davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have been disputing incorrect information on my Experian XXXX XXXX XXXX credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. XXXX creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (PA)

I sent them a final payment, a restrictive endorsed check for {$25.00} which is legally binding. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I have attached my cashed check and the letter I sent. This was deleted from all XXXX bureaus and have been re-inserted without notification which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (TX)

My issue is with Bank of the West regarding a payment I sent to pay off the loan for a recreation vehicle loan. 

On XX/XX/2020 I sent a payment of {$36000.00} ( via USPS signature required ) to Bank of the West for the purposes of paying off the loan. 

On XX/XX/2020 Bank of the West signed for the payment, validated through the USPS website that shows the name of the person who signed for the payment. As of today, XX/XX/2020, the payment has not been posted to my account. 

I have attempted to contact Bank of the West by using their website messaging system, with no response. 

I have also called Bank of the West daily since XX/XX/2020 in an attempt to obtain a status update - why the payment has not been posted. Each time I have called I was on hold for over an hour and half then subsequently disconnected at the hour and half mark. 

I have contacted the XXXX XXXX XXXX  for help and they too have not been able to help. No one has contacted me from Bank of the West.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank returned a payment check made on our account because it was over the amount of the balance. According to both the cardholder agreement and a telephone conversation with Capital One Bank on XXXX/XXXX/2016 only balance transfers made online are required to be submitted for an amount at or below the balance due. This payment was made with a two-party check endorsed from our company to Capital One Bank. Instead of returning the check to our address on file, Capital One returned the check to the payor address listed on the face of the check along with a letter with account specific information ( email confirmation of details provided to third party attached ) including balance details. Providing this information to a third party without our express consent is a violation of both the Capital One cardholder agreement and federal law.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (AL)

I was ineligible for stimulus at time they began, however XX/XX/2020 I became eligible. I'm on s.s I. Am basically impoverished poor health uneducated and have had multiple major head trauma. Left side of face metal. I applied through the it's an had read more than once to get funds sooner use a bank account. I had just started using Cash app so used it. Unfortunately a vehicle I was buying got impounded it was still in person 's name so they got it out, my wallet phone Cash app card several other items weren't there. I'd forgotten I'd used routing number on card. I often lose phone 's I D. Card 's forget passwords e mail addresses an so on. After many e mails Cash app support that's only accessible via e mail finally told me they could see where deposits we're made to that account. I've done everything they've asked to try to retrieve this money During this process I've lost at least 3 other phone 's at one point they said they couldn't transfer money for security reasons. The e mails seem scripted. I asked was there no other way to prove my identity? I thought the phone to be stolen if the money was deposited and moved it was stolen and I need to know if it's not and I'm The only one e mailing trying to recover why not shut down account send money back to irs. As I've said I'm very in need and don't know that what they're doing is even legal. My name is XXXX XXXX, the old phone linked to account was XXXX XXXX XXXX, my current phone number is XXXX XXXX XXXX e mail XXXX thanks
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On Friday XX/XX/XXXX I received a text message indicating that my father sent me {$20.00} through Cash App. I clicked on the link to receive the money and it took me to download the app. Once the app was downloaded I went through the process of signing in. at one point it asked me to confirm the card number XXXX. I did not recognize this as the last 4 digits of any of my cards so I chose whatever option was at the bottom of the screen indicating that I was not able to complete this task. The app then took me through the process of what I realized after was creating a new account. After this was completed I went back to the original text I had received to accept the {$20.00} and I was informed that the money was already claimed however the {$20.00} is not in the account I had just created. 

When I informed my father of this he confirmed that when he went to send me the money it indicated to him that I already had an account. In the process of setting up the new account it asked me to enter my debit card number, it was through doing this that I realized the " XXXX '' was actually the FIRST 4 digits of my debit card, therefore this also indicates that I already had an account prior to the one I had just set up. 

I contacted Cash App that same morning via an online customer support message. I did not receive a message back until the next day, Saturday XX/XX/XXXX. I responded to the message from XXXX and included as much of the information she was requesting as possible. I did not receive another message back until Monday XX/XX/XXXX and that message was from XXXX, asking for similar information. I replied to this email and did not hear back again until yesterday XX/XX/XXXX from yet another person, XXXX, again asking for the same information that I explained in the previous emails that I did not have. 

I called Cash App yesterday and spoke with a customer service representative and explained my frustration with the email communication and requested to speak with one person to resolve the issue. She instructed me that I would need to communicate via email for security reasons. I asked to speak with her manager and she was unable to connect me with a manager. 

