davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CO)

This week I received an email from cash app stating that I had violated their terms of service and my account had been closed. I was surprised by this as I have done nothing wrong. So I contacted their support chat and after waiting 3 hours I was told that my account was associated with gambling and other things that violated their terms of service. I was given a link to the terms of service, I read them completely through and through twice and nowhere did I find a rule regarding legal online casinos or any other gambling for that matter. I again asked for further explanation and was again told I violated the terms and they would have someone contact me through email. I have not been contacted yet. Also I have over a XXXX dollars in stocks with cash app and they have XXXX my card making it impossible for me to withdraw my money from the account. The only option I was given was to have my money transferred out in to another account of mine. I told them this was not an option as my bank wont allow transactions of this nature. They told me theres nothing they can do. So I had to find another bank app, open an account, and hopefully this one will let me add my funds from cash app.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

I have a legit business in XXXX, all of my clients have had a pleasant experience with me. I even have at least 1 review on my XXXX page. They flagged my account and asked me to submit documentation to prove the legitimacy of my business. The same day, they sent me a message informing me that they were closing my account and could not support my business. I supplied them with my Authority Addendum and EIN paperwork. That is more than enough to prove legitimacy. All transactions were of $ XXXX {$90.00}, and the service was recommended by my beautician. They claim theyre holding my funds for 90 days, this is unacceptable and will not be tolerated. I will pursue legal action if this is not resolved in a timely manner.
Consumer complaint received 2021-09-16
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: Block, Inc. (TX)

my cash app credit card didnt apply the discount it offers. 
i made a couple purchases with my cash app credit card and applied a discount it offers when purchasing from different businesses. on both occassions the boost, or discount, was not applied. i tried to get my refund or boost from cash app but all they they did was send me an email with directions on how to use XXXX  and that they could not longer help me and were closing the case. I have used the XXXX  many times successfully and am aware of how it works. for some reason it didnt this time and i would like to refunded the discount it promoted. 
the complaint made to cash app is referrenced ref : XXXX : ref
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX XXXXXXXX OR XXXX XXXXXXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a mortgage lien on my home from the Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX c/o XXXX XXXX XXXX XXXX. The interest rate on my loan is over 10 %. They have set a foreclosure date for XXXX/XXXX/XX/XX/XXXX I want them to produce ORIGINAL signed documentation that they have legal right to lien or foreclose my home ; showing they are the legal holder of the mortgage note. If they can not produce the original signed documentation they must cancel the foreclosure hearing. " Robo-signed '' documents are not legally accepted therefore they must produce the originals.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a statement for my credit card, which shows {$1.00} as a Fee Charged in the Account Summary box ( in the top left of the first page ). Then in the Transaction Detail box ( in the middle of the first page ), it lists the {$1.00} as " Minimum Interest Charge. '' But when I look at the Interest Charge Calculation box ( in the middle of the third page ), it does not reflect any dollar amount as a " Balance Subject to Interest Rate. '' I do n't understand why I was charged the {$1.00}, and I do not know if the provider does either seeing as their statement is so conflicting with the information. This looks to be a UDAAP violation as it is unfair to charge a fee that I can not trace its origination, as well as deceptive.
Consumer complaint received 2015-07-05
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CO)

helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes. 
I am contacting you with regard to XXXX rewards card. 
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late. 

Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues. 
I am an elderly person and the whole story causing me a huge distress. Please help. 

Thank you and XXXX bless you
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OR)

Dealing with XXXX XXXX was a pain. They were never clear about how to pay and any time I said I could n't pay the rates they were asking for and mentioned a lower rate, they denied it. So I defaulted on my loans with them because I could n't afford their rates. Many times I got them the breakdown of my current income and financial status. We even started repayment plans a few times, but when my financial status changed and I was unable to make a payment they were unwilling to help me so I had to default again. They even contacted my employer once without my consent to hunt me down at work and lied about who they were when my boss answered. One time I made a payment plan with them but they never followed through. They have also changed my loan servers so many times that I lost track. My cosigner finally contacted them after finding out my loan was with Navient and settled the loan on a special deal they offered. Once he paid he received no confirmation or receipt from the company. We are hoping it went through and was actually applied to my debt. If I knew that it was this difficult to deal with XXXX XXXX and their private loans as an XXXX year old trying to attend college then I would 've found another way. It seemed to good to be true and has been.
Consumer complaint received 2015-07-15
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I went online at the bank of america website to set a " travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NM)

On XX/XX/2021, I sent an instant transfer to my debt card. The transaction was successful but the money never made it into my account. After 3 days, my bank was able to verify the funds were successfully transferred but I exceeded the daily and monthly limit of the transfer. Mastercard also was required to hold onto the funds for 8 business days. On XX/XX/2021 my bank released my money back to cash app as a charge back ACH. I was given the reference number and trace number to provide to cash app. It's now XX/XX/XXXX and I still have not received my funds back in the amount of {$2500.00}. Cash app will not take my information of the reference and trace numbers to help me locate my funds. I'm being told by 1 Department they are still in progress of working on it and they will email if they need any additional information. To this point nothing has been done.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I have had a Cash App account since XXXX. It is rare that I have to dispute transactions with it but it seems like since the pandemic, lots of merchants are being downright ruthless, shady, and FRAUDULENT.

Historically, disputes were a pretty seamless process. There's an option in the app to dispute transactions, of course Cash App recommends trying to resolve these disputes with the merchant directly. I have always done that BEFORE contacting Cash App Support. 

