davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY ()

I took a {$40000.00} student loan from Wells Fargo ( formerly XXXX ) in XX/XX/XXXX. I started making repayments, over and above the suggested regular payments, from late XX/XX/XXXX and had repaid roughly {$30000.00} of the then {$46000.00} principal by late XX/XX/XXXX. I haven't made any repayments since XX/XX/XXXX ( ie, for more than eight years now ) because the next suggested repayment date after my last repayment in XX/XX/XXXX was  XX/XX/XXXX and I was under the impression that interest would not accrue on the remaining principal of about {$16000.00} while I am not making repayments. The online statements available on Wells Fargo website also did not show any accrued interest, which confirmed my view. However, when I recently dug into my loan details, I figured out that interest had been accruing and amounts to a whopping {$5700.00}. This takes my total outstanding obligation to more than {$22000.00}. 

I called Wells Fargo customer service on XX/XX/XXXX and requested them to consider waiving off the accrued interest because I was misled by online statements. The customer service rep registered my case and assigned a Wells Fargo analyst for follow up. The analyst did follow up on XX/XX/XXXX but could not offer any relief and my outstanding obligation remains at more than {$22000.00}.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

On Saturday, XX/XX/XXXX, I logged online to check my XXXX Card ( issued by XXXX XXXX   ) account prior to ordered a sample backsplash tile to update my kitchen. Upon checking my account balance, I was startled to learn that my available credit was {$19.00}. I was surprised because I knew I should have had more than {$300.00} in available credit, with a balance of {$370.00}, which put my utilization at a little more than 50 %. On XX/XX/XXXX, I received an email ( and a few days later, a posted letter ) alerting me that my credit line had been increased. Only after that did I make another purchase of a little less than {$100.00}. I have done nothing but pay my bill on time every month, and I usually pay a little more than my minimum payment each month. I called tonight, XX/XX/XXXX, and was told that the bank must have received information that made it lower my credit line increase. While on hold to speak with a supervisor, I checked my credit score and learned that my score was updated just today and has been steadily rising. In fact, with XXXX now dropping my credit line, my credit utilization has sharply risen to 90+ %, which will definitely have a negative impact on my credit. 

My issue here is that with an offer of an increased credit limit, my use should have been acceptance of the offer. Therefore, their reneging on the terms seems less-than-honest, especially for a customer who has consistently paid on time, and this will have a supremely negative impact on my credit report in a way I had no control over happening. Additionally, while I understand from speaking with the supervisor tonight that a letter has been mailed, it is a poor policy to drastically reduce a credit line without so much of an email saying that something changed on my account, allowing their customer to be shell-shocked by a suddenly-increased credit utilization on their account. I am disappointed in this company, and I am seriously considering whether I want to continue doing business with this company. While my {$390.00} may not be significant to XXXX, it is significant to me, and I will make sure everyone I know is aware of the shady practices this company displays to faithful customers who pay on time and never exceed their limit.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Chase closed all my three checking accounts and three credit card accounts without a reason on XX/XX/XXXX. I contacted customer support to find out the reason is nondisclosure. I visited Chase branch to try to figure out what was wrong causing Chase to " Stop the relationship '' with me. Even the Manager at the branch was unable to find out the cause leading to closing. 

Fast foward to XX/XX/XXXX, an application for a chase card was submitted. Chase once again, denied the application with only one reason undisclose previous unsatisfaction relationship. When I tried to contact chase customer support just to get the same answer, Chase decided to cancel because the bank wanted to, not for any reason. Until now, I have no idea what was wrong causing all my accounts was closed. All I really want to know is the real reason or reasons and what can I do to clear the " previous unsatisfaction relationship ''.
Consumer complaint received 2019-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

I have consulted and entered into a debt counseling agency XX/XX/XXXX. The debt counseling agency has been helping me settle my debts and Wells Fargo credit card is one of the accounts. 

I also have a checking and savings account with Wells Fargo Bank. The debt counseling agency has been in communication with Wells Fargo over settling my credit card debt. 