No one is able to provide an answer or explanation as to where the {$20.00} went.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TN)

So I made a donation to a teacher 's thing with my best buy card. I had a targeted {$25.00} best buy certificate with {$500.00} in spend so I decided to use my Best Buy card. 

When I logged in it said no interest with payments for 6 months. I know the best buy card is either good for no interest for x amount of time or points. Not both. I wanted the points. I have never signed up for a deferred interest item in my life. I called the number on the back of the card and got bounced around for about XXXX hours. Then got a rep that could talk to the back office but they couldn't fix it and that was another XXXX hours
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I received {$150.00} and {$50.00} from two family members through Cash App. I accept the fund and cash app stated that I would receive the fund to my personal account on Tuesday, XX/XX/2021 however I never received the {$200.00}. I called my bank and was told nothing is pending. I need my funds. Also, I called my family members and the funds have been disbursed on their end. I notified Cash app through my app because that is the only means of communication, which is unprofessional. Please assist with this matter.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (HI)

I knoticed transactions on my prepaid card account that were made via cash app I contact cash app in reference to those unauthorized charges and cash app informs me that someone created a cash app account in my name and used my debit card to send money via cash app. So I ask cash app where was my money sent to they wouldn't tell me where they wanted me to give them the cash tag for the person received the money I respond that I don't know what a cash tag was and not does it say that on my statement I give them what I have on my statement and ask them to close any accounts that have my card linked to because of unauthorized charges and it's fraud I'm told to contact my bank to dispute those charges and I do that but my bank declines approval of dispute stating after contacting cash app they deemed chargers was authorized when I have never used cash app before they have not done anything to help locate my money or gave me info to recover my funds so I have taken out of this situation is that cash app will allow fraud transactions to occur and do nothing to help recover funds I don't know what email was used I can only provide my card number that was used and cash app does nothing except say that's all they can give me case closed
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (NC)

On XX/XX/2021 I made a withdrawl from my checking account ( XXXX XXXX XXXX XXXX XXXX to Cash App of {$300.00}. Only to receive a prompt saying " oops something went wrong ''. I checked my card number, banking information all are correct. I tried emailing Cash Support only to get no response. On XX/XX/2021I received an email message stating that it was my bank that rejected the transaction. Then I was told to call my bank to remove any blocks on all accounts. I did that. XXXX assured me that there no holds or freezes on any of my bank accounts. In fact they approved the transaction for Cash App. I have a receipt for the bank transaction. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Representative - XXXX
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (VT)

Asked for a loan modification from XXXX XXXX XXXX XX/XX/XXXX. For six years I have hired XXXX lawyers and filed XXXX Dodd-Frank Modifications packages. I have spent over {$9000.00} in legal fees. My interest rate on the mortgage is at 8.875 %. Green Tree Mortgage Services acquired the note in XX/XX/XXXX-XX/XX/XXXX and offerred another loan modification package. This was done. Unfortunately, they chose a " Bait and Switch '' approach. Green Tree did not modify the interest. Now the interest amount totals well over {$170000.00} +/- plus the principal of {$200000.00}. Green Tree offerred a 4.125 % on the pricipal, but chose not to modify the interest amount. The house is under water and not worth the mortgage amount of XXXX. The town as a value of {$190000.00}. 
Before XXXX sold the note to Green Tree, representatives broke into the house and winterized the house without my consent. Also, XXXX representatives told tenants who were living there not to pay the rent. Nearly {$11000.00} was lost. 
It is my belief that XXXX and Green Tree do not want to modify the principal nor the interest amount. XXXX has acquired a judicial sale date, but I met the three month trail period. Because of BA duel tracking and Green Tree refusal to modify, my credit score has suffered and I am having difficulty in refinancing this loan. 
This is my e-mail address : XXXXXXXXXXXX. Thank you in advance.
Consumer complaint received 2019-08-11
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: Experian Information Solutions Inc. (CA)

I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this XXXX   website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was XXXX. XXXX has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ECMC GROUP, INC. (FL)

I have had XXXX issues with my federal law school lender ECMC/XXXX. I am not alone, it is a potential class action lawsuit because many borrowers have had the same experience with ECMC. 

In 2007, I was laid off and defaulted on my federal loans. I contacted XXXX to rehabilitate my loans. They promised if I made XXXX on-time payments they would place my loans with a new lender and rehabilitate them. I made the payments but the financial crisis happened and XXXX breached its agreement because they could not find lenders to buy student loans. So they did't rehabilitate my loans and just disappeared. 

