davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

I used cash app to send money, it was sent to the wrong person and the person completed the transaction immediately.Cash app only allows you to request the money back from the person, which I did. The person declined me twice and kept my money that was not hers. Cash app provides no recourse such as stopping the transfer or requesting the money back for me. They were really of no help. I attached our correspondence and the evidence I have in regards to the transaction. I did file a dispute at my bank, they were of no help, they said they have little experience retrieving money from cash app when there is a error or problem. That I need to contact cash app, that is why I'm filling a claim here. Cash app should be liable for getting my funds of 150.00 returned. or have an immediate dispute button on their app for these instances that would have stopped the person from taking money that did not belong to her.
Consumer complaint received 2021-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Our original VA loan was with XXXX XXXX XXXX. As of XX/XX/XXXX, Freedom Mortgage took over the loan for our home. We accepted a purchase offer on an adjacent piece of property next to our home. There is no mortgage on the property being sold. On XX/XX/XXXX our lawyer contacted us and said that the property being sold was part of our mortgage. It isn't. We contacted Freedom Mortgage and explained that the property was not part of the mortgage. The acreage on the loan document does not include the acreage of the land being sold, it was not included on the appraisal, the taxes and insurance are not in escrow. The only place in the loan document that refers to that piece of land is in appendix A. It is clearly a mistake. We explained this to the reps at Freedom Mortgage over and over. They said that they would look into. We called multiple times a week for updates, nothing was being done. On or around XX/XX/XXXX Freedom Mortgage was getting the tax and legal department involved to resolve. We continued to call for updates, nothing. On XX/XX/XXXX someone from Freedom E-mailed the legal department asking for an update, nothing. On XX/XX/XXXX a lawyer hired by Freedom Mortgage contacted me to review the situation. She immediately understood the issue and said it would be no problem to resolve this. She felt the best course of action would be to do a lien release. She filed the paperwork with Freedom Mortgage to be signed on our around XX/XX/XXXX. The lawyer said that due to the holidays, Freedom Mortgage probably wouldn't sign until after the XXXX of the year. I contacted the attorney on XXXX, no response. Again calling a couple times per week, getting no answers or updates. Finally on XXXX the attorney said that the documents were sent to the county clerk for filing. I contacted the county clerk, she said the documents were returned to Freedom Mortgage because they were missing information. Freedom Mortgage corrected the documents and sent them back to the clerk. On XX/XX/XXXX the clerk sent the attorney a message stating that there was still missing information. We spent 50+ hours calling and getting nowhere. We have done everything in our power to get this resolved. Here it is 17 weeks later and we still can't close on our property. We feel this unacceptable service and shows a lack of competency on the lawyers part. Can you please help us? We are desperate.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (FL)

Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, XXXX XXXX bank said there is no way they can help me with a dispute because the transaction was done with Square and XXXX XXXX don't have any dispute rights that the only company that could help and i should call is Square. I called Square and they said is incorrect that they were not able to help and this is something XXXX XXXX has to dispute, i kept calling XXXX XXXX and they keep referring me to Square since they are the only company that can fix this according to them. 

Square and XXXX XXXX are both violating my rights and they just dont care, XXXX XXXX said they dont have dispute rights. I was a victim of a fraud, if Square is the one that has to initiate my dispute i need them to help me with this and i need your help also.
Consumer complaint received 2019-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IL)

I accidentally made a cash app transaction that took money out of my bank account instead of my cash app. After that I logged out of my cash app for a few months out of frustration. When I came back to my cash app account, I couldn't add my credit card or send or receive money. But my money is already there. My account seems to just be frozen.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (PA)

XX/XX/2019 I called cash app to this customer service number : XXXX because I sent money to the wrong person ( {$20.00} ) so I was trying to get that money back, when I called them they asked me to download an app ( viewer quick support ) through that app he ( XXXX ) got into my cellphone. Once he got into it ( my phone ) he asked me to verify my account by taking pictures of my id, debit card and my face. Then he said that " he was going to send me the {$20.00} that I had sent to the wrong person in order to end the verification process '' He ended up sending me {$200.00} accidently instead of the {$20.00} and it " failed ''. So he asked me to go to the store and buy a XXXX gift car of {$200.00} and give him the code in the back which I did and as soon I gave him the code he hung up the phone and when I tried calling back claiming to him, he kept hanging the phone up. I went to my best friends house so she could try calling for me since het english is better than mine. They ended up saying a lot of profanities. I still have the ebay card and the receipt just in case.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On Monday, XX/XX/2019, our car was burglarized and multiple credit cards stolen ( in XXXX, CA ). Those cards were then used fraudulently ( between XXXX XXXX - XXXX  ). 

