davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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: SUN LOAN COMPANY INC. (TX)

There was a report of a loan due from Sun Loan Company. The loan was taken out in Illinois and i have lived in Texas for more than 30 years. I had my identity stolen back in the year 2000, since then a lady has been using my social security number. She took out this loan as well as other credit cards she never paid back. I have her address in my credit account. A report to the IRS was made a few years back.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

At the end of the year XXXX I had dental treatment and used a Care Credit card that was approved for me worth {$3000.00}, of which I used {$2600.00} for my treatment. I had to make minimum payments of approximately {$60.00} and to pay quickly I decided to make recurring payments of {$100.00} each month. Since that same month I started making my payments ... and as of today I have a balance of XXXX and I have an available balance of XXXX. So I have paid more than {$1300.00} to date and I still owe them much more than I used the card. Below I show you how I was charged these ABUSIVE INTERESTS : Note : Extra charge for PYMT without authorization XX/XX/XXXX Posted {$49.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$69.00} INTEREST CHARGE ON PURCHASES Payment XXXX XXXXPosted {$100.00} AUTOMATIC PAYMENT FeeXXXX XXXXPosted {$49.00} PYMT CARD SECURITY XXXX Interest XXXX XXXXPosted {$69.00} INTEREST CHARGE ON PURCHASES PaymentXXXX XXXXPosted- {$100.00} AUTOMATIC PAYMENT - THANK YOU FeeXXXX XXXXXXXXPosted {$49.00} PYMT CARD SECURITY XXXX XXXX XXXX {$66.00} INTEREST CHARGE ON PURCHASES PaymenXXXX XXXXPosted {$100.00} AUTOMATIC PAYMENT - FeeOct XXXX {$48.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$70.00} INTEREST CHARGE ON PURCHASES PaymentXXXX  XXXXPosted {$100.00} AUTOMATIC PAYMENT - FeeSep XXXX Posted {$48.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$63.00} INTEREST CHARGE ON PURCHASES Payment XXXX XXXXPosted- {$100.00} AUTOMATIC PAYMENT - FeeXXXX XXXXPosted $ XXXXPYMT CARD SECURITY XXXX InterestXXXX XXXX Posted {$130.00} INTEREST CHARGE ON PURCHASES PaymentXXXX XXXX Posted $ XXXXAUTOMATIC PAYMENT - FeeXXXX  XXXXPosted {$47.00} PYMT CARD SECURITY XXXX Interest XXXX XXXXPosted {$150.00} INTEREST CHARGE ON PURCHASES PaymentJul XXXX {$100.00}
Consumer complaint received 2015-07-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Chexsystem Consumer RelationsXXXX XXXX XXXX XXXX, MN XXXXInaccurate marks on my financial reports and failure to inproved the marks to obtain credit cards and bank accounts.Would like to know what laws can provide with me with failure to keep financial records accurate.Would like to request a Federal Bureau Of Investigations and XXXX XXXX XXXX Investigations on the ChexSystem Company.To resolve my burdens on financial living progress.And the damage they have caused.
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NJ)

I paid for a hotel stay, including a {$71.00} deposit on XX/XX/year>. The hotel released the hold and credited the funds back to me on XX/XX/year>. Cash app never released those funds back to me. I reached out to an advocate and was told if I provided the folio from the hotel with a zero ( XXXX ) balance, they would credit my account. I supplied them with the folio and they are still refusing to give me my money back. On another incident, I placed an online order with XXXX for the amount of {$120.00}. The order was cancelled as the item wasnt available. XXXX says they have credited my account but cash app still has a hold on my funds and will not release them. This is {$200.00} of my money that they are holding for no reason.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX / XXXX / {$450.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding said they sent me proper notice, which they did not, I also sent a letter to them to see if we can work out some type of arrangements on this debt and no response. Each time I reach out to them it is no response. This alleged debt is damaging to my credit and I need it removed. They failed to validate the debt and they fail to respond to work out some type of payment arrangements so this can be removed from my credit report.
Consumer complaint received 2015-10-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

