davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (TX)

On XX/XX/2021 @ or around XXXX XXXX, I attempted to make a purchase in the amount of {$7.00} at fast food restaurant chain XXXX XXXX My purchase was in person using the chip enabled debit card. My transaction was declined. I had more than ten ( 10 ) times the purchase amount in the account at that time. I have not been able to use any of my assets associated with this card, which effectively such assets are the target of fraud by Square Inc . I have previously tried several times to resolve similar issues with Square Inc., all to no avail. Square Inc., has never provided an explaination as to why each and every transaction request to date has been declined despite sufficient funds to pay for all transactions to date. Square Inc., is engaging in wholesale fraud, and unjust enrichment.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I have been trying to negotiate a debt settlement with my original credit card company ( First National Bank of Omaha ). In the midst of this negotiation, I received a notice from that  original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. 

I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( XXXX XXXX XXXX ), telling me that I need to send payment to XXXX. I sent them a verification letter on XX/XX/XXXX/2019. To date ( XX/XX/XXXX/19 ), I have only received copies of my credit card statements and a notice stating that XXXX was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (TX)

We were sent a XXXX XXXX by Cash App under my husband 's name and address. My husband has never used the Cash App and never requested any such credit or debit card. We suspect fraud by either the company or someone else who is using my husband 's identity. Cash App is only available via email for customer service and has continued to miss the point of our concerns. They have not addressed the issue of apparent fraud or explained what happened here for our peace of mind and understanding. Additionally, it is not possible to reach the XXXXXXXX XXXX  XXXX XXXX listed on the card. Is is very alarming to receive a card with your name on it that you had nothing to do with and we are getting very little help or reassurance from Cash App and Square, Inc. in regard to this matter. The company seems to have very poor safety and security measures in place and does very little to assist customers.
Consumer complaint received 2019-03-12
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. (WI)

This debt was included in a amortization of debt. We filed in XXXX of 2018. And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX  in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (NJ)

Not sure if you can help..I have always ( weekly ), used Credit Karma.com, to get my credit scores, and check balances on credit cards and loans..I also used them to do my taxes last year..The last time I checked was XXXXI went on their website XX/XX/19, to do my taxes, and they now say my sign on is invalid..They want to text me a verification code to verify my identity, but they are using my old phone number..Thet phone has been deactivated! I entered my new number, XXXX XXXX, but they told me it was invalid..I sent them several emails from XX/XX/19, but receive no response..They dont have a contact phone number..They are still sending me emails prompting me to use their tax service, but I can not, since it tells me to verify, thru my old phone number..I am at a loss at how to get thru to them..Please help..Thank you.
Consumer complaint received 2019-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Applied for a credit card to be subsequently denied because " Based on your application information, application submitted is incomplete or can not be verified ''. Upon contacting Capital One they said my form of ID was not valid and could not be verified within their system despite my ID being a Georgia State issued Commercial Drivers License. I spoke to the following agents at the fraud detection department ; XXXX XXXX, XXXX XXXX & XXXX ( who just hung up on me. All agents were incredibly disrespectful, all agents said that my application was denied and they couldn't tell me why my ID couldn't be verified and advised me to reapply, I asked them to please just look into my ID issue and forget about my application and the rudely refused. XXXX started bickering with me when I mentioned that a CDL ( commercial drivers license ) is an even higher rated type of ID than a regular one and she said its not because her dad has one and she looked it up on the internet, dismissing the fact that I am a CDL Holder and I own a XXXX XXXX that hires other CDL owner and I know what I'm talking about. She proceeded to tell me that no one was going to be able to look into this for me. XXXX told me the same thing not before speaking to me in an incredibly condescending manner, saying that he could not provide me with " life advise '' when I was not asking for that rather for someone to look at my ID and figure out what went wrong. He transferred me to XXXX who just hung up right after answering.
Consumer complaint received 2019-03-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

