davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America offered a {$300.00} bonus if one started a checking account in the months of XXXX and XXXX, 2021. Part of the stipulation for the bonus was : : " Set up and receive Qualifying Direct Deposits of {$4000.00} or more in that new personal checking account within ninety ( 90 ) days of account opening. 
A Qualifying Direct Deposit is a direct deposit of regular monthly income such as your salary, pension or Social Security benefits, which are made by your employer or other payer using account and routing numbers that you provide to them. Examples of non-qualifying transfers and deposits include the following : teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill account. '' As I am retired, and as discussed with the person over the phone who enrolled me, essentially all my income is from brokerage accounts, but also social security. As my social security checks exceed $ XXXX, I signed up. An incredible amount of time was spent on the phone, going to the local branch ( which never answered the phone so one had to go in person to find either no bankers or that the branch was closed due to Covid- no fault of BOA ). However, after all these efforts I found out that when switching which bank my Social Security check would be directed to, the Social Security web site states it will take 3-4 months for the switch to occur! This means as most only one qualifying deposit will possibly make the 90 day time allotted, or perhaps none. 

SO, my complaint is that BOA clearly had to know that listing social security benefits WOULD NOT QUALITY, a bait and switch on retired individuals. I don't know how many simply receive a pension, but a qualifying 'salary ' excludes most retired individuals by definition, and by listing XXXX XXXX XXXX XXXX was the BAIT to capture senior citizens. Either their research was incompetent or they ignored this problem when other senior citizens must have called in XXXX with this roadblock, or they decided to intentionally perpetuate this scam. When I called today, I was simply told that it was up to the customer to insure that deposits could be made prior to initiating these new accounts ( BUYER BEWARE ), and that the bank was not responsible for how Social Security is run. I would amend that a respectable bank is quite familiar with money transfers, etc, and only from a position of fraud or a scam would this BAIT been offered.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$250.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2022-01-12
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: Kashable LLC (TX)

I have previously written letters to notify you ( Kashable LLC ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. Kashable LLC Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I went to XXXX XXXX of XXXX XXXX to purchase a used vehicle. I was told my credit would be run with them to see if I would be approved for a loan. I agreed. I was not informed that my credit would be run by multiple companies ( listed below ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was approved through XXXX but XXXX XXXX did not disclose that they would send run my credit through multiple companies. I attempted to contact the companies to remove the inquiry but they told me that they are valid because the dealership ran it. I disagree as I did not authorize them to run my credit through multiple companies outside of them.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( XXXX, Equifax and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.
Consumer complaint received 2022-01-13
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. (CA)

Cash App ( Square Inc. ) are refusing to response about a chargeback request on a transaction after a month. 

XX/XX/XXXX I paid {$80.00} using the card to a seller who then immediately deleted their webpage and never provided the order. 

XX/XX/XXXX I reported this on Cash App using the " Dispute a transaction '' option. I was told I would be contacted by email. One month later I have not been contacted and nothing is in spam folder. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 


It has now been one month and I believe Cash/Square are intentionally avoiding chargeback claims so that they keep the commission on the transaction.
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

A year ago I had a medical appointment that was covered and paid for by my insurers without any issues. We recently started receiving communications from a company called AWA collections stating this bill is unpaid, and they have maliciously placed a negative mark on my credit report, despite me proactively sharing with them documents showing the insurers paid my bill. I had no communications from the hospital asking for payment prior to this, so I believe this is a fraudulent attempt to collect a non-existent debt.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

My loans were recently moved from XXXX to ED Financial in the summer of XXXX. I receive loan repayment through the federal government. I had a loan payment applied by the government that they servicer just applied to 1 of my 3 loans on XX/XX/XXXX. I got no notification from the loan servicer that they had received a payment. Called in XX/XX/XXXX to have the loan amount redistributed to all of the loans equally. They said they could not give me a timeframe of when this would be accomplished. They said I would need to continue making payments on the other loans until the money was redistributed. They said I would not be reimbursed these payments after money was redistributed. They also did not have accurate loan payment information of payment amounts or dates on my online portal. The representative said there was no one else I could speak to and there was nothing else she could do.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

In XX/XX/XXXX I initially called Mr. Cooper ( aka Nationstar ) to inquire about the steps to remove PMI. Given the value of the home we purchased in XXXX had increased and taking into consideration payments made, our LTV met the 80 % criteria. I was told by the Mr. Cooper representative that we needed a certified appraisal and that the loan to value needed to reflect a value of {$420000.00}. I was told that I could use my own appraiser or one through Mr. Cooper, and that It could be a quick assessment online or a detailed. I paid for an appraisal and I submitted it on XX/XX/XXXX. When I did not receive a response, I called and the representative told me that my request was being rejected because the appraisal had to include pictures of every room in the home, which was not specified as a requirement, and that the report must state the improvements were completed since closing. This conflicted with the information I was originally given, which was that the appraisal could be a " quick '' appraisal for the cancellation request. I resubmitted the amended appraisal on XX/XX/XXXX and provided the requested information and receive a denial letter on XX/XX/XXXX. The denial reason was not specified in writing, and indicated I must call a representative. The representative indicated that the denial was because we had not owned the home for 2 years, that the review process was different due to the ownership timeline. I was not informed of this until this conversation which was very frustrating. I requested requirements and details regarding the denial in writing and they refused. Given the appraisal was still within the 120 day timeframe, I resubmitted the request after the 2 years had passed since closing on XX/XX/XXXX. I received another denial on XX/XX/XXXX indicating the Loan to Value comparison is based on the original purchase price and value instead of the current appraised value. I wrote another email on XX/XX/XXXX requesting the process for appeal and for more information. I received a call the first week in XXXX and the representative informed me that since 2 years had passed since closing, the LTV requirement was 70 % and that I would need to submit another appraisal. Every time I talk to a Mr. Cooper representative, they give different requirements to remove the PMI. I have asked for the process in writing and they refuse to provide it, they only review the requirements over the phone. I have asked for the appeal process and requested to dispute, but they have not provided anything in writing.
Consumer complaint received 2022-01-13
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. (FL)

