davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
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: National Credit Adjusters, LLC (DE)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2024-01-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I vehemently dispute the XXXXXXXX XXXX account ( XXXX ) on my credit report, opened on XX/XX/XXXX, with a balance of {$300000.00}. A glaring glitch in the creditor 's systems wrongly marked my XX/XX/XXXX payment as late, despite timely payment, and their verbal promise to fix this issue urgently. I demand immediate correction and vigilance from the bureau in rectifying this damaging error.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens One billed me for a phony loan to pay for an XXXX XXXX all access purchased at XXXX. I never purchased an XXXX XXXX and and never applied for a loan to pay for the nonexistent XXXX XXXX. This was the subject of CFPB Complaint XXXX. After extensive attempts to resolve this problem with letters and phone calls, Citizens One sent me a letter on XX/XX/2021 admitting that I had been the victim of identity theft. However, they did not provide the particulars that would enable me to file a police report. Citizens One did provide a link to XXXX  XXXX  to enable me to monitor my credit report with XXXX. XXXX XXXX sent me a letter advising me that Citizens One had defamed my credit by reporting a delinquent amount of XXXX under the payment status Collection/Chargeoff. This is clearly a per se violation of the Fair Credit Reporting Act and Olympic level incompetence. Citizens One ignored its own investigation in declaring that I am delinquent by not paying them.
Consumer complaint received 2016-08-24
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Navient Solutions, LLC. (CA)

My name is XXXX XXXX XXXX, but I was XXXX XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back
Consumer complaint received 2019-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

I sold items through XXXX XXXX is clear customer has product when I try and transfer funds to my bank account PayPal charges excessive fees and does not transfer funds timely taking over a week making excuses not to transfer holding my funds
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Franklin Collection Service, Inc. (FL)

I never signed an agreement with this company and when I tried to settle the debt, the collector did not negotiate a price I could afford monthly! She told me I had to make an upfront payment to be able to schedule an affordable payment on  XXXX   XXXX
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NM)

I have been attempting to find out how much is due and they told me that they have to compute how much is owed and it will take several days for that to be computed. They have stated to me that they do not know how much is owed or what has been paid.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (AR)

I lost access to my cash.app account when my phone number was changed. I still have to account numbers and debit card number for the account. I am willing to provide my government issued drivers license and other documents as needed. I created another cash.app account to access the support option according to the support procedures to regain access to the account. I contacted support by message and by phone. While on the phone with cash.app support, the representative was unwilling to provide necessary service and refused to assist with restoring the account due to me being unable to recall the email linked to the account. I asked the representative to locate the account based on the account number or debit card information but he alleged that was not possible. I believe my account was hacked and the information linked to it was changed and that is why I am unable to provide information such as email or phone number that is currently linked to the account. I requested to speak to a supervisor and the representative refused to transfer the call to any other support representative. Instead, the representative rudely and abruptly terminated the call without any forewarning. Following the call, the cash.app account that I made to access the support department was closed and I lost all access to that account as well. It is imperative that I regain access to my account because my tax refund is supposed to be deposited to the original cash.app account and if someone else has accessed it, that person will steal my tax refund. Further, without an open account to deposit to, the IRS would divert the refund from direct deposit to an address that I no longer live at and the check sent would be received by the person that I believe is responsible for stealing my tax refund for the years of XXXX. Cash.app is FDIC insured and operates using similar processes compared to banks. There is no valid reason why my account can not be located using the account number and debit card number and why identity verification using my valid government issued documents is not an available option to regain access to my account. It would be sufficient for any bank in the country. It's sufficient for any department of our government. Why is cash.app exempt from following the same standard procedures as every other entity providing service to consumers related to finance?
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX  XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Consumer complaint received 2017-06-15
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. (IL)

XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My original compliant turns out to be the the same thing, incomplete information at the Attorneys help and settlement, SPS has not been fair in it dealings, they honestly did not review with is a part of the settlement. Why would you close a file in XXXX days because you can not figure out That CDCR is XXXX XXXX XXXX XXXX XXXX XXXX, but you have current paystub labelled State of California? Seem to me there into stealing houses for XXXX XXXX, criminals. Everyone, else modifications except t ; hem why???
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I reported Fraud to One West Bank on XX/XX/XXXX. One West is always closed, computers down for days, hanging up on customers, etc. One West keeps LYING putting off CREDIT to my account. I went in and signed a Fraud Affidavit dated XX/XX/XXXX WHICH IS ATTACHED AND CALLED Fraud into Customer Service. Everyone said I would receive credit in 10 days. Then One West lied and CHANGED IT TO 10 BUSINESS DAYS. On XX/XX/XXXX XXXX XXXX, Supervisor PROMISED my account would be credited on XX/XX/XXXX. I HAVE NOT RECEIVED MY CREDIT.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

XX/XX/XXXX afternoon, I've entered incorrect recipient personal identifiable information for a Business/organization ( as provided in the option ) for purchase of goods/services of {$490.00} because the business refused to provide their address and claimed that it is a sensitive information. The required information provided to TransferWise for sending money to the recipient was incorrect. The company did not do its due diligence in ensuring that the purchase/sale of a product/service from an organization/business ( Wise provided this selection without differentiating between sending an individual/family/friend whom you can trust and a business/organization where consumer protection is warranted ). I had input my information instead per recommendation for shipping purpose. The business refused to send the product that I have paid via TransferWise, and there was no cancellation button seen on the app. Wise was not available on the weekend as soon as I detected that the business disappeared from active communication, so when the weekend was finally over, I had called Wise to request for a cancellation to which they claimed to have successfully sent the money on XX/XX/XXXX.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MST Financial Services, L.L.C. (ID)

A collection agency had reported I owe a debt I wasnt notified I found it on my credit report then them about it and told them it 's not mine and they wo n't remove it I have a right yon dispute before they ruin my credit they never gave me notice to dispute this collection just marked as a collection on my credit report shame! Also they wo n't remove it do n't they need proof or have to prove it?
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (CT)

I am writing to escalate a critical issue that has persisted for over two months and I've exhausted reaching out to CashApp. My bank mistakenly initiated disputes for three transactions totaling {$600.00} ( {$200.00} each on XX/XX/23, XX/XX/23, and XX/XX/23 ) sent to XXXX XXXXXXXX. 

Cash App subsequently refunded these disputed amounts due to the bank 's error. XXXX XXXXXXXX contacted me directly about the missing funds, and I confirmed the mistake with my bank. My bank has since reversed the disputes, but the refunded funds have not yet been returned to XXXX XXXXXXXX. 

I initially contacted Cash App support via email and was informed that I needed to provide proof of the reversed disputes from my bank. I immediately responded to the email with the requested confirmations but haven't received any updates since. 

This situation is causing significant financial hardship for XXXX  XXXX and myself. 

Since originally contacting them, I have been pushed around and actually have had them hang up the phone on me multiple times. 

My Cashapp information : Username XXXX XXXX XXXX  Email : XXXX Attached I have emails from my bank noting that they have closed the disputes, and no funds were recovered. Also, a chat thread where a support agent states that I attached proof they will reverse. 

Ticket number that I am aware : XXXX XXXX
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA steals merchants credits claiming 2 credits on one purchase All Adjustment Purchases are INTERNAL and never appliied NOTE TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$910.00} And {$2600.00} Other credits that did not apply. USAA uses the appearance of credits by listing them however they are not part of the TOTAL CREDITS Consumers are tricked into thinking USAA credited and Merchant credited also so credit reversal valid BUT these do not credit So then USAA STEALS MERCHANTS CREDITS AS REVERSALS Leaving consumers back with fraud and a new charge not owed
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (WA)

Tate & Kirlin Associates sent me a letter on XX/XX/XXXX stating I owed {$280.00} to creditor XXXX XXXX XXXX. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XX/XX/XXXX. No one respnded to my letter. I received a similar letter on XX/XX/XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my Equifax, XXXX and XXXX reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

