davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX my car was hit by another car. My vehice was totaled and the dealership XXXX XXXX received a check for XXXX. I was told by the dealership in XX/XX/XXXX I still had a balance of XXXX. I recieved a 1099 C with event code of G. On my transunion credit report it shows 2 separete reports one for XXXX that is open and XXXX reported as closed. I have contacted both XXXX as to why there are two reports they say go to transunion, which says only that the report is correct with no explanation or report of any investigation. The car was XXXX when purchased in XX/XX/XXXX with payments of XXXX per month. I don't understand how the balance is the same as the report that was closed and the open report is close to the amount the insurance paid. When I pressed XXXX for answers they claim that the amount on the 1099 cancellation of debt is taxes owed on the car. This seems a little suspicious as I have never gotten any bills or calls from XXXX since XXXX when the car was declared totaled. I just want to understand 1. why they reported to the credit agency two amounts that are similar to the cancellation of debt and the amount they were reimbursed by the insurance company. 2 why the credit agency transunion can not explain why there are two credit reports. I have been unemployed ever since XXXX.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NJ)

Recently cashapp decided to randomly close my account claiming i violated the terms and conditions and when i asked support how i did so they just refused to give me a response and said they practice their right to keep this information closed. I had over 5k in my account when they decided to close it and they instructed me to simply add a new debit card or bank to cash out my remaining funds mind you the previous card i had on it was taken off because i lost it. The app wont allow me to add any sort of new banking information and Ive sent countless emails to support for days on end with no response to help me with this problem but support replied to my email regarding my closed account immediately to tell me to go XXXX myself. This company and their support are a joke and dont care about the consumer or how much money they could possibly lose. Im almost certain they closed it due to a large deposit made into my account that was from my unemployment and now i cant use any of the money that was given to me.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

On or about XX/XX/2020 I tried making a transfer from my cash app account to my XXXX XXXX. Cash app instantly locked my card for potential scam. I reached out to them several time and no one responded. I kept sending emails. Eventually they blocked my email address from emailing them. Then 2/3 days later they took all {$6600.00} out of my account and kicked me out of that same account forcing me to sign back to regain access of my money and account but I was only able to create a new name. They left me at a {$0.00} balance. And they still have refused to contact me back about how I can receive my money that was in my account. Please can you help?
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I've made numerous attempts to reach out to Experian regarding the inaccurate information it continues to report to my credit file. Experian special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. The following accounts need to be deleted due to ID THEFT. 1.XXXX  XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX ACCT # XXXX 3. XXXX XXXX   XXXX  ACCT # XXXX 4.XXXX  XXXX  ACCT # XXXX 5. US BKPT CT XXXX  CA CASE # XXXX So Experian doesn't make the excuse that I didn't do this dispute myself Im including a copy of my drivers license and Social Secuirty card along with a police report and fraud affidavit.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc. (CA)

I attempted an ATM Withdrawal while in XXXX on Tuesday XX/XX/20 and Wednesday XX/XX/20 from my Cash App Cash Card. 

The ATM 's I attempted to use all provided me with a message stating " Insufficient Funds ''. The balance in my account at the time of withdrawal was {$2000.00}. My ATM withdrawal attempts were for the following amounts ( as stated from my account history ) : {$980.00} {$960.00} {$650.00} {$650.00} {$650.00} After each attempt, I received an email from Cash App listing the attempted withdrawal amount, stating : " This ATM withdrawal was declined for your protection. 
We can not complete that ATM action. Remember, current daily withdrawal limits are {$1000.00}. '' I contacted Cash App Support on XX/XX/20. Their response on XX/XX/20 is that foreign transactions and withdrawals are not supported. 

From their website, https : //cash.app/legal/us/en-us/card-agreement 32.  Transactions in Foreign Currencies. If you withdraw funds or make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in your Card Account will be converted by Visa into U.S. dollars. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. For each foreign currency transaction, the Bank may assess a foreign currency conversion fee and will retain this amount as compensation for its services. Square will not charge you any fees for foreign currency transaction. '' To me, it seems that Cash App is denying the ability to complete my transaction on a product it is offering.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am REQUESTING that Trans Union address the information that they are recording on my credit. 
public record XXXX provide information showing this account date file and stautes is correct information. Delete information XXXX / provide validate of this account with last date of payment and when this account went into collection on my credit report it states no payment history so who can it be a valid open collection / delete information XXXX Collection account XXXX no payment history to complete that fact of it being a collection account when did this account go into collection Trans union is not reporting a full accurate account detail / DELETE VIOLATION OF THE FCRA XXXX reporting unverified information verify when this XXXXaccount was open and placed for collection. Trans Union DElete information Violating THE FCRA XXXX DELETE ACCOUNT NUMBERS XXXX XXXX OUTDATED ACCOUNT OPEN 1987 DELETE REMOVE ADDRESS LISTED XXXX GA XXXX XXXX
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

