davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (VA)

Opened a few investigations in negative credit reportin g of ninety da ys late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,  2017  ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all  XXXX  credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
Consumer complaint received 2024-01-23
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc. (MS)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX a total of XXXX $ was sent to a cash app with the same name as mines with no Permission or authorization from me I believe the cash app team that has members that gather up people personal information & supposedly help people when they have issues on transactions or something seem to appear that they are stealing and
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (VA)

I disputed this account back in like XXXX or XXXX. Currently, I am looking to buy a house, but the dispute remarks were blocking my mortgage approval. I reached out to CCI Contract Callers about removing the dispute remark, but they refused unless the debt was paid. So, I reached out to the credit agencies, and had them remove the dispute remarks. I have done this three different times and every time it gets removed CCI Contract Callers keeps putting the remarks back on the collections account. I am no longer disputing so I don't know why they keep adding it back. The main reason I am filing this complaint however, is because this time when they added the dispute remark back, they put the collection on my credit report twice, dropping my credit score below my required score for the mortgage. I owe them for one collections account not two.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

XX/XX/2021 {$190.00} set for next month. Money was taken from bank account but not shared with bank and claim was sent in. Wallet was stolen and lost again. Money was put on credit card but loan did not take credit card.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA  Section 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC (WA)

Since XXXX of 2020, I have been keeping an eye on my credit report very closely, using XXXX XXXX, XXXX XXXX and all three credit bureaus, as I am attempting to get a VA home loan. Working with my lender I was able to verify old debt, and pay it off. I check my credit report at least once a day and ensure that nothing new is opened or money spent on a credit card that would hurt my ability to buy a home. Today XX/XX/2020 @ XXXX I woke up, checked my credit report on XXXX XXXX and noticed a new line of credit from VeriCred Solutions LLC for the amount of {$1400.00}, had been opened in my name on XX/XX/2020, more than 33 days ago. I checked this with XXXX XXXX and all three agencies and none of them showed any debt by the company VeriCred Solutions LLC, nor any debt for that amount. It has also been more than 33 days and I have not received any notice either by mail, email or a phone call about said debt. Under the law from my understanding this is an illegal tactic sometimes employed by credit agencies.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Colony Brands, Inc. (CT)

Ginny 's XXXX I wrote them 3 letters and requesting by certifiy mail and notarized letter requesting the company to validate the debt with my original signature and they fail to provide. I sent this request to credit bureau XXXX, XXXX, and XXXX as well too indicating I wanted the company to validate the debt with original signatures and either party has done so on the 3 attempts that I have made. For example, I spoke with XXXX about this matter and they had the letter requesting the original signatures and it was not done. I even ask for a supervisor she then denied the letter was on file after previous rep stated the letter was on file and they did not get the return original signatures from Ginnys ' within 30 or at 30 day time frame. I also went the extra step to make a complaint about Ginnys 's to the BBB of Iowa where the company was locate they got no response after trying 2 attempts about validating the debt with original signatures I have a copy of this letter too. I advised both the bureau and the creditor what I needed to see verify this was my debt and both parties just ignored me. Please help.
Consumer complaint received 2017-06-14
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. (AL)

XXXX / XXXX /   2016   XXXX / XXXX /   2016   XXXX / XXXX /   2016  Are all dates that disputes to Experian have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: UNITED STUDENT LOAN SOLUTIONS (PA)

A student loan consolidation company by the name of United Student Loan Solutions, address :  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , Fl  XXXX , phone number  ( s  )  XXXX ,  XXXX ,  XXXX ,  XXXX  This company is pretending to a third party contractor for  the U.S.  Department of Education, in assisting students with loan debt to consolidate their loan, as part of   XXXX   XXXX   Loan forgiveness program. They tricked me into giving them my ss #, driver 's license #, employer 's information, an d FSA in formation to review my loan amounts. This company asked for an upfront payment of {$590.00} to processing the loan consolidation. I gave them my debit card number to t ake out two pa yments of  XXXX  on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . After speaking with the rep  XXXX , I became suspicious of the matter. I contact t he U.S.  Department of Education, and they advised that loan consolidation would be a free service through them. They also advised me to contact Consumerfinance.gov to file a complaint. I then contacted my bank, as well as  my local police to file a fraud complaint. I also contacted all three credit agencies, my state motor vehicle license agency. They portray themselves as  XXXX  on the internet. It is a trap.
Consumer complaint received 2024-01-22
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. (TX)

