davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TN)

I have a cash app and I have had this for a couple of years. All of a sudden two months ago they closed down my app without any warning or explanation. The continue to say I violated the transfer and there is no way possible. I was planning a trip for my XXXX birthday this month and individuals cashapp me their deposits. I see this being done every day. my cash app login was XXXX  XXXX initially and coming and being deposited into my personal account with XXXX XXXX that I have had for years. They shut it down with no warning and no valid reason. I then opened it and connected it to my business account with XXXX XXXX that I have had for several years. This cash app was XXXX  XXXX and just recently they have closed this account down. You have people using their cash app for unethical purposes and still, have an account and I have never done such a thing. I would like to know the reason for the shut down of my account and my account that I originally open re-opened. I have tried to call and communicate with them by email, but their service is awful and limited communication. I am willing to go into a lawsuit in regards to this because I am almost thinking this is some racial bias somewhere in this underlining situation. I am not a XXXX, criminal, or trying to defraud anything, so there is no valid reason of shutting down my accounts.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (OR)

I attempted to open a Platinum Checking Account with US Bank on XX/XX/2019 using the promotional code XXXX which gives {$300.00} bonus for making {$2000.00} in deposits within 60 days of account opening. The account was not able to be opened immediately due to the bank requiring further verification. After half a dozen phone calls back and forth I was able to open the account on XX/XX/2019. Even though the promotion ended on XX/XX/2019 I was assured many times over that the offer had been added to my account and I would receive the bonus if I met the terms. I made the required deposits within 60 days even though it took almost a month and several more phone calls for me to get the debit card and the information I needed to make the deposits. After the 8 week  window, I still hadn't received the bonus so I contacted US Bank to follow up on why. They said I'd met all the terms but I needed to contact my home branch to get the bonus credited. I contacted the branch manager for  XXXX on XXXX XXXX XXXX. Multiple times he told me that I'd met the terms and should get the bonus but he needed to submit the form. He never submitted the form. I followed back with him a week later and he said he'd deleted the info including my contact information. So I asked him to submit the request again which he agreed to do, but never actually did. Today he called and said I wouldn't get the bonus because it was outside the window, in direct conflict with what I'd been told by half a dozen other US bank employees including himself.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

I have copied and pasted the last message I sent them. In addition, I have called more than 4 times since the beginning of XXXX. Each time I have called, the wait time average is 3 hours. When I finally reach someone after hours, they either do not know how to help or have given me incorrect information. 

My latest message sent today, XX/XX/XXXX  : Hello, I requested that the involuntary forbearance that was put on my account be removed -- it is still there, and then it caused my IDR to be denied. I also requested the Graduated Extended Repayment Plan in XXXX, and that has not been processed. I also submitted a Death Certificate for the co-signer of some loans, and that is showing as " processed, '' but no adjustments have been made. 
Please : Remove Forbearance status Resubmit IDR Process Graduated Extended Repayment Plan request Process Death Certificate I have called numerous times, with 3-hour wait times, to explain this situation, but no one has been able to help me. I need some options. At this point, I am begging for help. I have a very serious life-threatening medical condition, and this process has been very stressful.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

XXXX and XXXX XXXX signed up for the USAA Cashback Rewards Plus XXXX XXXX  Card that advertises 5 % cashback on the first {$3000.00} ON BASE, 2 % on supermarkets up to {$3000.00}, and 1 % all other purchases no limit. 

We made 5 purchases all on base, and the first three cleared ( 2 x commissary and 1 x shopette   ) and was not paid 5 %. In fact the shopette purchase appears to to have been paid 1 % and the two base commissary purchases at 2 % ( default for grocery ). 

On XXXX XXXX, XXXX contacted USAA on chat and phone only to be told that the merchant code for the COMMISSARY that is clearly part of the transaction name is " grocery '' and so they won't honor 5 %. 

On XXXX XXXX, XXXX contacted USAA on chat and asked for an example of a merchant code that WOULD qualify as an on base purchase and they said they can not provide. 

I suspect that USAA knows there is NO merchant code that actually signals an on base purchase and thus they will NEVER pay the 5 % cash back up to {$3000.00} because the merchant codes are reported by the actual store. 

Additionally, USAA is a military oriented company. The commissary, shopette, and exchange are common to EVERY military member and their families. If they are a company that requires military affiliation, but then can't understand that almost ALL commissaries, shopettes, and exchanges are ON BASE then they are clearly roping service members in only to not uphold their end of the deal. 

*Details of the program and links are included in the attachment
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It comes with displeasure to have to send an e-mail to you regarding a situation, I have made several calls and as of this morning it is not resolved. For the last 5 years I have been a credit card customer and have always maintained a great line of credit. I have also enrolled in auto pay to ensure that my monthly payment are made in a timely manner if the balance is from {$1.00} to a XXXX. I have authorized charges amounting to {$2600.00} with XXXX XXXX. On XX/XX/19, I logged on to Capital One to pay the {$2600.00} charges and received an error message that the maximum amount that can be paid is {$2200.00}. I backed out of the account and reentered the amount of {$2200.00}, which I got a message completed. On XX/XX/19, I notice that a total of {$4800.00} was removed from my account and paid to Capital one. Immediately I called Capital One and spoke with a supervisor identified as XXXX # XXXX, and advise her of the issue and requested that the {$2200.00} be refunded/reimbursed to my account. She indicated that she would process a claim to have the funds refunded. On XX/XX/19, I notice that the fund were not returned so I call and spoke to a supervisor identified as XXXX XXXX XXXX who advise me that it would take up to 5 days to have the funds transferred to my bank. Today I called and spoke to XXXX # XXXX who advise me that the timeframe for payment investigation takes up to 5 business days. I am astonished on so many levels with this situation. First how was the {$2600.00} taken when it error out? Then why would the system allow so much money to go into one account when my account balance was only {$460.00} that was scheduled to be auto pay on XX/XX/19. Also, after the error we discovered that too much money was deducted and attention is brought to your company why am I forced to wait so long for the error to be corrected? Why was the {$2600.00} that wasnt authorized to be removed from my account. Finally why did I get three different explanation of how this error would be corrected? I also ask that a paper check be overnight to me and was advised by XXXX and XXXX that your company does not have the capability to send me a paper check. 