Since XX/XX/2021, I have had XXXX collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.
Consumer complaint received 2021-12-22
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NY)

I transfer my monthly mortgage payment manually every month with an extra principle payment on time ( document attached ). XX/XX/XXXX, 3 mortgage payments were automatically transferred along with 3 additional principle payments. Only 1 mortgage and 1 principle payment was authorized by me. The two additional mortgage and principle payments were withdrawn without consent by Axos bank. This large debit pushed my checking account into an overdrawn status. 

Multiple failed attempts to get their customer service on their provided number of XXXX have been unsuccessful. I have been put on hold for> 40 minutes at a time with an automatic disconnection terminating the call. This has been going on since XX/XX/XXXX. The only viable form of communication is through their internal messaging center with questions and solutions not being offered. ( copy of messages attached ). 

I filed a dispute with XXXX which they reimbursed the unauthorized funds to my account. One partial payment was automatically applied of {$2100.00} by Axos into a suspense balance which I have requested a refund for. To date I have not received it. This would bring my next payment due on XX/XX/XXXX. 

Today XX/XX/XXXX I got a past due notice form Axos. XXXX states this is a resolved case and I can not get any one from Axos on he phone to explain, correct, or to answer my internal message. 

I still have not gotten an answer why this happened or how to avoid it from happening again. I now have a past due status on my account that I have paid three months in advance. 

This is time consuming and frustrating. I do not want this to result in delinquency status on my credit. Please help
Consumer complaint received 2022-01-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (AZ)

I have applied for help in paying my back missed payments ( due to forbearance ) with the Arizona Department of Housing. They have monies from the Arizona Housing Assistance Fund Program. The Arizona Department of Housing has been waiting for LoanDepot to complete their onboarding process that they sent LoanDepot. Again LoanDepot has sat on their hands and have done nothing to help me, their customer get back on their feet as they have promised.
Consumer complaint received 2022-01-12
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. (MD)

I have not opened a credit card in over a decade. XXXX keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately
Consumer complaint received 2022-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have VA XXXX for my homestead in XXXX XXXX Florida. MY VA loan is being serviced through LOANCARE. I was declared 100 % P & T on XX/XX/XXXX. I applied for and was granted a 100 % property tax exemption indefinitely beginning for tax year XXXX by the XXXX XXXX, FL XXXX XXXX XXXX XXXX. I sent LOANCARE my P & T letter and a letter from the property appraiser 's showing I am exempt from paying property taxes for XXXX but for {$250.00} per year garbage fee. LOANCARE is refusing to accordingly reduce my escrow for XXXX and is still charging me a higher payment as if I will half to be responsible for my property taxes for XXXX. My property taxes at {$18000.00} a year so LOANCARE is unlawfully charging me an extra {$1500.00} a month! I told them I refuse to pay a higher escrow for property taxes that they know I do not and will not owe for XXXX. They said if I do not pay the extra {$1500.00} a month, they will foreclose on me and take my home. I can not afford to pay {$1500.00} a month for an entire year for no lawful reason. Please help me. This is wrong.
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I filed a complaint with you guys back on XX/XX/XXXX and XXXX in the complaint department said on XX/XX/XXXX that they mailed me the resolution in the mail but as of yesterday XX/XX/XXXX I have not received any response from them and I have emailed her letting her know 3 times now but she hasn't responded to me. So this is a follow up complaint because they again lied apparently since I haven't received anything in the mail from them whatsoever.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2021 I was traveling in XXXX, at the XXXX XXXX, and received texts and calls from Wells Fargo ( XXXX ) from XXXX saying my card had been used at XXXX and XXXX in Florida and that XXXX transfers had been made to XXXX XXXX XXXX. 
No personal information was asked of me. They said the call was being recorded, my card would be reissued, my online banking would be inactivated and that I would need to call to get it re-activated and that a claim would be filed with authorities. 
I was told that the XXXX transfers went through, and I could see I received text messages about that, and they would walk me through requesting the funds back. I was told to add myself as a recipient to the XXXX portion of the Wells Fargo app and request the funds back. 
I did this. Obviously very wrong of me to do it without taking a minute to think or check my account or verify the caller. They didnt ask for anything personal from me so I didnt think anything of it. I had had fraud on my account before and it didnt seem any different, except for the XXXX part but since I was adding myself, I didnt think it was an issue at first. 
Then when I got home and saw that the funds went out of my account, at total of {$4000.00}! I realized I had been duped and actually sent money somehow even though I was the one that was added. I dont understand how the fraudsters work but I realized I had let them in somehow. 
I called Wells Fargo, the number being one digit off from the number that called me, and reported the fraud. They denied my claim since I had been a part to it. 
I am looking for some recourse even though I know I dont have much information to go on. I was sick and deleted some of the texts. The first one was from XXXX and said Wells Fargo Bank : Did You Attempt to Use Your Card for {$860.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Today, Reply YES or NO.
Consumer complaint received 2022-01-12
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report