davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CT)

Statute of limitations in CT for credit card debt is 3 years, last date of action on account was XX/XX/XXXX. Court action was filed XX/XX/XXXX. The address on the lawsuit was an address I hadn't resided in since XX/XX/XXXX and mail was no longer being forwarded, so I did not receive notice of the suit or any of the resulting rulings. XX/XX/XXXX a default judgement was entered & on XX/XX/XXXX a motion for wage execution. The execution was served to my employer XX/XX/XXXX & forwarded to me by them postmarked XX/XX/XXXX ( 2 days before 20 day exemption period to ask for a stay of execution from the court ). XX/XX/XXXX I attempted to file a motion to open the judgement but was denied the fee waiver XX/XX/XXXX and because of wage execution have been unable to afford the fee. 
As of today, the following amounts have been deducted from my paycheck : XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} Total : {$580.00} Total amount of judgement : {$1300.00} Total amount of wage execution ( w/ fees ) : {$1500.00} Total amount due after Marshal 's fees : {$1800.00} The company ( XXXX XXXX ) has a history of these behaviors and was previously served a consent order by the CFPB, along with its ' parent company Encore Capital Group , on XX/XX/XXXX.
Consumer complaint received 2019-03-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l. (NY)

In summary : On the morning of XX/XX/XXXX a foreclosed property located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( which is bank owned and represented by AltiSource Inc. a real estate management company located in XXXX, Georgia ), experienced a failure in water lines resulting in water damage to the basement of their property that also flowed into my property located at XXXX XXXX XXXX. My property is adjacent and connected to XXXX XXXX XXXX. As a result my property experienced damage to drywall, carpet and carpet pad and a health hazard was created. XXXX XXXX, Ombudsman with AltiSource Inc. has been provided with several time stamped videos and photos of evidence as well receipts for the new carpet and pad from XXXX 's to demonstrate the carpet was originally purchased XX/XX/XXXX. In addition AltiSource has been provided with estimates from establish corporations that specialize in remediation and re-construction which mentioned " Its very important we move on this project ASAP. Microbial Growth can begin within the first 72 hrs of a water loss. Negatively impacting the integrity of the structure and the indoor air quality of your residence ''. I have also encouraged XXXX XXXX with AltiSource Inc to speak directly to my independent witness who were present for the events that transpired XX/XX/XXXX and AltiSource Inc. has declined to do so thus far. Even though a known health hazard exists AltiSource has refused to provide me with the name of the Bank that owns the property or the Banks insurance carrier information and no resolution as of XX/XX/XXXX has been achieved thus far
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

XXXX continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, XXXX XXXX, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( XXXX ).
Consumer complaint received 2019-03-09
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that Experian remove the account from XXXX XXXX XXXX.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

When reviewing my credit report I noticed XXXX XXXXXXXX XXXX performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX and Office Of The Attorney General. I already had an account with XXXX XXXX XXXX that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of XXXX XXXX XXXX contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from XXXX XXXX that they have requested the inquiry be removed. I spoke with a representative at Equifax on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,
Consumer complaint received 2019-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (FL)

Hi there, I reported several fraud charges on my PNC credit card to PNC bank on XXXX XXXX. The representative informed me that they will take care of the fraud charges and send me a new card. But I had a bill due approaching. So I asked the representative whether I can make the payment to my old card. He replied that I can't. And I need to wait until the new card arrives so that I can make payment to the new card for that bill. However, I haven't received the new card until past due day. A {$27.00} late fee occurred. I contacted them about this issue but this time, the representative said that I don't need to wait for the new card to make the payment. I can make a phone call to pay. This information was not disclosed when I contacted PNC earlier. I had no idea there is another option like that to pay. It is the PNC representative 's incorrect information leads to the late fee. However, PNC refused to waive the late fee. Please help me with this issue. Thanks.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

We use XXXX for processing our business transactions. 

Our case with XXXX is CASE # XXXX Our XXXX account was breached on XXXX occasions from XXXX through XXXX - in the amount of {$35000.00}. By the time Square told us - funds were gone. 

