davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (MD)

On XXXX, Paypal offers all sorts of payment options - this is normal, and they are owned by the same company. I was offered PayPal Credit on an item with 12 and 24 month terms, 0 % interest, for the item plus tax with a box to apply. When I applied I was told I had an account I could use, with not other information provided. This was all within the item for purchase XXXX $ XXXX for 24 months was offered ). After winning the item, PayPal would nt process the PayPal credit option and directed me to Synchrony bank who will now only offer up to {$3500.00} and will not allow partial payment. So - now I am stuck with an item for {$4900.00} and have to come up with some way to pay this - none of these merchants - XXXX PayPal, or PayPal Credit ( Synchrony ) - would honor the terms or resolve the issue in some other way. XXXX told me I could contact the seller and tell them XXXX policies prevent the transaction, but, would not do so on my behalf leaving me ultimately liable. They also said they would report internally the misleading offers - but would not provide me the details, only a ticket number read over the phone. This is classis Bait and Switch - offer something, decline terms, buyer is still responsible for the item.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

XXXX XXXX has 3 different times denied my XXXX Loan Forgiveness ( I've XXXX  for 6 years in a XXXX XXXX XXXX  and still XXXX  here ), because of arbitrary things like " The date wasn't filled out in DD/MM/YYYY format ''. The issue is I'm STILL XXXX   at my XXXX, so despite my principal writing Currently Employed in the " End Date '' field, XXXX denies me for the above reason, which makes no sense. I've tried 3x to receive customer service and each time received circuitous or repetitive responses, and it feels at this point that they are actively trying to deny new applicants for whatever loophole reason they can find. I have PDFs of my application as proof of this if needed.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (AL)

I used cash app a lot for online purchases, sending money within our family etc.. my card was stolen and account hacked and before I even realized it my account was closed. So I made a new one, used it for a bit and they closed it also. They never told me what rule I allegedly violated nor did they allow me to explain that my card was stolen. Unfortunately cash app is the most used app for people I know plus its usable online more than the other ones. Id love to have my account back or be able to have a new one.
Consumer complaint received 2017-06-01
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: EQUIFAX, INC. (FL)

I noticed multiple inquries on my credit report with all XXXX bureaus ( Equifax, XXXX & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
Consumer complaint received 2017-04-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EZCORP, INC. (CO)

on  XXXX / XXXX /   2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt being turned over to collections before. I Was home all day the next day and no one showed up. Call ed my county clerk and  no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX /   2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX / 2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017   XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX
Consumer complaint received 2022-09-08
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXXL XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My house was paid for except small equity line of credit in my mom 's name.i was on the deedXXXX XXXX XXXX XXXX sold this too Rushmore Loan co, they in turn tried to foreclose had to sell at a lower price. I'm wanting full value of that house was a family home. I've turned this over to my law firm to file against this Rushmore, they have bad ratings. They sent no paperwork until attorney sent foreclose papers, then had to sell to investor lost lot of money. Please help on this situation for me. Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OK)

Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (IL)

I have XXXX and XXXX monitoring my credit. I received notification from both that a collection for $ XXXX was submitted on both my XXXX XXXX and XXXX credit reports on behalf of XXXX. The collection agent is Credit Management , LP of XXXX, TX. I called XXXX, and I do not owe them any money and was not even listed on the account that my husband has. They have confirmed that the account that he has is in good standing and being paid automatically each month. I have since gotten a written request to pay this debt by US mail from Credit Management. I have filed a complaint with the US Postal Inspector and will be filing a complaint with the Illinois Attorney General 's Office. I have disputed this item on both credit bueaus. 

I am the XXXX of XXXX at XXXX XXXX XXXX in XXXX, IL. This company is attempting to collect debts not owed by holding credit reports hostage. I will not let them get away with this fraud.
Consumer complaint received 2018-03-23
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)

This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

There is {$9600.00} missing from CHIME account I have tried to inform the company on multiple occasions about this incident but the company refused to assist. In fact it is extremely difficult to react without your mobile device. They even revoked my access to my own account. I don't know what to do. The money was sent to individuals I have NO association with using my chime account. I have requested the bank to help me but their customer service is almost anonymous. I am under a lot of stress because of this. PLEASE HELP ME! 

The dispute Id is XXXX for {$9600.00}
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (IN)

On XX/XX/2018, I sent Bull City Financial Solution a DEBT VALIDATION letter to validate the collection they placed on my credit report. Its been well over 30 days and I havent received anything back from them with this information. As per the FDCPA, I have the right to request validation of the debt. 

I have been a victim of identity theft a couple of years ago and I am trying to slowly start cleaning my credit report due to the damages caused. I never did business with them and I have disputed this collection twice already and I am getting nothing in response. A collection bill is not validation and I have a right to be provided with proof or this collection needs to be removed. Its hurting my credit score badly and making me unable to obtain my goals.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

We have XXXX retail store locations and XXXX seasonal stores that we use Square XXXX to run inventory management and credit card processing. Our fees for inventory management are {$63.00} per month for both retail store locations, which is {$120.00} coming out automatically from our business credit card account. We have used various email accounts for the seasonal store locations for mobile operators to use separate from the retail store locations. Due to the seasonal nature for the mobile accounts the email addresses and passwords are frequently changed. 

Unbeknownst to us, we are also being charged {$63.00} from our business bank account on each of the XXXX retail stores ( {$120.00} ) ; which we thought was for inventory management processing. Because the amount is the same, it slipped through our accounting and we have been overcharged for the last 2 years on services never rendered. We have made countless calls to square to investigate and to turn off remove/refund, and we have to wait XXXX hours for a representative. We were promised a call back XXXX hours, no one has contacted us and its been over a week. Our case number with square is XXXX. No one at square can explain these charges, it appears this was some type of service erroneously signed up for on an old email account we can not longer access. The error charges are as follows per our online banking acct XXXX {$63.00} XXXX, and acct XXXX {$63.00} XXXX XXXX, square can not explain these or shut these off. Please help! 








