davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lending Club Corp (PA)

I applied for a loan on XXXX XXXX, I got several emails from the company and calls I bent over backward getting them my personal information XXXX each time I spoke to someone over and over again and they verified phone numbers for my employment. I gave them all the correct information and private information. I spoke to someone on XXXX XXXX at XXXX they once again asked for my employers phone number. I spoke to them and stated that we are in different time zones and also made them aware that we work XXXX. an hour later I got a denial letter stating they could not verify my employment. I called to speak to someone and ask as to why when I gave them all the correct information and they stated that they had never called my employer to verify. That my employment phone number was not a number they could check. and could not explain to me why. Every time I spoke to them I yet again had to verify my self and give my social and birthdate and once again all my private info and no one could explain to me why I was being denied. 
this company is bogus they should have recorded conversations as to me calling them each and every time. Harassing me through email and the phone on additional info needed and still not approving me for my work number and not once did they call my company to verify my work.
Consumer complaint received 2024-08-18
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (AK)

In XXXX, I began to experience harassment from Discover Student Loans. I had never received any billing statements or been advised of amounts due. The situation escalated when they began calling my elderly father every day, resulting in considerable distress for him. 
To stop the harassment, I agreed to let Discover extract $ XXXX/mo directly from my credit union account on the XXXX of each month, which they have done since XX/XX/XXXX. They stated that this would stop the harassment calls, but that I would continue to get threatening notices by mail, which I did receive. These notices include threats of turning my account over to a collection agency, even though payments were being made. I consider this to be an additional and unnecessary form of harassment, after agreeing to automatic payment arrangements. 
The most recent payment was removed from my bank account on XX/XX/XXXX. There has never been any problem with my monthly payments. Funds have been available every month, and all payments have been processed as agreed. My records show that this agreement is in effect until XX/XX/XXXX. 
On XX/XX/XXXX I began receiving emails stating that my account was unpaid and overdue as of XX/XX/XXXX, despite the fact that Discover was still removing {$370.00} from my bank account every month. This email harassment has continued almost daily. My phone is showing 30 missed calls from ( XXXX ) XXXX, which is more than ridiculous. I have called Discover,  and was told that I did not have any sort of payment agreement with them. If that is the case, how are they still taking money out of my credit union account every month? I have also sent messages several times per week via their online message center. I have received only generic replies. My online account center shows that the payments have all been made, and my bank statements also prove this. 
I am fed up with this harassment. Discover has failed to correct their error, and I am sick and tired of trying to resolve this matter with them. Their pat response is, Well, you need to call a different number so one of our account specialists can help you. That number is already unattended by the time I get home from work. I am not wasting any more of my time on these incompetent morons. They have had every opportunity to resolve this matter, and have failed to do so. My account is NOT overdue. My payments have been made every month as agreed. I have never agreed to any change in terms or due date, nor have I been advised of any status change regarding my automatic payments.

I am requesting an investigation to determine why my payments are not being acknowledged and/or credited to my account. Im sure Im not the only person who is experiencing this type of unnecessary harassment from Discover Student Loans. This should be a very simple matter to resolve, yet Discover has refused to do so.

Thank you for your assistance.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

We were living at XXXX XXXX XXXX, an XXXX XXXX in XXXX XXXX, CA XXXX. In about mid-XX/XX/2017, after moving to another apartment here, we were surprised with an unfair situation. 
Maintainence manager had done a walkthrough of Our previous apartment before moving out. There was washable paint on it the carpet, which he specifically told us to not worry about at all because they clean the rugs so well once we leave. He did not even bother to mark it down on the sheet he gave us a copy of, and the marks were clearly visible in the middle of the room. Once we were long moved out, XXXXXXXX XXXX told us we needed to pay over {$700.00} in rug replacement fee, due to the aforementioned paint marks. We obviously were not alerted even to this possibility before, quite the opposite ; had the mainatinece manager not mentioned to us so specifically not to worry about it, we would have had the washable paint and carpets cleaned ourselves. It was completely unfair to have been advised otherwise, and charged after for something that apparently did not even merit being mentioned or noted on the walkthrough sheet. We were trying to dispute this with XXXX, who dug their heels in and ended up forwarding us to a debt collector. We have paid the account regardless but the derogatory mark remains on the credit report and will for 7 years. We did not feel at all that this was handled in a fair manner, or even completely resolved by XXXX before they forwarded our account to debt collectors and at the very least believe this should be removed from the credit report.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (SC)