XXXX blamed us for not implementing the XXXX step verification, a system of which they turned off and subsequently turned back on after this occurrence. 

My wife and I traveled during the holiday. When we returned we immediately contacted Square. Nobody helped us - nobody investigated - nobody at XXXX did anything. Only sorry - {$35000.00} is gone. 

1 ) is XXXX insured for this? 
2 ) is XXXX going after these funds and then keeping them without my consent XXXX ) they were transferred to XXXX XXXX accounts - did XXXX tell XXXX None of the above were allowed to be discussed with XXXX - only sorry there is nobody to take this up with. 

This is not right. We had to file today against Square with XXXX, IC3.gov, Identitytheft.gov and will be meeting with our legal counsel next week - all based on Squares horrible decision and them doing nothing.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have had a loan with a principal balance of {$64000.00} since 2013. It is now over {$70000.00} due to accrued interest. Interest has been a nightmare for me and I am sure plenty of other students. I was tipped early on to pay attention to interest and pay it down while in school, and I did so. I even paid some of the smaller school loans off in full before my loan went into effect in 2013. From the get-go, I have always been on an income based plan. At that time, there was no way I could afford rent, utilities, daycare, etc. along with a $ 700+ school loan payment each month. When I was first applying for the income based plan, I spoke to a representative about it in general. He explained to me that the payments are lowered but only low enough to cover interest. As such, I was always under the impression that the payments were only as low as the interest that accrues each month. Otherwise, what's the point? I do not like to let interest accrue. I do not want to risk having any accrued interest capitalized. I would not have agreed to this if I knew better. I feel I was misguided. Anyway, I started the plan. I set myself up for automatic payments. I went on with life until I felt I could start paying down my loan. After some time, I noticed the balance on my loan jumped from XXXX to over 70k. How did my balance increase after I have been making payments on it regularly? I called to question it and learned that it is due to {$6000.00} of accrued interest! My payments are less than the amount of interest accrued each month, so it has been racking up without my knowing. Who knows if it has even been capitalized. I keep trying to find documentation to figure out so, but I can't find anything to help me much. The rep says it isn't capitalized. So here I am ... ready to try to tackle some of my principal, and I can't, because I have a ton of accrued interest to work on before I can even touch principal. I feel helpless. What's the point of having an income based or other plan when you are struggling financially? All you are doing is paying and/or accruing interest ... never touching your principal. I thought the income based plan lowered payments yet still applied to a portion of principal and interest in a pro-rated fashion to what the regular payment amount would be. This is not helping us!
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (VA)

My small business uses Square as our point of sale system. We redesigned our entire website to be able to connect to Square through an online store. Our last deposit from Square was XX/XX/2020. We were notified beforehand that deposits would be withheld until more information was submitted. Per their request, we uploaded the COA ( certificate of analysis ) for the XXXX products that we have been selling since the pass of the Farm Bill Act. All of our products are local and completely legal and we provided the documentation requested. Their website acknowledges the uploaded documents. Weeks ago, one of our employees, my daughter, spoke with a Square customer service representative and they weren't sure why funds are being withheld but were going to escalate the issue. No response was received back. Telephone contact is no longer an available option for my business. Multiple emails have been sent but only through their website so there is no record on our end and no response from Square. No contact is possible and Square is withholding the money from our customer 's purchases of actual goods from our storefront. Meanwhile, we still have to fulfill our customer 's orders without being reimbursed by Square.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX my credit card statement cut saying I had a minimum payment due of {$38.00} on XX/XX/XXXX. 

After that statement cut, on the same day, I paid the {$38.00} payment, dated XX/XX/XXXX. 

Today, XX/XX/XXXX, I see that I was charged a {$37.00} late fee, and my account is " Past due '' because they did not receive a payment by XX/XX/XXXX. However, there was a payment on XX/XX/XXXX AFTER the statement was available ( That's how I knew the amount, and clicked " Payments '' -> '' Minimum Amount Due '' -> '' {$38.00} '' ->Pay ). 


In a panic of the late payment notification, I made a payment for {$110.00}. After going back and looking through my statements, I realized I DID make the payment and was wrongfully charged. 