On X/X/17 at XXXX XXXX I went online to make a payment to pay my XXXX XXXX XXXX balance to a {$0.00} balance. I then reviewed my account and saw I was hit with a {$27.00} late fee And a {$1.00} Finance charge. When I contacted comenity I talk to 3 separate account managers all of them who said they will not remove my late fee because I paid the account 32 minutes after there cut off time. There is no where on the website that states their is a cut off time.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IA)

I deposited a check for {$1700.00} on XX/XX/year> into my cashapp checking account. It was held for review until XX/XX/year> in which it was cleared and released to my account. On XX/XX/XXXX I received a notification that my checking account was negative by {$1600.00} so I immediately contacted cashapp and they said that check had been reversed due to suspicion of fraud but it was held for 5 days for review and then and then another 5 days later I got the notification that the {$1600.00} was taken from my account and I was negative that on an account that was only alotted a negative {$25.00}. I have contacted them several times since and they refuse to take accountability for letting someone take {$1600.00} out of my account or tell me how they were able to unclear a cleared check since its not supposed to be done by any company or how the two are even relevant to one another since its not the same amounts, or within a reasonable time frame to one another or any sort of clarification instead they refuse to discuss the matter any further. They are also refusing to let me have the funds that are still in my savings account.
Consumer complaint received 2021-09-03
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc. (PA)

On XX/XX/18, I contacted XXXX to settle a past due debt. They informed me that my account was being handled by Diversified Consultants and gave me the number. I immediately called Diversified Consultants. I explained that I wanted to settle the debt of XXXX that is reported in my credit. The representative gave me 2 different amounts, each time putting me on hold as if he was speaking to s supervisor, before we both agreed on an amount of {$500.00} plus change. I asked him to send the settlement to me in email so that I could have it in writing before paying. He told me he didnt have access to email. I then asked him to mail it to me and I would pay it although I wanted to pay that day. He told me they dont do that unless you give them a credit or debit card to put on file first to know that you are serious about paying the debt. I told him that I was not going to give my card number to anyone without confirmed amount so that they could take my money then state that they did not agree to the settlement. He then said thats why they recorded the calls. I again explain that it was not smart for me to do that, I asked fo the letter again, told him I was going to pay that day once the amount was confirmed in writing. He would not budge and began to raise his voice when I asked for a supervisor. Hed told me the supervisor was going to tell me the same thing as he did so I ended the call without a resolution. The next day I received calls and got hung up on twice by a different representative.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On Monday  XXXX   XXXX  I went in to Chase Priv ate Client branch located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . I asked for a private account. I was tricked into believing a ge ntleman was working for the FBI and investigating the bank and my inheritance was basically stolen from Chase Bank NA.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

Medical debt for services received on XX/XX/XXXX that has a history of not being billed correctly to the insurance company.

Three notifications have been made to XXXX and i even connected them directly with my insurance provider. The biller continues to bill the wrong carrier. 

The biller has turned the account over to Medicredit, a debt collection company. 

Documents mailed directly to XXXX Consumer Response Specialist on XX/XX/XXXX.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (AL)

I 've been usin  g PayPal for over 10 years so I decided to try giving their credit card after getting a promotion for six months no interest.
I set up auto payments thinking it would automatically pay the account off when it became due, but it did not. So, I was charged almost {$200.00} in interest fees, and although I paid off the balance when I saw what had happened just one day later, they would still not waive this interest fee.
Any other credit card company would have waived this fee, but PayPal is sticking to their dishonest business practice of not notifying you that the auto payment will not pay off the balance, and they will not waive the interest fee even though you paid the balance off immediately after becoming aware. They also DO NOT CARE how long you have been using PayPal.
Needless to say, do not sign up for their credit card, even from   a promotion. IT IS A SCAM!
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

This letter is a formal notice of my intent to file a complaint with the FTC, due to Bureau blatant and objectionable disregard of the law. 

I have submitted 2 letters to Bureau for disputing medical collection on my credit report. To date Bureau has not done their duty as mandated by law.

Federal law requires Bureau to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 


Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.