The most significant fraudulent charges came through a Square Reader - all using a different credit card by a company called " XXXX XXXX XXXX '' - for even amounts of {$500.00}, {$1000.00}, and another {$1000.00} through three separate transactions on different cards. 

Our credit card companies are making us whole ; however, it is apparent that using different credit cards by one Square Reader is a pattern that won't be detected by one credit card company.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANCO POPULAR DE PUERTO RICO (PA)

This a for a Mastercard issued by Banco Popular de Puerto Rico. When I make a payment on my card the company puts a security hold on my payment for XXXX to XXXX business days before they post the payment to my account. On XXXX XXXX they also put a security hold on my account due to what they say is suspicious activity, my bank returned a payment, and rejected all charges to my account thereafter until I called on XXXX XXXX to see what was happening even though I had fixed the problem with my bank and had made another payment to the card that processed correctly on XXXX XXXX. On XX/XX/XXXX I had to call them to get the security hold removed. I have had nothing but problems with this credit card company. The terms of agreement does not contain payment information that relates to holds on payments for security purposes. This caused at least one of my utility payments that was on autopayment for XXXX dolllars and some change to this card to be returned and the credit company refused to fix this costing me extra money and time spent working with my utility company. 

My biggest issue is I have ask the company for a customer complaint form and they have advised me they do not have a way for a customer to file a complaint but the customer representative will submit the compliant for me. I have ask them to submit a complaint but I do not received any feedback about the compliant.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I had did a transaction on cash app for {$270.00} to receive a product on XX/XX/XXXX. I never received my product I contacted Cash app they told me to go through my bank I went through my bank they gave me a provisional credit then took it away in which caused a lot of fees in my account due to the merchant stating I need to fight the transaction with them directly and from that point I have been doing so and to no avail they will not contact me back nor acknowledge my emails for help. Before I go and file a suit against the company and the person I just want my money out back in my account
Consumer complaint received 2021-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (MD)

I had attended XXXX college ; through XXXX. XXXX closedIn the summer of XXXX by giving me false information that I need to take out a loan for the school so I did that with sallie mae. my student loan was for XXXX and now all the way up to XXXX during the fall of XXXX and was I was supposed to graduate from XXXX University I had suffer a almost life ending injury in which I was not able to return to school. Because of my injury, sallie mae in which I try to explain my situation took it as we graduating from XXXX even though I was trying to explain I couldnt go back to finish my degree because ( Im at XXXX XXXX ) my degree wouldnt let me finish because of my injury. So one I believe I had to take a loan out for no reason because XXXX had lied to me and to sallie mae charge me almost XXXX grand and its only been four years going on five with the loan being taken out and Ive actually only graduated two years ago because I had to wait a whole year to go back to school so Im trying to see what my options are here and if I can get help
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Around XX/XX/XXXX, contacted the bank about unexpected and unfair late fee and the itnerest charges on cash advance, which I had to make via XXXX, paying them $ XXXX because Bank of America XXXX no option of the cash advance and/or XXXX as a direct deposit into my XXXX XXXX  account XXXX When I saw all the charges added up by Bank of America for this cash advance, which brought my account to overlimit of {$30.00}, I discovered their late charge of {$30.00} for the alleged overlimit of {$30.00}. I paid the alleged overlimit charge as soon as the Bof A site was working and accepted my payment, I wrote to BofA, asking them to remove the late payment fee AND to reduce my interest rate, AND to reduce my monthly payments at least for a few month, due to financial hardship, The Bof A reply was twofold XXXX, Their last statement showed AN INCREASED montly payments, the late fee was not removed AND XXXX, Their reply to my request, written by their bot, directed me to call them from XXXX ( even though they know that I can not do it ) or contact their chat, which has proven to be useless again and again. 
The message board offers a reply option, which they block, lying about the site temporarily not working and asking to resubmit, Well, i have tried to do it no less than 5 times -same result, Attached please find my original request, the BofA reply, and my reply, which their site would not accept, It is high time that BofA stop their customer abuse and begin to provide service, Their products are good, there service is nonexistent The BofA XXXX
Consumer complaint received 2021-02-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (IL)