Recently, I had 3 transactions I needed to dispute for varying reasons. Cash App support has been non-responsive and as such, I am handling these disputes with the CFPB. 

2 transactions are from XXXX XXXX XXXX XXXX. I have their mobile app. Several times now I have ordered in the mobile app ( where it charges as soon as you place the order ), and then when I GOT to the restaurant, it was CLOSED. But I had already been charged and the funds have not been refunded. I have had this same issue with XXXX XXXX XXXX XXXX before, but never have I ever been accused by the store manager of lying and making it all up. That's what happened with I tried to handle it directly with the store where the purchase was made. That process was described to Cash App support in vivid detail. 

They have simply stopped responding to my messages about those refunds. 

The other transaction was for a software purchase I made online. It was made on XX/XX/XXXX at XXXX. I was trying to order a software program called XXXX XXXX XXXX XXXX XXXX ). It was a program that claimed to make the process of mounting XXXX XXXX to a XXXX drive easily. I needed to do this to wipe off an old computer and reinstall the operation system so I could sell it. The purchase was supposed to be for a product key that was supposed to UNLOCK the program from the trial mode to the full version. 

The key I was given DID NOT WORK. I emailed their support and they did NOT respond. So I disputed the transaction with Cash App and this time, they did not respond at all. So for clarity, with the XXXXXXXX XXXX XXXX XXXX purchases, they DID respond, but have since stopped responding and my refunds have not been issued. For the XXXX XXXX XXXX purchase, their support has literally not responded AT ALL despite me initiating the dispute process in-app at least 5 times.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I currently have {$130000.00} of student loan debt with Navient. I have been working with the company since graduating in XXXX when they were still XXXX. I have had numerous interactions with Navient in regards to my debt. 

XX/XX/XXXX : I started my graduate program and the I called the company to discuss options during my 2 year degree. I was lead to believe deferring the loans would be in my best interest not realizing or it being explained that accrued interest would continue to compile during this time. At that point my loans were just under {$100000.00}. 

XX/XX/XXXX : Soon after graduating in XX/XX/XXXX my new loan amount was just shy of {$140000.00}. I lost my job in XX/XX/XXXX and called Navient to help with alternative options for repayment during this process. I told them I did not want to go into foreberance and would still like to keep paying the loan as to not accrue interest as what happened during my graduate program. They instead told me my only option would be an interst only payment plan, which honestly did not lower the payment by so much but unsure how long I would be unemployed I went with the option. 

XX/XX/XXXX : I called Navient to remove me from the interst only payment plan. This was obviously not followed because XXXX I am still enrolled in interest only payments. I called Navient a total of 4 times about this issue. 

XX/XX/XXXX : I called Navient in regards to the Interest Rate Reduction program. After running my credit and getting my monthly expense and income they said I do not qualify because I can afford the payments. To pay over 10 % in interest with a good credit score just because you can pay it is ridiculous i explained to Navient. They said you can only qualify if you are in hardship. Yet this was not offered to me after losing my job back in XX/XX/XXXX. And now that i have above par credit with a good job they feel entitled to charge outrageous rates because they feel I can afford it. 

Navient is sorely about money and not about getting the consumer a fair deal and fighting chance to pay back their loans. Understood there should be compensation to the lender for giving me the opportunity to get an education, however ; the extent Navient goes to drain every dollar conceivable out of the consumer is unfair and should not be when all the consumer wants is an education. I understand CFPB is currently suing Navient for unfair practices and I hope that the successful win for the CFPB will lead to some compensation for the consumer for these unfair practices.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (GA)

their was an issue with identity theft account with XXXX that had gotten turned over to a collection agency, were i had actually went online and did the payment. i was informed by XXXX to wait and do that payment, because if it 's identity theft i should not be responsible for it, and they were going to look into it.so i canceled the payment through my bank.rite after i did that the collection agency want to put this on my credit report when they were informed that this was a fraud account.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First Advantage LNS Inc. (TX)

The Facts : 1 ) Regarding debt NCAC i.e. XXXX XXXX paid XXXX/XXXX/2015 in the amount of {$370.00} 2 ) Request for item to be removed from wife 's file was successful. Received confirmation letter from XXXX. 

The Issue now : per XXXX - NCAC must do request process for husband for item to be removed from his file. 

Requesting NCAC submit request to remove item from husband 's file. 

Thanks,
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (MI)

Someone subscribed to XXXX XXXX using my name, phone # and SS #. The address is a XXXX MI address and I live in XXXX MI. I am getting calls saying that I owe {$1100.00} to XXXX XXXX and the calls are coming from Receivables Performance Management. 
After getting these calls I checked my credit report and see that XXXX XXXX had done a credit check on me before opening this account. I wish I would have noticed that earlier and informed them that this was not me requesting service from XXXX XXXX. 
I do not live at the address that is subscribed to XXXX nor do I know anyone who lives there. The email address that was used was not my email address and that is why for the last year I was not getting the online bills.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CO)

Equifax. Have initiated XXXX disputes to try to correct my name and birthdate. 
They ca n't seem to get it right. Sent over photos of my drivers license and social security car. 
I do n't know what else to do, XXXX disputes, XXXX phone calls - what other options can I do to have them correct this information?
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX, Equifax and now XXXX. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call Equifax and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX Collections could. I could dispute it so, I had XXXX Law dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( Eqyuifax ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed years ago and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my XXXX report, I called XXXX on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX XXXX it should have been paid from of that money. I have asked XXXX Collections to provide me with a list of what I have paid and so far I have not received anything. Why can XXXX XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.