Hello, I got a payday loan from CastlePayday.com after receiving a flyer in the mail. At the time I needed the money so you do what you have to do. When I was going through the process I thought my payments would be {$100.00} per month. I only got a loan for {$400.00}. Well, each month this company is debiting {$280.00} from my checking account. I have contacted them as asked for a specific payoff amount and also advised that debiting from my account is no longer authorized and I would like to call in and settle this account.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Acceptance Corporation (FL)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) continued to automatically bill our XXXX XXXX XXXX XXXX card ending in XXXX, even though we had cancelled our contract. When the attempts to fraudulently debit funds were denied by our credit card, the charges went to collections ( Affiliated Acceptance Corporation, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX ).
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (MD)

I am writing to file a formal complaint against PNC Bank regarding a concerning issue related to the protection of my funds and their refusal to refund {$480.00}. I believe this matter requires a thorough investigation to ensure consumer rights are upheld. 

Despite the expectation that PNC Bank would safeguard my money, there has been a notable lapse in their duty to provide adequate protection. I have experienced financial loss amounting to {$480.00}, and despite asserting their moral obligation to protect my funds, the bank has failed to take appropriate action. 

Moreover, the bank 's refusal to refund the aforementioned amount raises serious concerns about their commitment to resolving customer disputes in good faith. I am left without the resolution that one would reasonably expect from a financial institution, and this lack of cooperation has only added to my frustration and financial hardship.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I deposited XXXX checks {$73.00}, {$67.00}, {$35.00} into my square account successfully on the above mentioned dates. A month later I found out the checks were declined by the bank. I received no communications from the bank. not on my XXXX XXXX that the checks were declined, nor in writing. I called them today, XXXX and found out they imposed a new requirement to write on the back of checks mobile deposit to square only. However, I was not informed of the new rule, I have not kept the checks I deposited because I have been depositing checks regularly since XXXX and have had no problem until now. 

It is wrong to set new rules for deposits and to decline a payment without communications and notifications.
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Phoenix Recovery Group (TX)

I get repeated calls from a company called XXXX XXXX ( XXXX ) for a debt they say I owe. I told them the number they are calling is my work number and not to call me. They told me I owed money to someone that I have never received a statement from, or even a phone call from. If money was owed, I should have received some sort of communication from that company. It is that companies obligation to send me a detailed statement of any charges. The people at XXXX XXXX are extremely rude and even though I asked them not to call me at work, they still do. This unfair collection practice needs to stop, and if money was owed why have I never been billed.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (PA)

American Express does not list the actual due date of my credit card statement. Instead, they put a " Please Pay By '' date that is early in order to trick consumers into paying off their bill early. This is extremely misleading and, frankly, predatory. Companies should be required to list the actual due date of a bill to avoid fees and credit issues - it is a pretty simple request.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (VA)

On XX/XX/year> I called cash app customer service phone number XXXX and spoke to XXXX who I explained that I had closed my previous cashtag due to being so by cash app customer service when i was asked to upload documents to show my name change on account, i had uploaded the required documents to the link that was provided to me 4 times but everytime i called to follow up i was sent another link to upload same documents so i got frustrated and closed the cash tag but i had used it to purchase an office chair from XXXX. I opened a new cash app account using my name but when i received my office chair it was faulty so i returned it and was refunded but since i had used my closed cash app account, the payment was returned to original payment. I called XXXX and verified i had been refunded on the closed cash app account on XX/XX/year> for the amount of {$140.00}, XXXX rep XXXX informed me that if cash app cancelled or declined the payment then it would go back to XXXX and they would be able to manually pay me to the new payment method but when i called cash app i was asked to verify Full legal name, current cah tag, previous account cash tag, phone number and or email address linked to previous account, and which account i would like to use, i provided this info to XXXX on XX/XX/year> from XXXX to XXXX but she said she was getting an error in her system and escalated it to the supervisor XXXX for manager override, The manager XXXX responded to me via email and asked me to provide the same infor i had already provided XXXX and i responded to her email with the information, she then sent me an email that my request to either access my old cash app or transfer the money to my new cash app account was declined and the case according to her was closed and there fore she could not assist me further for the protection of my money. I asked her to cancel the transaction to which she also declined
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to get my credit report from Transunion says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get XXXX credit report or XXXX credit report don't know why. Because these are free to receive every week.
Consumer complaint received 2017-01-30
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ditech Financial LLC (IL)