I received a summons from an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdated XX/XX/XXXX This summons was given to Debt counseling agency and they are working with Wells Fargo. Wells Fargo ignored the debt counseling agency 's negotiations and not willing to work with the debt counseling agency so in turn they garnished my ENTIRE paycheck including my wife 's. 

XX/XX/XXXX, Wells Fargo garnished my ENTIRE paycheck and also my wife 's paycheck and left us with {$1000.00} to live on. I have a house mortgage, utilities, food that I am not able to meet to survive and now in financial hardship. They went into our checking account and savings account and took a total of {$2600.00} all in one chunk. Wells Fargo did not notify us that this will happen and ignored the debt counseling agency 's negotiation.. 

I am in utter emotional distress that Wells Fargo was able to do this when we are in a debt counseling agency and willing to pay Wells Fargo for my debt incurred. Wells Fargo jumped the gun, was greedy and just wanted to take the money without regard for the consumer and their personal living expenses. 

According to the garnishment law, they are suppose to only take no more than 25 % of the paycheck and not entitled to take the ENTIRE PAYCHECK and my wife 's too. Because we have a joint bank account they helped themselves and stole all our money. 

It is criminal Wells Fargo Bank would help themselves to our bank account. I will no longer bank with them since I know they are under criminal investigations for other bank fraud. I also checked my account and now they charged me for hidden charges which leaves my account at a negative balance. The attorney working with the debt counseling agency knows who we are.so I am not attaching any documents. Please help me get our many back from this scrupulous, dishonest, shady money hungry tyrants.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

On XX/XX/2019 a debt was placed on my credit report from a Commonwealth Finance on behalf of a XXXX XXXX XXXX XXXX XXXX for the amount of {$950.00}. 
I then recieved a letter also. Never heard of either of these folks and have never used any of these people who are apparently in another state. I then asked the company in writing for a copy of my identification used to open such an account and they have not responded or provided my identification as proof. Because it is not my account and they have not proven that it is identified as my account through my identification required to open any account I am asking that it be removed from my credit reports because it is not my account.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment this XXXX of XXXX on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments this year. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2019-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (FL)

I received an alert that {$29.00} was placed on my credit report as a collections account from XXXX XXXX XXXX XXXX. I paid that account in full, closed that account, and found a better internet service provider. I believe this fraudulent collection attempt is a spiteful revenge attempt from bright house or XXXX to get back at me for canceling services with them.
Consumer complaint received 2019-02-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (TN)

At XXXX hours on XXXX XX/XX/2019, I called Credit Acceptance and spoke with XXXX. She made contact with XXXX. She turned the call over to XXXX and my counselor, XXXX XXXX and I tried to make a payment of {$100.00}. XXXX repeatedly ignored our request to take a payment of {$100.00} telling us that he needs {$250.00} down payment and payments of {$150.00} per month. My counselor explained that it was not in my budget to do so but he continued to threaten legal action. My counselor asked XXXX if he or anyone else could take my payment of {$100.00} and he said no. He would not take my payment.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CA)

I received an unsolicited Cash App debit card in the mail the week of XX/XX/2020. I was able to verify that an unauthorized account was opened with Visa on XX/XX/2020 and XXXX XXXX  on XX/XX/2020. XXXX canceled the card and XXXX XXXX  closed the associated account ; however I have been unsuccessful in closing the Cash App account which was fraudulently opened in my name using my mailing address. 

I contacted Cash App via XXXX first on XX/XX/2020 and received instructions to close the fraudulent account through the app by logging into the unauthorized account. Since I did not open the account myself ( as it was fraudulent and not opened by me ) I had no way of doing so. 

Since that initial email, I have had email correspondence with XXXX ( XX/XX/2020 XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ) who have each replied with various follow up questions. Some including requests for specific amounts and dates of fraudulent transactions are not answerable as I do not have access to the account. I have not had sustained correspondence with a single person at Cash App as a different person replies to each email I send. I have uploaded photographs of the physical card with the account numbers, expirations dates, and security codes. As Cash App does not have a live customer service line, I have not had any success in reaching a live representative.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

Today XX/XX/2020 cash app took XXXX out of my account and closed my account so I couldn't stop the payment they was supposed to be reseting my card and stole my money out my bank account my bank said it was a payment made with cash app now. I cnt get ahold of anyone. I have children to take care of and now I'm set back cash app says u cnt even send or receive more than XXXX a day bt then takes XXXX
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (SD)