After escalating to a supervisor, Wells Fargo essentially told me that if I " wouldn't have made a payment on my statement date, ( I ) wouldn't have this problem ''. WHAT? What kind of credit card company doesn't encourage payments? 

I have credit card accounts at every other bank, and I always make payments on the statement date. I believe this is deceptive and not in consumers ' best interests to be charged fees and be marked " past due '' when the reality is the payment was made about as " on time '' as you can get. I've been a Wells Fargo customer ( deposit ) since XX/XX/XXXX, and I'm planning on ending that relationship over a mere {$37.00} and deceptive practices.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (NJ)

On Thursday, XX/XX/XXXX I opened a Square account in order to process a credit card payment from a VA Contracting Officer. The payment was for a successfully completed contracting job where I was building a website in order to help a VA physician run a study. I created the Square account using accurate information about myself and linked my bank account. The total amount of the payment was to be {$3800.00}. On the XXXX, I spoke with the Contracting Officer on the phone and he gave me the credit card information to be entered for the transaction. I put the transaction into Square, and thought that would be it. However, later that day XXXX XX/XX/XXXX ) I received an email saying that due to unusual transactions transfers were being suspended on my account. The email linked me to a Square website which prompted me to upload several documents in order to verify my identity and the legitimacy of the transaction. I provided all requested documentation. I linked my bank account through Plaid, sent a copy of my driver 's license, and even uploaded a copy of the signed invoice with signatures from both myself and the VA physician with whom I had been working. Two days later, on Saturday XX/XX/XXXX I received an email informing me that my Square account had been deactivated and that my funds would not be released until XX/XX/XXXX. They told me that Square would not be able to " meet my business needs at this time '' and that the decision was final. When I attempted to contact Square customer support on the phone, because my account was deactivated the system did not allow me to speak to a human being. I sent them an email message from their support website which was also unanswered. My business did not and does not violate the business that they say are allowed, and the singular transaction that I processed was completely legitimate. They gave no information as to why my account was deactivated, and it has been impossible for me to determine the cause.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc. (MI)

On XXXX XXXX my cash app card was negative XXXX, when before I had XXXX $ in my account. I reached out to cash app support but they did little to nothing. They told me to wait up to 45 days to let them investigate the situation. I understand that its a lot to do but I really dont have a lot of money to just wait. When the person who took my money quickly took the money out of my account. The city of XXXX is really going through a Great Depression on when its little to no work. Everyones out of work until they make the new vaccine mandatory.
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IA)

I was enrolled in XXXX XXXX XXXX University in a XXXX 's program. I received an excess funds payment on my last term. Two weeks later, I was blocked from my student class because I was informed I had a balance due. I was unable to resolve the situation. I kept asking why I received the excess funds refund when there was a balance due. I had to drop from the program as this was my final capstone class. I could not get anyone to explain why I received a refund when there was a balance due. I can not afford to pay the balance as I am low income. I received a letter from legal counsel of XXXX stating I owe {$1700.00} and if not resolved, this matter may be placed with a collection agency.
Consumer complaint received 2020-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (FL)

To Whom this May Concern and Can Take Corrective Action : I believe SquareUp.com ( Square Capital? ) may be making changes to their customers ' account with customer notification in order to generate additional fees or show growth in services under management. 
Approximately 60 days ago, Square changed my business account balance transfer policy from automated daily, to transfer manually as requested. This change generates added fees. My staff did not make this request, and when Square was contacted, they claimed not to have made the change. It was a computer mystery. 

Today ( XX/XX/20 ) I received the following unsolicited email from Square : Hello ________________ ( purposely blank ) We received your Square Card order. Your card should arrive at the shipping address you provided within 10 days. 

_____________________ ( purposely blank ) We will send a confirmation email when your card ships. 

Thanks, The Square Team I did not request a debit card from square, nor did my wife, who is the only other person with admin credentials on the account.

When Square was notified about the error, they stated that only I could have requested a debit card. I asked for IP address from which the request was made. Square declined. Red Flag.

I believe Square may be knowingly making changes to client accounts and initiating additional services in an effort show company growth, to the detriment of their clients. 

Please investigate further, and contact me directly for additional details.