in XX/XX/2017, i sent {$1700.00} to my friend through cashapp and she never received it and that amount was cut from my account with XXXX XXXX XXXX. When i contacted XXXX XXXX XXXX, they filed a claim and the came out with a result that cashapp said they pay out the money that was lie. the recipient printed out her bank statement for six months including XXXX no such amount was found in her account. i tried to reach out to cashapp through email no one responded. and they do not have a number that you can talk to someone. This money was my hard earn money from my salary to take care of my family but just disappeard. will be very happy to see this people refund my money.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CO)

I have a cash app card provided by XXXX XXXX. I went out of town and lost my cash app card and the next day there were fraudulent charges totaling {$2100.00}. I contacted the company they took forever to respond to me they had no live agent help over email and XXXX  they were extremely negligent and not helpful at all. I explained the situation and what occurred and they had no response to anything I explained they simply just denied my claim and said that the card had been used and the PIN was entered. They don't know that my tablet was also in my bag that had my card and that most of my financial information is listed there. Regardless they showed that they could care less responded late and very vague and never addressed anything I sent them simply all they did was ask me a few questions and I responded and that was it I felt like I was talking to a robot everything that I mentioned that did not have to do with the questions they asked was disregarded and ignored. The fraudulent charges all occurred on the XXXX of XXXX. The first one was for {$970.00} followed by another charge for {$53.00}, and {$400.00} and {$87.00} and {$54.00} and {$580.00}. The company told me the decision is filed and pretty much has not offered any live support and ignored all my emails and never responds to me.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2015-05-15
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America put a charge off on my credit for a credit card I never used. They had the wrong address, the wrong phone number who knows who they were sending that information too. I never knew about the charges on the credit card or what was going on because they never had my information because the person using my account had it. They are taking very long to resolve the issue. I am not happy because the charge off is affecting my schooling, I ca n't get school loans. Bank of America invalid info they had in meXXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for a new XXXX through Bank of America. Via phone, I immediately set up automatic payments to be applied to my account so that my credit card balance would be paid in full on time every month. I received an account statement on XXXX XXXX reporting that my automatic payment would applied on XXXX XXXX. On XXXX XXXX, I noticed that I was charged a late fee and finance charge. I spent 45 minutes on the phone with Bank of America trying to figure out why my statement reported that my automatic payment was all set up, but I was still charged a late fee and a finance charge. At the end of the call a representative waived these charges and attributed the incident to " bank error. '' On my XXXX XXXX statement, it says that an automatic payment will be applied on XXXX XXXX. I do n't know whether to believe my statement, or to assume based on this experience that they are just printing this on my statements so that they can collect late fees and finance charges at my expense, forcing me to call into customer service month after month.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Good afternoon, my name is XXXX XXXX XXXX, I have lived in my property for over 10 years and have been having financial hardship due to loss of income. I recently submitted a request for a modification loan and have been told someone is reviewing my paperwork. I gave another call back this week and they stated that their attorneys are looking to foreclose on my home without evening completing my modification request. also my loan was transferred to this company and I was approved for a modification for XXXX they never honored my modification through XXXX XXXX before the took over the loan. They are the ones who made it impossible to keep up with my payments and they never called to tell me what the results were when i asked them to correct their mistake. i was already approved for a fixed loan for XXXX years through XXXX XXXX before the gave my loan to select portfolio can some one please help me stay in my home. I am back working now but still need my pymts adjusted like they were.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2016-09-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

XX/XX/XXXX Wells Fargo sent me more notices stating that I am " Seriously delinquent '' for XX/XX/XXXX & XX/XX/XXXX, which Wells Fargo knows is not true. 

Last month I filed a complaint here with the CFPB reiterating the large number of problems I have had with the erroneous account keeping with Wells Fargo and how money goes unaccounted for in the account and with the constant late notices that have escalated to fees and credit reporting. 

While Wells has admitted that they did receive the Mortgage payment for XX/XX/XXXX, they are still sending delinquent notices and have not acknowledged they receive the XX/XX/XXXX payments. WF is harassing me and threating foreclosure and has yet to send me the monthly statement for XX/XX/XXXX nor XX/XX/XXXX. 