My cash app account was frozen 5 days ago due to suspicious activity but there has not been any suspicious activity. I have {$210.00} in my account. I have called them twice and contacted support via the chat option and they will not give me any information as to why the account was frozen or how long it will take to release my funds. They keep saying it has been escalated to their support team and they will send me an email. No help whatsoever.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2019-05-11
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. (FL)

Hello, Please help! I feel like my consumer rights have been violated and I have incurred damages as a result. This is my last effort to get help before seeking the advice of an attorney and suing in court. 

I am a XXXX and attempting to purchase a home. I had a student loan charge off several years ago ; that I am working on settling. The mortgage company and several of my creditors have denied me loans/credit because they are stating that according to TransUnion ( XXXX and XXXX have it correct ) they are reporting that the charged off account has a monthly payment of {$41000.00} per month x 235 months and thus puts my monthly debt to income ration off. However, the entire balance was {$41000.00} and the monthly payment was {$220.00}. 

I disputed this with TransUnion now 4 times and have spent hours on the phone with no resolution. TransUnion tells me that they are not reporting {$41000.00} per month. However, when they sent me the investigation results it clearly shows the terms they are reporting. Please see attached. 

I contacted XXXX XXXX the owner of the account and was advised that they are not reporting a monthly payment of {$41000.00}. I don't know what else to do! I am unable to purchase a home or get lines of credit due to this error. 

Please see the attached document from TransUnion and advise me on my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

The current payment status of 30 Delinq is incorrect because the balance due on this account is XXXX 

XXXX Status Closed Credit Limit XXXX High Balance XXXX  Payment Amount XXXX  Last Payment XX/XX/XXXX Term 0 Month ( XXXX ) Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status XXXX Delinq Past Due {$0.00} Worst Rating 60 days late Remarks Canceled by credit grantor Completed XX/XX/XXXX Payment Status Error The current payment status of XXXX Delinq is incorrect because the balance due on this account is XXXX 
Suggested I Previously Disputed This I previously disputed this account stating : " The current payment status of XXXX Delinq is incorrect because the balance due on this account is XXXX ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Consumer complaint received 2021-09-04
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. (TX)

Several Items reporting inaccurately. 
XXXX XXXX account paid as agreed XXXX XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7 XXXX account exceed 7 XXXX XXXX exceed 7
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

In 2015 I noticed a collection action on my EQUIFAX credit report which I disputed to no avail. I complained to the XXXX XXXX XXXX XXXX XXXX XXXX ( attached ) and received a response from a debt collector ( attached ) resulting in the debt being removed. 
I notice that an incorrect Social Security Number, XXXX, is reported on my EQUIFAX credit report and I believe that it appeared in conjunction with the erroneous collection action. 
I need the incorrect Social Security Number, XXXX, removed from my EQUIFAX credit report.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

On XX/XX/XXXX, I received a XXXX form from Block Inc. f/k/a Square, Inc./Cash App stating that I earned {$77000.00} in revenue during XXXX and XX/XX/XXXX. I initially thought that the form came from Square, as I have an unused business account with them though I didn't have any transactions with them during XXXX. My account showed that I did not do any business and that they did not issue a XXXX form. I contacted Square and they used the account number on the XXXX to determine that it did not come from them. On XX/XX/XXXX, they stated that it came from Cash App and advised me to contact them. However, I do not, nor have I ever had a Cash App account. 

On XX/XX/XXXX, I contacted Cash App by phone and explained my situation to them. They said that they would escalate my concern to the tax department. 

On XX/XX/XXXX, I received the following response : " If you would like to further pursue this claim, you may wish to contact local law enforcement. Cash App will cooperate with any active investigation and provide any supporting documentation that may assist with their investigation in the matter. 