Each location has a unique email associated with the XXXX XXXX subscription. 

One of the seasonal stores was signed up with this
Consumer complaint received 2021-10-09
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: WELLS FARGO & COMPANY (FL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

I called CashApp support multiple times when I attempted to escalate to resolve and unauthorized transfer to some that I don't know in the amount of {$450.00}. I have requested a refund within the app with no response from the recipient as well. CashApp would not confirm the recipient profile is valid nor attempt to reach out to them to retrieve my money. I need my money back. I don't know this person 's real name, Cashtag or phone number.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020 I sent Capital One an Accord & Satisfaction offer for the FULL amount of the account listed. The 15 days expired for the deadline for the objection to my offer for the settlement. Based on Capital Ones non-objection to a 15-day restrictive endorsement notice, on XX/XX/2020 I included the settlement payment of {$1000.00} for account ending XXXX, and {$450.00} for account ending XXXX. Capital One agreed to the following : Once Capital One receives the payments of {$1000.00} and {$450.00} and upon endorsement of the checks in the amounts for {$1000.00} and {$450.00}, Capital One agrees to satisfy the debt on the above account. 
Upon payment Capital One, agrees to delete any negative items being reported to all Credit Reporting Agencies within 30 days and send me written notice of such deletion : and Capital One, will update the reporting on the account as PAID AS AGREED, with no late- payments or derogatory comments whatsoever, within 30 days to all Credit Reporting Agencies. 
In addition to the above terms, Capital One, must cease all collection or legal activity on the extinguished account noted above, unless debtor goes over 90 days into default on this Accord, which would render it null and void.

Capital One endorsed, cashed/deposited both checks in the amounts listed above, but has not held their end of the Accord. They are still reporting negatively to the credit bureaus as well passed the accounts over to collections. All of which are in breech of the legal binding agreement we have in place. I have reached out to the company every month since XX/XX/2020 but to no avail. I have also disputed with the credit bureaus, submitted all documents to support case, but they have done nothing.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (VA)

After reviewing my credit report i notice a derogatory response in my credit report associated to suburban credit collection in which i sent written notice on ( XX/XX/2021 ) requesting for a validation of this debt under the fair debt collection practice act, that the claim is disputable and validation is requested. instead of validating the debt, Suburban credit collection failed to validate the debt. They equally went ahead to XXXX PIPPA regulations by getting my personal information such as my social security number, a list of my medical record and send them to me on ( XX/XX/2021 ). i never signed a PIPPA form authorizing them to have access to this information. Please i want them to delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

My mortgage loan was transferred from XXXX XXXX  servicer ( XXXX ) to new service provider named AmeriHome on XX/XX/2020 but principal loan amount waht new servicer ( AmeriHome ) showing into their system is higher compared to the principal amount it should be. 

As per payment history information I have copy from previous loan provider ( XXXX XXXX/XXXX  ) it's clearly said on XX/XX/2020 Loan Servicing Transferred with principal Amount of {$500000.00} where as on new Loan Servicer company ( AmeriHome ) keep saying and showing principal amount of {$500000.00}. 

I tried to spend few hours on multiple days with AmeriHome support people and send/provide the proof as document ( payment history from previous mortgage servier ) to them as well but they are just throwing me one department/person to other and not getting help at all into resolve this problem as of today XX/XX/2020.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allgate Financial, LLC (CA)

I have received repeated phonecalls for 3 years from a company which is obviously the same company, but uses a different name each time they call. They are attempting to collect a credit account which XXXX placed for collections almost 10 years ago. It's well outside the statute of limitations for lawsuits. They use threatening language ( lawsuits ), abusive language, they've called my mother, they leave threatening automated voicemails, and they claim to know nothing about previous contacts every time they call me. 

Today they named themselves as " XXXX XXXX  XXXX Department '' with a call-back number of XXXX. 

They always call from either a spoofed number or a private number. They will not disclose the legal name of their company, they do not disclose any mailing address or account numbers, and they refuse to remove my numbers ( personal, work, parents house, etc ) from their systems despite repeated demands to do so.

I have attached various correspondence I have seen to every agency I was able to locate which may be associated with the debt, as well as the one reply I received from XXXX, and several example voicemails I have received.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NM)

I did go into XXXX XXXX Bank to report my atm card lost or stolen. I did file the bank person. So do i owe for it? I also know who stole my atm card from US Bank. His name is XXXX XXXX. He had taken my purse. I was unable to make a police report.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I call Wells Fargo about something on my online account. After talking about it, I said I take care of it and would follow up tomorrow XX/XX/XXXX.
OnXX/XX/XXXX. I returned the call to Wells Fargo to let them know I did correct he problem. Well they said they had to ask me questions to verify and release the block on my account. So they asked me questions about myself and said it was not a match. So now they had to ask me more questions. I remembering this happening several times before. 
They have my money and are asking me questions about my life and determining ifs its a match or not. 
How dare they play these games with my money. They do n't know me. 
They claim there questions about me is based on public data. Public data. When I responded to there public data questions, they have the nerve to say no match. Are you kidding me What kind of game are they playing with my money. They can not have the right to withhold my money based on public data information. They at no time ask me whether the public data information they have on me is true and they use this information to determine if they are going to remove a block on my money. This has to be wrong and illegal. They at no time told me they have thoroughly researched this public data information, cross referenced checked it with me and others and know for a fact this public data info is true or false and then they ask me these questions and tie my access to my money based on these questions. That 's wrong and bad business