I was seller of home and XXXX XXXX # XXXX who was employed by Nations Lending at the time XXXX XX/XX/19 XXXX was lender for buyer. Pre-approval letter was basically blank as to details and offer had red flags all over it. Being a FSBO and I am also a SVP of mortgage lending I emailed XXXX about concerns and he replied that buyers were more than qualified. Two to three weeks into deal I had not heard from appraiser so contact XXXX again. This time stated was trying to get approval from underwriting after telling me originally he had all docs and good loan. Normally, good deals do not require appraisal order being held up for 2-3 weeks which was 2nd sign deal was bad. Was assured several times after by Realtor or XXXX everything good. Several days prior to closing date I reached out as no closing set nor settlement numbers. Told then an issue as buyer 's took out new loan but all good still. Granted 2 week extension. Exact same thing happened on 2nd missed closing date. Unbeknownst to XXXX buyer knew my wife and applied to me for loan after 1st missed closing date. Told me XXXX kept telling them conflicting statements and had changed terms to junk loan terms. Credit score XXXX, previous bankruptcy/foreclosure, debt ratios 47.2 %, 141 % housing payment shock and little to no assets, opened new unsecured loan prior to signing contract in amount of {$9100.00} for down payment. This is loan XXXX claimed opened just prior to close and reason for delay but " everything good '' and just had to run back thru underwriting. Told me on call discussing issues that he was " grooming them '' meaning he knew loan was never closing but somehow dreamed he could make loan good in 60 days. Told him been in business 30+ years and if grooming one waits till borrowers are good prior to saying they are XXXX  when 100 % certain loan was never going to close. Buyers attorney and previous Broker/Owner of last <2 month employer said XXXX overpromises and underdelivers and had missed 6 closings in last 30+ days. One closing had 6 home domino effect dependent on his one closing so all deals fell apart. He should not be licensed at all and I can supply 2-3 real estate attorney 's, previous broker and title companies to attest to that. Still considering suing XXXX and his employer for outright fraud. Loss compared to eventual sale over {$37000.00}.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report, and Im writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please find the only correct information that should be reported or listed on my credit report. Please update all personnel information. 
My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX only employed at : XXXX XXXX
Consumer complaint received 2021-02-20
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. (PA)

XXXX XXXX XXXX  I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. XXXX claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Suburban Credit Corporation (VA)

On XX/XX/2020, I requested a cease and desist of telephonic contact, via auto-dialer or other means. On XX/XX/2020 at XXXX ET, Suburban Credit contact me in violation of my cease and desist and using an auto-dialer. This is in violation of my rights, and I thought we had reached an agreement that the debt was uncollectable. However, I received a collection letter last week attempting to collect on the full balance. 

Aware that my FDCPA claim will be beyond the statute of limitations in a month, I think this is very suspicious and questionable timing. I am requesting relief through this portal as a last-ditch effort before suing Suburban Credit.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I graduated school in XX/XX/XXXX with a balance of {$25000.00} +/- a few hundred dollars. I wasn't able to make the full payments to my loan servicer XXXX Sallie Mae then Navient ), and was granted several forbearances. I eventually was entered into an income driven plan. I have all the payment history printed from Navient. I have paid over {$16000.00} in the last 10 years and I still owe {$24000.00}. I have been making payments every month even with the government forbearance. I feel there is no way to ever pay these loans off. I would like someone to look over my loans. I have six different federal loans for my XXXX programs from XXXX. 
I would also like to know how my XXXX tax statement says that I paid in {$2300.00} in interest when according to their website, I have only paid in {$370.00}. Does that mean that while there is a government forbearance that they are still collecting interest? Any help would be appreciated. Thank you.
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (PA)

They have hardship form to fill out on their website which I've done. Never get a response. I have to occasionally overdraw my account to pay bills and Vivid has hurt me as far as locating a part time job. I filled out the form for overdraft charges