davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

On XX/XX/XXXX my mortgage company increased my escrow payment effective for XX/XX/XXXX. I contacted the mortgage company after receiving this in the mail on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I called I Informed them on several occasions that I was a XXXX XXXX service connected XXXX veteran on a fixed income and that the increased payment was going to be financially burdensome. After speaking to a representative at the company I was asked to provide proof that I would be receiving a XXXX veterans homestead tax exemption which would have made it possible for them to have my escrow payment lowed. During a conference call with my county and the mortgage company some records were sent to verify my tax exemption status. Those records were received by my mortgage company however, they have refused to lower my escrow payment after I have made several request, both in writing and verbally over the phone, with over 10 different employees. Some of whom I was told were supervisors. I have told them several times that they have overestimated my taxes due to my tax exemption but when I call they are often rude and not helpful. After trying to get this fixed before the new high payment went into effect, I am left here at the due date trying to come up with the funds so I don't loose my house.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

I have a total of five loans with Shellpoint. 
The last two loans I acquired this year are loan numbers XXXX and XXXX. After these loans transferred from the original servicer, and I started making payments, I set both of these accounts up on autopay as I have done in the past with the three other loans I have ( loan # s XXXX, XXXX, and XXXX ) Both accounts were set up through the same account at my bank which is an account ending in XXXX. Loan number XXXX debited for the first time on autopay on XX/XX/2020 in the amount of {$1200.00}. The second payment was posted for {$1200.00} on XX/XX/2020 and a third payment was debited on on XX/XX/2020 for {$1200.00}. 
On two occasions I was told by a Shellpoint representative that the autopay had not worked for loan number XXXX. I asked them why it was working for loan number XXXX but not for loan XXXX. I was told the first time it didnt work that one of the numbers may have been transposed so I was instructed to set up the autopay again. I did again and was very careful to make sure all of the numbers were correct with the account number and the routing number. The following month I had the same result and noticed this before the end of the month to avoid a 30 day late on my credit. I was instructed to try it again and that I could follow up again to make sure that the account information was correctly inputted. I was concerned because I hadnt received any notification that the payment hadnt gone through. I was told that Shellpoint would notify by the grace period if a payment hadnt been made. I set the autopay up again and contacted Shellpoint a third time to verify that all of the numbers were correct. I was told that it had been and that the autopay would work. On XX/XX/XXXX, I noticed that a payment had not been made for XXXX and contacted Shellpoint again. I was told by a representative that because the autopay had not worked two consecutive months, that I was not able to use autopay and I s shouldnt have set it up that third time. When asked why I hadnt been contacted to know about the late payment, I was told that there had been calls made to me and letters sent. I had not received any letters to that point and never had received any voicemails. 
I have never had a 30 day late on any of my mortgages with Shellpoint and ask that the 30 day late for XXXX be removed from my credit report.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

I have a Cash App account that I tried to transfer {$170.00} from Cash App to my bank. Unfortunately, I typed in the wrong password, so I wanted to create a new password. Cash App stated that I needed to send information to show proof of my identity. I did exactly what they asked me to do. They continued to give me the runarounds, sending an auto-text of needing the information. I'm a college student I got frustrated because I was getting nowhere with them. To make matters worse you can only communicate through email.
Consumer complaint received 2020-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MO)

I had made an initial complaint about cash app closing my account and not responding back to my emails. Cash app however replied to the complaint i made through consumer financial protection Bureau. In their ( cash app ) response it stated that ; 1.My cash app account was temporarily suspended 2. That it ( cash app ) held my funds ( {$7400.00} ) pending their investigation 3. That my account is closed after their investigation. 
Cash app however did not state how I am getting my funds that were held before their investigation in their response. Anytime I email cash app I get an email response from an agent called XXXX who is basically telling me that I will not be getting my funds and that I should move on. 
Cash app claims that my account violated their terms and condition. Under Cash app terms and conditions number 9, it state that " Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, ( 1 ) may be made available for you to cash out in Squares discretion and subject to the other conditions in these Cash Terms, and ( 2 ) we may require you to link a new bank account that has not been associated with your Account to cash out such funds.. If an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation. '' I understand at this point that my account is closed, I just want to know how I am getting my remaining funds of {$7400.00} unless the company Cash app intends to keep it.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I LEFT FOR A TRIP ; IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. They then ran hotel fees and caused reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
I have noticed incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX BANK ACCT XXXX I have not re ceived this transfer. It was not reported on my account. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX MBA PhD XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have placed dozens of emails and telephone calls about lowering our car loan from the Bank of America to {$500.00} per month plus increased interest because my beloved wife XXXX and I are senior citizens of advancing years with very serious health problems that put us at HIGH RISK in the novel coronavirus pandemic. This means we can not work. 