Eventually, maybe 18 months later, XXXX was bought by ECMC. ECMC added tons of collections fees to my loans and refused to honor the rehabilitation deal with XXXX. Debt collectors harassed me despite my written complaints and ECMC refused to provide me with my/XXXX XXXX and a breakdown of my debt/fees. 

ECMC garnished my wages without notice, garnished an impermissible amount ( XXXX % ) and then denied me arbitration. 

Internet message boards show many consumers with these same complaints against XXXX/ECMC. 

The ECMC Ombudsman was nice but ultimately could n't help me and ECMC issued notice that either I agree to their amount and pay, or not pay and remain in default. There is no option to pay while I continue to dispute the fees. If I make a payment to them I am agreeing to an additional $ XXXX in fees!!!! My loan was for $ XXXX and now ECMC claims it is $ XXXX with fees! I am trapped. 

ECMC responded to me that Federal student loan issues fall outside the CFPB protections because of a recent lower court case. 

The Dept of Ed Ombudsman will only verify the amount owed ( although they did find errors and made a reduction ), they will not help with substantive disputes. 

I offered to negotiate to pay a settlement to resolve this but ECMC wants me to pay them $ XXXX! I only borrowed $ XXXX!! have you ever heard of a settlement for 20 % more than the amount borrowed?!?! 

I have hundreds of pages of documentation/correspondence to verify the above.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I have mortgage with Wells Fargo for a rental property that I own with XXXX other partners ( we are an LLC, but the mortgage is " personal '', in that it is not in the name of the LLC. One of my partners in the business is the primary " money '' person, so he is the one that mails the check to Wells Fargo. He made an honest mistake. In ordering new checks, he mistakenly changed one of the digits on the account number of the checks that he reordered. He send out all his bills, and then started getting notices back from his creditors that the checks were invalid. Recognizing his mistake, he reached out to every one of the creditors that he knew got a bad check and let them know what happened. He was told by Wells Fargo that everything was fine and there would not be a problem. I personally can monitor this account from my online account, so I happened to notice that " all the sudden '' the mortgage account was over 30 days in arrears and in the same amount of time, my credit took a XXXX + dive. They dishonored the check ... which put the account XXXX days over due ... prompting them to ding my credit score by well over XXXX points. There was a letter sent out to the primary account holder ( my partner ) which he did not receive until well passed the due date and grace period of the mortgage. As soon as I saw the error, I paid the overage out of my own pocket. I contacted Wells Fargo, as did my partner and explained the issue. They told us that they would be working on a resolution to the issue and get back to me after 15 days. I have not heard anything from them, and I want to resolve this.
Consumer complaint received 2016-01-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection at Law, Inc. A.P.C. (CA)

I received a letter from an attorney claiming that he will help with a law suit filed by XXXX XXXX bank for unpaid debt. I never had debt with XXXX XXXX bank.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/2020 I called Banana Republic credit card regarding charges that were not authorized on my account. I was told I would get the extra interest that was added to my account refunded to me when the dispute was resolved. When I received the interest refund for the unauthorized charges it was not what I calculated that I should be refunded. The Company only gave me back the interest for each individual unauthorized charge and not the total accumulated amount I was charged on the balance on my account. And in the following statements they reversed the interest credits and added the refund amount back to my balance. I was also informed of a interest rate increase from 26.99 % to 27.49 % in the same bill with the interest refund with no explanation for the increase. 

There was 3 unauthorized monthly charges for {$370.00} each on my account and I received a interest refund for exactly {$8.00} for each monthly transaction. My interest rate was 26.99 % at the time of the dispute and as of XX/XX/2020 increased to 27.49 % for new purchases.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I tried sending money on Friday XX/XX/2021 to pay rent and the payment never reached the recipient and then a duplicate amount of money was also taken from my account a 2nd time as a request totaling over {$3000.00}. When I tried to reach Cashapp by phone the first time, a recorded message said they didn't have phone reps available. Then I tried to find another phone number and reached a company posing as Cash app told me to download a remote app. When I was finally able to reach a legitimate Cash app representative that following Monday, I was handed off to several reps for the past two days saying they would look into it. Today I was told ( through email ) the payments were completed and there was nothing they could do and to contact my bank ( which already did on Friday ). After doing some research, this has happened to 3000 people this past year and Cashapp has done nothing to correct the problem. Please look into this and warn customers not to use Cash App. I have been dealing with this for over a month no one can provide a record of the transaction - which is odd. Now my rent is behind, my checking account is overdrawn - customer service is non-existent.