For the record XX/XX/XXXX WF cashed the Mortgage check # XXXX, ( {$630.00} PI ) on XX/XX/XXXX and the escrow check # XXXX for {$140.00} also on XX/XX/XXXX. Wells Fargo did not send any updated monthly statement reflecting those payments. 

WF also has created an unapplied suspense account in which money appears then disappears without explanation. Normally suspense/unapplied funds are a result of escrow shortages ; however the escrow account has not been, nor is now in any shortage situation ; in fact XX/XX/XXXX, I received Check # XXXX Which WF explained ( only after I pressed with a CFPB complaint ), was a overage check. 

The Veterans administration approved this Loan XX/XX/XXXX, I have never been late with monthly payments and Wells Fargo is very much aware of that, yet they continue to withhold funds, manipulate and misapply payments. 

In the last statement of record sent by Wells Fargo, ( dated XX/XX/XXXX over 2 months ago ) they documented that there was XXXX in the Escrow, coupled with XXXX in a suspend/unapplied funds account which totaled XXXX on XX/XX/XXXX Wells received an addition escrow payment of XXXX ( XXXX ) adding to the total, XXXX, XX/XX/XXXX, more escrow payments CK # XXXX for XXXX and XX/XX/XXXX CK # XXXX bring the total escrow payments to XXXX which is more that my Taxes and insurance combined and exceeds the minimum low point in the account, with 3 months remaining. 

Wells Fargo has created this unnecessary unapplied account where money seems to disappear. The have created work sheets in XX/XX/XXXX, XX/XX/XXXX and again last month trying to justify moving money around and why it disappears. 

They created XXXX escrow analysis 3 months apart. They have created this unnecessary " unapplied '' funds account and moved money around without justification for that account. I have never been late according to VA guidelines nor has there been any shortage in the account. 

I have yet to receive monthly statements to reflect XX/XX/XXXX or XX/XX/XXXX payments. I highly recommend Wells be audited. 


For the record Check # XXXX XXXX mortgage PI XXXX ) for XXXX and escrow check # XXXX for XXXX was cashed by Wells Fargo on XXXX/XXXX/XXXX
Consumer complaint received 2021-01-12
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)

Great I am writing this letter regarding unknown accounts below in the reports that suddenly from nowhere appeared in my credit report! I am sure its identity theft and I am a victim. I have no idea how that happened actually but for sure I do not know these accounts ... like could you please investigate, check and delete them. I do not know these accounts I HAVE NOTHING IN COMMON WITH THESE ACCOUNTS, I SEE THEM FIRST TIME, I DO NOT RECOGNIZE THEM SO DELETE PLEASE ASAP!
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I paid a large payment to synchrony bank for my Walmart card and they lowered my limit by the amount I paid, never been late on this account always paid as agreed. I called and the Rep said they looked at my credit and lowered based off that, I have 3 other cards with them and they did the same thing to my QVC card. This is rediculous that they can do this when you pay as agreed. I'd like my limits raised back up if possible.
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (OH)

It was made clear to the cashier, that I did not want a department store card. Nordstrom Rack cashier confirmed verbally twice on XX/XX/19 that I was applying for a credit card where it can be used at any retail center. The cashier even gave me the credit card agreement documents. I did not want a card where I can only use at one store. Unfortunately, I received a Nordstrom store card in the mail.
Consumer complaint received 2020-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (TN)

My loan was due to be paid off on XX/XX/XXXX. According to Avant, I still have a balance due. Upon my research of my payment history, there are several payments there were not applied to principal. The payments were only applied to interest. I have inquired to Avant on several occasions via phone and email ( XX/XX/XXXX, XXXX ) inquiring about the payments and requesting the basis of their calculation. The only response I was give was Whenever making regular or additional payments, they will be applied first to outstanding charges, if any, then to accrued interest, and then to principal. This is an unsatisfactory response. Avant is being fraudulent in their lending practice. As of today, Avant has not provided proof of the basis of their calculation for the payments in question. 

According to my Loan Agreement and Promissory Note, the total finance charges is {$7800.00}. As of XX/XX/XXXX, I have paid {$8400.00} in interest. According to Avant, I still have a open balance of {$1200.00}. I am aware additional interest was due for the four extension I received through out my loan. I have paid {$600.00} in additional interest. 
According to my records, my account should be paid in full.