On XX/XX/year> @ XXXX XXXX I reached out to cash app because my account was immediately logged out. I had my debit card linked to my account and I had a cash app balance of {$170.00} it could a little less but I know for sure XXXX XXXXXXXX in my account. I went to login and receive the code it requested and tried to sign in to my already made and verfied account it then asks me to create a brand new account with signing up all over again They attempted to help me recover my account- ( Why try to help if my account was closed that was completely a waste of time ) So I took the steps given and tried It didn't work. So they asked in order to regain access to provide my full legal name my current cash tag and previous cash tag phone/email linked to my account and which account I would like to use. I provided them the information. then their Advocate told me they will attempt to grant access to my account if successful I will be able to access in the process of doing this all and re verify my identity again. The advocate then says to me that they legally required to maintain transaction records and account information and that all information is encrypted and stored on their servers and says that my account was closed at XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX but my new account that I created under my same email used for my previous account that I can continue using to send and receive payments. I explained I had money on my account they made verify my identity AGAIN! I did I followed the steps. at this point the verification is not even working it took my id front and back and my selfie but wouldn't allow me to continue the next steps. Then the Advocate goes to say I can confirm you that there isn't any balance on my account that they closed!!! I asked where is my money. I gave them all the last transactions I used and what they were used for then I asked if they can confirm if any other devices were logged into my account they asked to verify my identity again and again I am now to the point angry!!!! They won't tell me where my money is now which is NOW been stolen from whom - I have no idea they won't provide any other information but keep saying read terms and conditions!!!! I am not understanding why Cash app is not providing me information if I did what they asked of also they said to me that my request to access my funds WASN'T APPROVED!!!!! after the advocate just said there was no funds on my account now it wasn't approved. I have been crying out for help! they won't help me or release my funds
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore XXXX needs to remove the bankruptcy from my credit report.
Consumer complaint received 2017-06-14
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: Tower Loan of Mississippi, Inc. (LA)

I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted   XXXX   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX  Bank  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 2015-09-20
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC. (VA)

I started keeping a log of phone calls on XXXX XXXX, 2015 and this company ( Midland Credit XXXX ) has called XXXX time up to XXXX XXXX. Calling repeatedly starting as early XXXX. Calling repeatedly within an hours time. When you answer the phone they do not always speak. They have repeatedly been asked not to call and also written notice when they sent a collection letter as the debit is over 13 years old and was paid in a debit consolidation over 8 years ago. When they have called while I was at work others who have answered also requested them not to call. I do have the dates and times called and wish them to stop calling. They continue and I need assistance with this please.
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK (CA)

I called First Republic Bank in California at ( XXXX ) XXXX around XXXX on XX/XX/XXXX. I asked to speak to a mortgage officer to put in a mortgage application. I was transferred to a mortgage banker. I informed him that I entered escrow that morning and was looking to do a mortgage application. He asked me for the address of the property and how much I was putting down. I told him I was putting down 15 % on a {$410000.00} purchase and the address of the property in XXXX XXXX. The banker looked up the property and immediately mentioned that the facade was made out of brick and they do not lend to properties made out of brick. It was clear that the property was not made out of brick, this sounded like a rehearsed line, he even had a catch phrase of calling XXXX XXXX " XXXX XXXX '' or something more pretentious, can't remember exactly. This was clearly an attempt to discourage me from using them as a lender. After this did not discourage me and I still wanted to move forward he said that he was not able to do a mortgage application because they only have two programs, the first where you put down 20 % minimum and the second you can put down less but you have to be a minority or purchase in a highly minority populated area. I realize that {$410000.00} for a condo seems like a lot of money. However, where these banks are located the minimum home price is XXXX XXXX. I was not only discouraged from lending I was told that they would not help me. This is a clear violation of the fair lending act ECOA and FHAct.
Consumer complaint received 2020-10-07
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: Santander Consumer USA Holdings Inc. (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2017-06-14
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. (MA)

an account was fraudulenty p laced on my credit file by transunion. Below is the account information i have requested a proper verification several times from transunion to prove that the account is mine or else they need to delete it frommy cr edit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.     XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}
Consumer complaint received 2017-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Platinum Holdings Group, LLC (MI)

