davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

Cash App has blocked all transactions and refuse to allow me access to my funds. The dont give me any information other than it is being investigated. No anticipated time of resolution I asked if I could close the account they told me I could close the account, but then refused to cash out my monies with no explanation as to why Ive tried every day for the past nine days to get this resolved and I keep getting the same runaround.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I filed a complaint with CFPB in XXXX 2017. PennyMac Mortgage failed to pay my taxes. I called them on XXXX XXXX, 2017 and it took them almost 60 days to pay the bill. This is not the first time they have not paid my taxes. In a response letter from PennyMac they stated they would not charge my the late penalties the township had charged and they said they did not receive any tax bill to pay. 1. My township informed me they did send all tax notices out as normal. 2. On my XXXX statement I was charged for the penalties. I called XXXX XXXX XXXX who signed the letter and she never returned my call. The response letter also said that they would not honor removing the PMI because of the loan value. I know they can make exceptions and would like them to remove the PMI or adjust the account for the PMI to be applied to by principal balance. I can not understand how companies can enforce charges for their protection, but I am unable to enforce any to protect myself. Lastly, The response letter I received had an apology line for my frustration, but it was crossed out in red ink. Another example of unprofessionalism with this company.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (TX)

To Whom It May Concern, I have a collection account on my XXXX credit bureau file from the company, EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, account number listed as XXXX. Please be advised that I am disputing this information due to the fact that EOS CCA does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My bank account at Bank Of America, along with my credit cards were closed in 2017, although I fulfilled the corresponding payment obligations, they still appear on my credit report, affecting my personal finances. I went to the bank 's offices and did not get a response to the complaint.
Consumer complaint received 2019-10-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NM)

I am having issues with Nissan Motor XXXX XXXX in that they have been contacting me repeatedly, sometimes several times a day, even on Sundays while I'm in church regarding my auto loan. I have indicated to them their tactics are bordering on harassment, an issue which was denied over the phone. Following their last call, a few minutes ago, I indicated that I am immediately going to file a complaint, with you, against them. the dates of their calls include XX/XX/XXXX, XX/XX/XXXX, four times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, twice on XX/XX/XXXX, and the one this morning. Each time I had spoken to them, I had pointed out that I only get paid once a month and that I would be unable to pay them until then, to which I was informed " '' they wouldn't be able to wait until then. When i was more recently contacted, they had agreed to my paying them upon my getting paid, at which point I felt this matter had been resolved.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " XXXX, XXXX XXXX XXXX '' for an outstanding balance unpaid to " HSBC HOUSEHOLD BANK ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from XXXX, XXXX XXXX XXXX. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by HSBC and then mentioned it was somehow related to a MasterCard through XXXX XXXX. He also refused to give me any contact information for HSBC. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted HSBC immediately and they had no record of my social, account or name. The HSBC rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the HSBC account number was not referenced in the collection. HSBC recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for XXXX, XXXX XXXX XXXX and it appears I am not the first they have attempted to scam. I am attaching the scam letter from XXXX, XXXX XXXX XXXX to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NC)

Received a letter dated XX/XX/XXXX, signed by XXXX XXXX XXXX of Wells Fargo Merchant Service 's Executive Office stating that " You no longer hold an outstanding collection balance with WFMS '' ( see attached ). Received a subsequent letter dated XX/XX/XXXX, from the Wells Fargo Overdraft Deposit Collections and Recovery ( ODCR ) Department stating that I have a balance due of {$130.00} for my closed account ending in XXXX ( see attached ). I called the ODCR Department on Wednesday XX/XX/XXXX, at approximately XXXX XXXX and spoke with a person who stated that their name was XXXX. I was then transferred to another person who stated that their name was XXXX ( employee # XXXX ) in the XXXX XXXX XXXX. She confirmed that I had a {$0.00} balance and then transferred me after I requested a written letter showing nothing owed. I then spoke with a person who stated that their name was XXXX ( employee # XXXX ) who stated that I have a {$130.00} balance. This entire process was completed at approximately XXXX XXXX -- 48 minutes later, after extended periods of holds. My old business account was closed by them because I refused to pay their overdraft, and NSF fees generated from my former merchant 's account. I voluntarily closed my personal checking and savings accounts, as well as my business savings account due to excessive fees levied after their lawsuit for opening illegal accounts for thousands of their " valued '' customers.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank USA has pulled my credit now XXXX TIMES in the last year. I have contacted them after each occurrence to notify them that I never applied for a card with them. Each time the assure me the inquiry would be removed and it would not happen again. I have now received another denial letter dated XXXX/XXXX/17 ( Reference number XXXX ). I filed a complain with CFPB and it was showing as a dispute with XXXX? ( complaint XXXX about XXXX, XXXX ) It was supposed to be a dispute and report of fraudulent activity against CHASE. They should be fined, made to remove these inquiries and figure out what is the problem on their end that allows this to keep occurring.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OR)