XXXX Cash App XXXX Funds of XXXX no longer exists, nor my account? Repeatedly sent email notifications on situation. Was told to open new account so they could link both accounts as long as I have all information needed. Did that and second account was also closed, whom and why I don't know? Tried for third time I've submitted my documents and information needed for them to link and resolve this matter. Was told to send it threw the app link support. Witch omg I am not going threw this again. In witch I did anyways. It's been since XXXX and still have not received or heard from anyone from the Cash App about my money!!!!
Consumer complaint received 2019-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CA)

After a year of perfect, on-time payments of the loan that was approved by the Lending Club literally in 10 min ( inXX/XX/2018 ), I applied for another loan to refinance the current loan. Since Lending Club does not offer to refinance, I had to apply for the 2nd loan. 
I applied and went through weeks of endless phone calls, submissions of various documents, which they kept requesting after each submission and NEVER, EVER requested the first time. 

To my complete shock, I GOT DENIED! With the credit score 120 points higher than when I applied for the previous loan, with the perfect 100 % record of paying on time, with the income higher than the previous year, basically, every score higher than it was when I applied the first time in XX/XX/2018, and I got denied, because these predators at the Lending Club don't want to lose their highway robbery interest of 22.75 % they are charging me on the current loan. 

The refinance interest would be 13 %, high, but not as insane as 22.75, but they said the amount I wanted to borrow was too high relative to my earnings, while they gave me a lot more with the income a lot less within 10 minutes back in XX/XX/2018. 

They want me locked into 5 years of the financial slavery where I would be paying more than {$15000.00} in interest instead of 3 yrs 1/3 of the previous amount in interest.

With the refinance I would be paying a basically similar monthly amount, which I was paying until today, and they had absolutely NO problems with me making these payments. They had NO problem whatsoever loaning me much higher amount the first time. 

These are extremely predatory practices that they need to be investigated for!
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I received a Cash App VISA Card. I've heard of cash app, but have never in my life signed up for or used cash app. I'm not even aware of how that stuff works. Also, There are markings on the card leading me to suspect that this card has been swiped. Usually there is a sticker on new credit cards instructing you to activate new cards and this does not have one.

I tried to call a phone number for Cash App, but I was unable to reach a representative. I'm extremely concerned about this and am unsure of what I need to do. Can you please help me?
Consumer complaint received 2019-02-23
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. (IL)

I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

In XX/XX/XXXX I hired Square One debt settlement to help me pay off all my credit card debt. Monthly XXXX was taken from my account to amass funds for debt settlement and the fees included with this service. In XXXX of XXXX this company went out of business. Mo fees that remained were returned to me. The owner was to give me the new company taking over. No information for that was provided. 

In essence they took my fees and ran.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (TX)

Cash App/Square allowed a user to open debit cards fraudulently using my name and address. This also caused inquiries on my credit report. They dont have a phone number for people who arent already customers so its impossible to contact them without giving them your data and becoming a customer.
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (LA)

In the month of XXXX, I called into Wells Fargo Bank, and reported I was a victim of Identity Theft. I also requested to obtain all documents related to my Wells Fargo account. I was directed to many departments and Finally I reached the Executives office. I was told It would take about three weeks for me to receive the documents. I received the a letter from Wells Fargo Bank on XX/XX/XXXX The letter states It was written in reference to my XXXX XXXX account, that was administered by Wells Fargo. I don't have a XXXX XXXX account. I applied for an account through XXXX XXXX XXXX for XXXX services. The letter also states the documents and invoice could not be provided due to the merchant are no longer in operation. 

I then received a letter from Wells Fargo Bank on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX Office. The letter states they were responding to my concerns. It also states my application was submitted on XX/XX/XXXX. My application was not submitted on XX/XX/XXXX. My application was submitted on XX/XX/XXXX. Along with this letter was a copy of the invoice and application that was submitted by the merchant via the XXXX. On XX/XX/XXXX, I was charged a payment of {$190.00} to my personal credit card for the merchants in house dental Insurance.