My wife and I have been contacted by a company claiming that we owe a debt that was originally a   XXXX   XXXX   credit card. This debt does not show on either of our credit reports and the company has not provided any written communication. They have claimed to have mailed a letter and filed a complaint with the court but neither have happened. They continue to call and harass family members and friends and have now started calling my employer on several occasions even after I asked them not to. They have said that the name of the company  is Platinum Holdings and keep sa ying that they are calling from the legal department. I have no other recourse to stop these actions from happening. I just received the most recent call on  XXXX  from them and spoke to an associate named  XXXX   XXXX . He says he will not stop calling my employer and family and friends until the debt is paid but yet refuses to provide any written communication or explain why the debt does not show on either my wife and I 's credit reports.  XXXX  is the phone number that I most recently got a call from and it appears to be in  XXXX , CA.
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank approved me for a secured credit card XX/XX/2019. I was told the card was approved and paid the {$99.00} deposit for the card XX/XX/2019. They opened the card and I used it once and paid it off in full before the date of the statement payment. Following the payment in full they shut down the card with no reason and stating that the decision was made by their investigators whom I could not speak with and they have no contact with either. This company is ripping consumers off, stealing money and ruining people 's chances for a good credit score. There is no valid reason for them to close the card after it being opened less than 40 days. There are more consumers this is happening too and it is devastating to think that you all allow this to go on.
Consumer complaint received 2017-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I obtained a copy of my credit report through the app  XXXX   XXXX . I noticed that there was an account on the report that had several errors in it and I disputed the account online through TransUnion. I waited for an investigation result asking for verification of the documents that the credit bureau used to validate this account and none were provided when I called on  XXXX  to check the status of the report the agent told me that the results were given online and that the account was validated by calling  XXXX   XXXX  and they referring that the information was correct. I asked the agent again what documentation did TransUnion have at the time that they validated this account and I was referred back to obtain documentation from  XXXX   XXXX  I asked to speak to a supervisor because I was aware that I could ask for validation of an account and the documentation that was used the agent told me that they were within the correct reporting rights and that there was nothing that she could do. I asked to be transferred to a supervisor the supervisor then told me that the account by verbal confirmation was validated through  XXXX   XXXX  again asked her what information did they have in their files at the time that the information was given she notified me that there was no documentation given. I told her that this was a violation that there are several components that need to be verified before the account can be placed on the credit bureau she again told me that this is within the rights of the credit bureau I told her that if she did not have documentation or could not provide any that the account needed to be removed until the documentation could be given. She said that she would not do that and I told her that I will be filing a formal complaint
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

I made a purchase with my Cash App XXXX XXXX card on XX/XX/2024 on XXXX, a big online retailer for computer parts. My order was shipped and delivered on XX/XX/2024 the package was tampered with and I immediately refused delivery of the product. It was returned to the vendor XX/XX/2024 ( Page 2,3,4 and 5 of PDF ) I opened a claim for a refund. XXXX denied by claim for a refund. This is against their refund policy ( page 6 and 7 of PDF ). I tried to get an answer from XXXX about the refund and they have not provided me answer. I reached out to cashapp on XX/XX/2024 to start a dispute via XXXX and the merchant. I provided Cash App similar supporting document but they still denied my dispute without any just cause ( page 1 of PDF ). This is not right my money has been taken from me and Cash App is not handling the dispute and help retrieve my money which was unjustly taken. I have followed all policy of the merchant, returned the product, had a valid claim and still Cash App does not help me opening a dispute on the XXXX network.I need Cash App ( owned by square ) to dispute this transaction as I have been defrauded by the merchant and they are going against their refund policy. This item was refused upon delivery, and it is within my right to refuse delivery and get a refund for a tampered package.