Law enforcement agents may submit a request for information electronically ( https : //block.xyz/legal/government ) Note : Block does not respond to correspondence sent by non-law enforcement/ government agencies to the addresses above. 

Thanks, XXXX '' On XX/XX/XXXX, I reached out again via email attempting to clarify my situation and asking for a corrected XXXX form. The responded again that they would not speak with me but only law enforcement officials. 

On XX/XX/XXXX, I reached out via X ( XXXX ) on and received the same first response as I had received via email. 

On XX/XX/XXXX, I was in contact with the Maryland XXXX Attorney XXXX XXXX and was instructed to review my credit reports and XXXX XXXX, all of which came back clear. It was determined that it was not likely a case of identity theft. This contact asked me to speak with Cash App XXXX more time to explain this to them. 

On XX/XX/XXXX, I called Cash App and I was given a link to create a ticket, however you must be a Cash App account holder to access the link. Again, I am not a Cash App user. 

The tax deadline is approaching and this is a time sensitive issue. Not having the correct information reported to the IRS will create a significant tax liability. 

I am happy to provide screen shots of customer support emails from Square and Cash App as needed.
Consumer complaint received 2016-08-29
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Regional Management Corporation (NC)

I placed an online application with Regional Finance, Immediately after I called the business to stop application process. I spoke to associate at the branch in XXXX NC and they told me to contact home office. They assisted me with correct phone number and then I spoke with the associate in the underwriting department. The associate in that department told me he would void my application and my credit would not be pulled. Two days later I received an alert on my report that they did in fact run my report. That 's when I filed a report with XXXX and I did not get a resolution to my complaint. They referred me to this site.
Consumer complaint received 2017-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2017 a deposit was made in my Capital One 360 checking account. The deposit was a mobile deposit by my brother in law. It was a personal check paid to him for services rendered in the amount of {$750.00}. This account also gives the ability to link other accounts so that I can manage multiple accounts including non capital one accts, in one place. After 2 or 3 days a hold was placed on my account as well as all the accounts linked to this acct. All funds in all accounts were frozen. I was ordered to call a number and was eventually routed to the fraud department. I explained as well as I could the circumstances surrounding the deposit. The agent asked that I have my brother in law call. According to my brother in law, he called spoke briefly about where the check had come from and their hesitancy to clear it. My brother offered for the return of the check so he could cash in bank.They stopped talking to him when it was learned that he wasn't primary acct. holder. To this date, almost 4 months later the deposit is held and accts haven't been released.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Debt Mediation, Inc. (FL)

I called XXXX after noticing that Professional Debt placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested XXXX to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (AL)

XX/XX/2024 I did a purchase on XXXX for {$280.00}. Later that day i canceled the order and XXXX processed the refund. However, the money was supposed to be on my account yesterday XX/XX/XXXX because it was a canceled transaction. I spoke to someone at Cashapp and the response was that XXXX is the company holding my money. I spoke to XXXX  and the answer was that my issuer bank is the one holding the money. Nobody wants to take responsability and i need my earned money back. All these companies should be held accountable for holding money they dont own.

Now nobody wants to tell me where is my money.
Consumer complaint received 2024-08-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and used by someone who did my credit repair for a couple of years. She also did fraud with other people 's info that I know. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Technologies, Inc. (TX)

Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7XXXX account exceed XXXX XXXX  Appliance exceed XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

The XXXX XXXX XXXX XXXX called me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to collect a debt for the same amount of XXXX as a collection agency called XXXX XXXX XXXX. They demanded that I answer the call today ( XX/XX/XXXX ) to ensure it wouldnt go on my credit.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (GA)

I used my cash app card for XXXX stays at a XXXX XXXX in XXXX, Georgia, where incidental fees were charged to my card. After the first charge, I contacted cash app, and within XXXX days the incidental fees were returned to my card. 
At present, I have XXXX outstanding transactions from the same hotel, but Cash App is refusing to release my funds back to me, which nearly totals XXXX for XXXX different hotel stays. They are refusing to return the fees under very suspicious circumstances. They have hung up on me twice today, insulted me, and refuse to refund the incentive fees,