In regards of Ditech LLC Mortgage servicer Above agency have claimed its jurisdiction over default mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2016 assigned from XXXX In its process Ditech has demand immediately payment of full dept and keep reporting purported dept to all Credit Bureaus regardless to my dispute and dept validation request. In its respond dept validation request Ditech serve me its " validation package documents '' full of multi copy of same documents with not my authorize signature and foremost no security instrument include therein. In this period of time XX/XX/2016 thru-XX/XX/2016 Ditech has also presented them self as rightful assignees of XXXX contrary to its own deed/assignment produced over 3 months later XX/XX/2016. After that time-line Ditech start over its deceptive practice with exact respond and non professional/ignorant conduct dishonor and disregard all my notice of error and request of correction and/or address the issue. During the whole time Ditech also keep change its account agent individuals with valid phone number however none existing and/or unreachable extension number. On XX/XX/XXXX Ditech has produce HAMP/Modification Trial Plan on its own with no my consent and/or request and/or application submitted therein, which is fraud by inducement.
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today.
Consumer complaint received 2016-05-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NJ)

I used XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NV)

When my credit was pulled there was an account from Enhanced recovery for XXXX.I requested validation of debt including contract and account history.The date they are reporting is not accurate and what they submitted proves the way it is reporting on credit is not correct. I have disputed with the bureaus and yet this company still reports inaccurately. They are indicating that the account opened XX/XX/XXXX yet the final bill was received XX/XX/XXXX and what the collection company forwarded was nothing more than a bill showing total due for billing period of XX/XX/XXXX-XX/XX/XXXX and and bill Date XXXX/XXXX/XXXX and it reporting a previous balance of {$1200.00}. No break down of fees or anything. I did save the final bill received from XX/XX/XXXX. I want this deleted and any reference to this on my credit report. It is also past the statue of limitations for collections in NV. I have attached all documents I have referenced above. I am also sending a copy of the letter that was sent asking for validation.
Consumer complaint received 2016-01-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have a loan with rbs citizens bank. Their fees are ridiculous if you ever get behind in a payment they talk to you like XXXX terrible customer service i tried to defer my car payment do to hardship they denied it i asked could they change my payment day later in the month they refused to. Two days before my loan was 2months behind i tried to pay for one month they refused to take my payment they demanded i pay for both months and a ridiculous reposession fee. My car was never repossessed they told me the fee was because they submitted it to be repossessed on top of these ridiculous late fees i am current with my loan but for some reason they are still charging me late fees. I dont like to call them because they are so rude
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

We lived at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA from XX/XX/XXXX to XX/XX/XXXX. This apartment complex is owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time when we lived there it was managed by XXXX XXXX XXXX, and is currently managed by XXXX XXXX XXXX Two weeks before moving out we did an inspection with management, and they did not find anything that would have required us to make repairs to the apartment. We have photos and videos of the condition of the apartment when we moved out showing it was in good repair and clean. 
A final inspection and accounting of repairs was due back to us on XX/XX/XXXX but we never received it. We sent an email to XXXX demanding a final accounting on XX/XX/XXXX. This email never received a response. Our security deposit of {$600.00} was not returned. We never received another communication from this apartment complex. They had our phone number, email, and forwarding address. The landlord of this property is in violation of CA tenant law, Civil Code 1950.5, by not providing a final accounting to us within 21 days of vacating the property. 
Around XXXX of XXXX we began to receive several phone calls a day that registered as scam likely. On XX/XX/XXXX we answered one of these calls and it was Transworld System Inc. claiming to be a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. They are claiming that we have an outstanding debt of approximately {$35.00} for painting services billed by this apartment complex. 
If you read the XXXX reviews of XXXX XXXX XXXX, several other people are being harassed by debt collectors from this apartment complex for debt that is not owed. 
We have tried to resolve this with both the property management company and the debt collection agency. We have sent certified letters stating that we do not owe this debt and have put the debt in " dispute '' status. Neither company has removed the illegal debt or told us why we are in this position in the first place when we were never contacted about owing anything to this apartment complex, and they actually broke the law by illegally retaining our deposit. We have filed a small claims lawsuit to try to recover our deposit, but we need to be removed from collections.