It sadden me in this day and time when an issue of this magnitude happens there is no exception to company policy that can had an issue resolved in a more timely basis. I await to hear from you and if you need to speak with me my phone number XXXX.
Consumer complaint received 2019-06-25
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. (MA)

XXXX XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by XXXX XXXX XXXX or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX  removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me XXXX
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MA)

XXXX  XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date isXX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX  and was told The servicing was sold to a company called SLS Specialized Loan Servicing . 

I was never notified by XXXX XXXX XXXX or SLS ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on SLS that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about SLS they will still report it late due ti know fault on my part Thank You and PLEASE help help me XXXX
Consumer complaint received 2019-06-25
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. (UT)

Experian, XXXX and XXXX are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these XX/XX/2019 lates. I would like all these lates removed from my accounts.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

2nd installment of taxes were due XX/XX/19. Escrow payments were collected in the full amount with surplus. I called in to verify and sent a letter of past due payments. XXXX my account shows the money was withdrawn. Taxes are still not paid and are now incurring penalties and fees. I have asked for a proof of the check that was issued along with proof of penalties and fee payments. XX/XX/XXXX and still no progress. 

No supervisor has ever called me back, I have called over 20 times now.
Consumer complaint received 2019-06-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (PA)

midland funding stating I must call them to resolve debt even after the SOL has passed for PA! looking over their website, credit report the information they are stating is WRONG! attached photos. they are saying on their website they will STOP reporting after 2 years -- its been over 2 years and they are still reporting. the main creditor has removed themselves from credit reports. midland is lying ( prev complaints ), PER credit report they will fall off my credit reports
Consumer complaint received 2019-06-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, I started to pay off my private student loan with Wells Fargo, which was a disbursement of {$16000.00}. As of XX/XX/XXXX, I've already paid roughly around {$17000.00}. 

I called the bank regarding the remaining outstanding balance I see on my account, and it's standing at $ XXXX. 

I asked why the amount was so high and they informed me it was due to the interest. Apparently, all my payments were being applied to the interest, not the principal balance. 

To my understanding, the interest should accrue either monthly or annually. However, they informed me that the interest rate, which they informed me was 10 %, has been accruing daily and will keep accruing interest until the loan is completely paid off. 

I want to report fraud that interest should not be accruing daily, or I'll never pay off this loan. I tried requesting a copy of the contract and I've yet to receive it.
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nevada Credico, Inc. (NV)

I have no recollection of this debt. I have tried to reason with this company several times but they have given me little to no options as far as settling and removing this from my credit report. They have threatened me with legal action and threatened to garnish my wages. They are a company with a questionable background and predatory tactics. I believe they are taking advantage of the fact that I am a XXXX veteran and are trying to take money from me.
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking at my report lately and noticed credit inquiries that were not made or authorized by me. 

XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2019-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has taken more than 30 days to deliver the results against in violation of FCRA 611 ( 15 U.S.C. 1681I ) for the following accounts XXXX , XXXX   XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept Of Ed/XXXX XXXXXXXX Dept Of Ed/XXXX   XXXXXXXX Dept Of Ed/XXXX XXXXXXXX Us Dept Of Education XXXXXXXX Us Dept Of Education XXXXXXXX Us Dept Of Education XXXXXXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2020-05-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (GA)

On, XX/XX/2018, XXXX ( Calinber Home Loans ),  ran my credit for a home mortgage loan. I did not authorize this transaction from occurring. I was not aware of such a transaction occurring with my personal information.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

i called american express credit cards i spoke with customer service during covid-19 i lost my job and having financial problems but i offered to pay half of what i owe balance is {$4500.00} i offered to pay {$2300.00} and the lady with americamn express customer service told me pay XXXX dollars down and XXXX a month and they would'nt close my account and no penalties and i honered their payment plan and paid XXXX total then phone misteriously disconnected i called backed now a man answered the phone in customer service said that my account will be closing and i would have to re apply for card even tho other clerk id number XXXX told me different which i actually did pay her terms now american express changed the deal during united states covid -19 hardship thats effecting  everyone leaving no one to spare during this disater relief program american express has i really believed i was going to get help from this credit card company i would like for american express to honor the deal they promised me or atleast let me pay {$2300.00} and give me 2 weeks for balance but they agreed on term of XXXX a month now breaching the verbal contract just need help please
Consumer complaint received 2020-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I made a request with Fed Loans in XX/XX/2019 to recount my eligible payments for the Public Service Loan Forgiveness Program, as the count looked inaccurate to me. It has now been 11 months, and I still have not received the updated count. I have called a total of 3 times in the 11 months, most recently one month ago, and was told that sometimes it " just takes this long. '' I explained the situation, and that my loans have only ever been with one other servicer, and also tried to escalate the conversations to a supervisor, but no one has been able to move this along for me. My loans are pretty straightforward ( only medical school debt, no private loans, all consolidated federal loans ) so I am unsure why it has taken almost 365 days to clarify my qualifying payment count.
Consumer complaint received 2020-05-10
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS
Consumer complaint received 2020-05-10
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. (CA)

XXXX XXXX account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. XXXX XXXX has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from XXXX XXXX XXXX and is requesting my credit report to be updated.