dipped my score more than 60 points! This company does not have rights to the debt as the equipment was returned the XXXX as well as remaining balance paid to XXXX as evidenced by the XXXX balance receipt. As per XXXX the account owner this issue should have been resolved by now and i am severely disappointed that it hasn't been. Myself and my children are living from house to house right now and buying this house is very important to our health and well being. This collection should have never been place on my report. PLEASE remove it as soon as possible. '
Consumer complaint received 2018-09-28
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)

Dear Credit Bureau : XXXX I pulled a copy of my credit report and noticed a fraudulent account. 
Creditor : XXXX XXXX Account : XXXX .... Reason : Fraudulent account I have been a victim of Identity Theft. The account is fraudulent. 
To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) This fraudulent accounts were not authorized by me. I have also provided you with copies of my social security number and license. 
Thank you. 
A copy of My ID, Social Security Card and Proof of Address are Attached along with the police report and Identity Theft Report.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

I disputed an account listed on my credit reports by XXXX XXXX, XXXX hat did not belong to me and it was removed because they could not verify it. Apparently XXXX XXXX, XXXX then sold it to Transworld Systems Inc. and it was added to all three of my credit reports. I did not receive a dunning notice nor a notice of my right to dispute before that added this account to my credit reports. I wold like the erroneous debt removed from my credit reports immediately