I have repeatedly emailed and telephoned Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey and have called the 800 car loan number and have spoken to XXXX who also works in the XXXX branch for a reduction of the loan payments to {$500.00} per month. 

The Bank of America refuses to answer my request and these is after more than three ( 3 ) weeks of my retesting that it lower the loan payment per month. 

The Bank of America is being cruel by denying my beloved wife who is co-signer and me!
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

XX/XX/2017 I was hospitalized due to old military XXXX XXXX issues I was un aware va would not cover the hospital visits I have tried to work with the company and the va and I just am going threw medical issues and financial Hardship at this time and can not pay.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (WA)

I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with US Bank so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2020-10-28
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. (CA)

Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to zero due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, XXXX XXXX is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the XXXX XXXX telephone agent. 

Based on my own records, and confirmed by XXXX XXXX, on or about XX/XX/XXXX I called XXXX XXXX to authorize full payment on my account. XXXX XXXX has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark XXXX XXXX will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.
Consumer complaint received 2020-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (IL)

XX/XX/2020 was my last documented " completed '' and successful transaction with cash app. A short time after, I discovered my account was closed. An email was sent to XXXX XXXX XXXX. I received the attached response stating that I have violated section 4 and 5 within the terms and agreement/policy. I have sent several additonal emails to XXXX XXXX XXXX requesting the reason as to  why account was closed. I did not recieve any previous notifcation of policy violation nor was this fraudulant. I requested several times details regarding my account closure and I have yet to receive a response with details. I did not report fraud on my account and I feel this is incorrect. 

Per Cash App Term and Conditions given. 

4. Your Liability for Unauthorized Transactions Contact us as soon as possible if you think there has been unauthorized activity on your account. Depending on the circumstances, if an unauthorized transaction has occurred we may be able to cover you. 

Please let us know if you believe there is an Unauthorized Transaction on your Account. You could lose all the money in your Account. 

We will protect you from Unauthorized Transactions in your Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error Resolution procedures described above. 

An " Unauthorized Transaction '' occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. However, the following are NOT considered Unauthorized Transactions : If you give someone access to your Account ( e.g. by giving them your login information ) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized ; If you, or someone else with whom you are acting in concert, act with fraudulent intent ; or You reverse engineer or chargeback a transaction made with your Cash Card. 
5. Our Liability We will cover your losses for certain incomplete or incorrect transactions, detailed here. 

If we do not complete a transaction to or from your Account on time or in the correct amount according to these Cash Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance : If, through no fault of ours, you have insufficient funds in your Account to complete the transaction ; If the ATM where you are making the Transaction or using your Cash Card does not have enough cash ; If the Cash App was not working properly and you knew about the breakdown when you started the transaction ; If circumstances beyond our control ( such as fire or flood ) prevent the transaction, despite reasonable precautions that we have taken.
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MI)

On XX/XX/XXXX I received an email from XXXX through XXXX XXXX that there had been a change on credit report. I noticed that a company, Sunrise Credit Service, had reported late payments and was listed as a derogatory account on XX/XX/XXXX, and XXXX. I had never entered into a contract with Sunrise Credit Service nor had I ever received any mail, email, or phone calls from the company. 

On XXXX XXXX I answered a call from a representative from Sunrise Credit Services. The representative wanted to confirm my mailing address and I inquired about their business. They informed me that they were attempting to collect a debt from XXXX XXXX XXXX. This was surprising considering I had a current account in good standing with XXXX XXXX XXXX. They also informed me that they had emailed me on XX/XX/XXXX. Checking my email I did not see any email from Sunrise Credit Service and informed the representative of this fact. I objected to the debt and told the representative to have the company send me any information about this " debt '' by mail. They informed me that i could log into an account on their website, which I told them I refused because I had no verification that I owed this debt to Sunrise Credit Service and repeated that I want them to send me their contract and additional information about the debt by mail. They informed me that they would do so. 

As of XX/XX/XXXX I have not received any mail communications, or through other means, from Sunrise Credit Service. I sent a letter on XX/XX/XXXX requesting verification of the debt, proof of licensing in State of MI, and any contract they hold with XXXX XXXX XXXX to collect the debt. I have attached my letter to this complaint. 

As of now, I don't how Sunrise Credit Service was able to report late payments and a derogatory account on credit report without ever informing me nor verifying the debt.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (AL)

XXXX keeps declining my paychecks. I have had a few bad checks there but that was over 10 years ago and they were all paid. I was the victim of identity theft and im sick if not being able to cadh my paychrcks myself. I can't get a normal bank account because of this very reason. I think it us wrong that I can not cash my check to us 100 percent guaranteed.