XX/XX/XXXX The card company took {$45.00}. 
I rented a car from XXXX the total was {$200.00}. They ( XXXX ) requested {$100.00} deposit. However, {$340.00} was taken from my account for the charge. It should have been {$300.00}. Calling my card services help number they inform me that THEY themselves keep 15 % of a rental car purchase for " incidentals ". No where in my card service agreements does it say they/ The card issuer/ bank will hold money against a purchase it says " the merchant '' may. Which they did and was expected. They ( card issuer ) say it will be returned in 21 days without interest. The bank keeps putting me on hold for supervisors that never come on the line. They refuse to return my money and can not show me the term in the contract announcing this fee.I attached XXXX billing, my account statement and my relevant contract fee schedules. ( please remove the next part as well as all attached photos before publishing..my name on the card is spelled XXXX XXXX because they refused to change it unless I faxed them a bunch of documents they already have from the card initial setup less than a month ago ). The card was set up at XXXX XXXX it is a XXXX XXXX prepaid debit thru us bank. Thank you in advance.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I pulled an Experian credit report on XXXX18 and I noticed a name that does not belong on my report. Can you please remove : XXXX XXXX XXXX. 

Thank you XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

On XX/XX/2022 I reached an agreement with Columbia Debt Recovery DBA : Genesis. This agreement stated that following payment of {$11000.00}, which was made at that time, I would be absolved of responsibility for that debt in addition to the information being deleted from my credit reports. The deletion of this information was a predominant reason for remitting payment. The letter I received states it may take 3-4 weeks for the information to be updated, as of this writing it has been approximately 6 weeks and the information is still displaying on XXXX and XXXX credit reports with an amount that hasn't been updated since XXXX of this year. This failure to delete this information has caused undue hardship. I attempted to remedy this by contacting the number listed on the agreement and I was greeted by a particularly adversarial representative who first claimed the agreement didn't state a 3-4 week timeline. When I stated it did and she saw that it did, no apology was made and she abruptly asserted that they submitted information to the credit bureaus approximately a month prior. I do not believe this to be accurate as the information is both still showing on my credit report and is also grossly inaccurate. As the company did not resolve this issue at that time, I proceeded to submit disputes with the credit bureaus, unfortunately the dispute process takes an additional month prolonging the hardship caused by the companies failure to delete this information promptly.
Consumer complaint received 2021-08-13
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. (FL)

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

Edfinancial has said multiple times over the phone that it will take 6 months to a year to process my loan refund request. These calls were around XX/XX/XXXX and XX/XX/XXXX. Other servicers are completing this in at most 6-8 weeks and I've heard from multiple people that they already have their refunds.
Consumer complaint received 2017-06-20
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX
Consumer complaint received 2017-06-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GSI  Recovery, LLC (NJ)

Amount placed on collection is XXXX, XXXX dollars reported by XXXX on XXXX XXXX, XXXX, they knowingly reported a collection as delinquent which has adversely affected my credit, this is a workers comp case which is still pending and this should have never been placed in collections, this is a violation of the FCRA and this needs to be addressed.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (SC)

I would like to register a complaint against US Bank for the unauthorized withdrawal of {$1400.00} from our bank account. I am attaching a letter where US Bank admits this was an error. An error that nearly caused us to bounce several checks. It took us several hours on the telephone For US BankTwo admit That this was a mistake And to clear it up
Consumer complaint received 2022-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NY)

In accordance with the fair credit reporting DEBT RECOVERY # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information
Consumer complaint received 2019-03-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XX/XX/2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act Account XXXX XXXX in the amount of {$400.00} has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/2020 Midland Credit management added a derogatory mark on my credit report per XXXX XXXX which was sold/transferred to them by XXXX XXXX XXXX. I am no longer responsible for this account. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. according to FCRA, Midland Credit has violated my rights as a consumer and I am requesting legal action to remove the account immediately.
Consumer complaint received 2018-02-02
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. (NV)

Have a lot of Hard Inquires on my credit report. which I don't know about. 
XXXX 5 times on report, XXXX 2 times, XXXX 2times, I don't know if someone is try to get credit on my name.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

Hello I am writing to file a formal complaint regarding a disputed transaction with Cash App. On XX/XX/XXXX, a transaction amounting to {$42.00} was made to a company that misrepresented itself. This company 's name did not match the transaction, In addition the company shows that the payment did not get processed but it did go through since the transaction was cleared and posted for the same amount but completely different name leading me to believe it is a fraudulent entity. 

Upon realizing the misrepresentation, I disputed the transaction with Cash App, providing evidence in the form of screenshots clearly indicating that the payment was processed and attempted to get in contact with the merchant which is impossible. The company website is XXXX and they represented themselves as XXXX XXXX XXXX XXXX and the bank transaction process as XXXX XXXX XXXX this evidence, Cash App has denied my claim stating the transaction was correct and no misrepresentation on behalf of the fake company was found but it clearly is I have provided Cash App with all the necessary evidence to support my claim, including documentation highlighting the discrepancy between the company 's representation and the actual transaction. Despite this, my claim has been unjustly denied. 

This transaction was not authorized as it was a scam I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely,
Consumer complaint received 2019-03-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XXXX of 2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.
Consumer complaint received 2017-06-20
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: Innovis (IN)

CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   XXXX   AND INNOVIS.     PER THE  F.C.R.A  LAWS.