mr. Cooper https : //www.mrcooper.com/ This is the Company that is now servicing the loan that my Daughter and I have on a property that she lives on. We had the servicing done by XXXX which had excellent service. Both of these companies are Mortgage Servicing companies and our loan with XXXX was recently transferred to mr. Cooper. This is the company that I am, having trouble with and hope there is some branch of Government that take some action against.
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I signed up for a debt consolidation loan in XX/XX/2015. Since then I have went for extended periods of time with no income. I get hired through temp agencies and work a few months and then out of work again. My debt consolidation loan has been in forbearance. The loan started out at {$30000.00}. Now my loan while still in forbearance my loan amount is {$36000.00}. I can not afford the loan now, there is no possible way I will ever be able to pay it when the amount keeps increasing. Debt consolidation is suppose to help people like me. This is not helping me. How can a consolidation company increase my amount while in forbearance? There have got to be laws to protect consumers from such practices. I do not know how companies get away this. 
Also I have requested information from XXXX XXXX  on 3 separate occasions and I have not gotten a response still. I requested details regarding my consolidation loan. I want to know exactly what loans are covered in there. I contacted XXXX XXXX XXXX and they told me they do not have that information. I was told I needed to contact XXXX. When I contacted them I never get XXXX reply. I have sent emails and made phone calls and got nothing. I feel there are loans duplicated in my consolidation loan. When the loans were sold and resold I feel that multiple companies have submitted the loans. I had a lawsuit in my local county for a student loan I never had, the company that was suing me was not even a lender. XXXX XXXX XXXX XXXX XXXX sued me, they lost in court. I have been notified numerous time by XXXX stating my identity has been compromised. All of my issues with my identity is from student loans. Companies buy debt and sell debt and then these loans show up multiple times on your credit. It has happened to me. It is still happening to me. I tried to do the right thing by getting a debt consolidation loan and they have been screwing me as well. I have the right to know what loans are in my debt consolidation. In order for me to owe a debt there has to be original paperwork from the original lender and the paper traiXXXX from that time. I can not get any proof or documentation from anywhere. I read reviews about XXXX and how they have fraudulent practices. I live below poverty level. I am struggling and this company possibly has loans in my debt consolidation that should not be there. When a consumer requests such documentation it has to be provided. There a laws in place to protect consumers like me and yet no one will give me the information. Can someone please help me? I do not believe I owe the amount they say I do. How can a company charge interest in forbearance, over {$6000.00}. This is insane. Student Loan Lenders are destroying people 's lives. Someone in government should step up and fight these companies. And debt consolidation companies too. I do not believe I ever had {$30000.00} worth of student loans.
Consumer complaint received 2019-03-13
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. (NY)

Please be advised that I've been working with TransUnion LLC since XXXX of XXXX to fix and correct all information on my credit file. But as of today XXXX of XXXX. TransUnion LLC as failed to follow the procedures of the FCRA. TransUnion LLC has been reporting misleading, unverifiable, incomplete, erroneous, fraudulent, inaccurate information, and old none relevant information with no physical copies documents to show proof of illegal reporting on my credit profile. Because of TransUnion LLC negligence I am suffering at a tremendous financial hardship. TransUnion LLC is clearly breaking federal & state law by continuing report these accounts on my credit report and it needs to be addressed and corrected at once.
Consumer complaint received 2019-03-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited {$36000.00} into a Certificate of Deposit with Wells Fargo. At the time I had a business that I operated. At some point my business sought and was approved for a credit line. The business agreed to pay the loan. I did not guarantee the loan personally. Due to the down turn in the housing business my XXXX and XXXX  business went out of business and that independent corporation was responsible for the debts that it had. That said, Wells Fargo essentially impounded the money in my CD to cover the outstanding debt that was owed by the corporation. However, the deposit agreement does not provide for this to occur. My attorney sent Wells Fargo request to produce a copy of the deposit agreement which they say authorized them to impound the monies in my CD, but they refused to do so. Instead, what they sent to him was a copy of the new deposit agreement that permits Wells Fargo to take money out of a private account to cover the debt of a related business. No such provision existed at the time that I deposited my {$36000.00} in the CD. I am looking for the immediate release of all of my money in the CD plus interest. I deposited to the money before 2012 and my most recent request that I made last year was met with some obviscation about the statute of limitations running.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Block, Inc. (FL)

On XX/XX/2021 XXXX XXXX stole my phone then took XXXX dollars out of my account!! Then Another incident where XXXX XXXX stole something of important and also took money out of my account. My cashapp account
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I signed up for a store credit card from XXXX on XX/XX/XXXX for {$2300.00}. In the initial statement, it indicated that I would have to pay {$94.00} a month to avoid interests. I setup autopay and opted for paperless statements. I thought I did not have to look at my account again. The promotion expired in XX/XX/XXXX and I was charged {$1000.00} on interest. I only checked my account online yesterday and found out about it. I was offering to payoff the balance in XX/XX/XXXXif they would reverse the interest but they rejected it. The statement of paying {$94.00} to avoid interest was misleading. There was a warning on the statement about the expiration date of the promotion but as I said, I opted for paperless statement confident that my autopay amount would be enough. Even then, offering to payoff the amount due before expiration should be acceptable for both parties.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MS)

CashApp allowed a merchant to obtain funds and not complete the service. CashApp then lied on the bank dispute and said that I, the consumer, received goods/services in full, which is a lie. I provided them with documentation showing the seller never responded after the company received a payment. I have contacted CashApp several times, and all they do is send automated responses. I have the proof, and it is unjustifiable for CashApp not to refund my money and lie.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (NY)

They are very XXXX this bank is horible with my Im a victim of Id theft and they refuse their is a guy their XXXX with the fraud dept refuse to help me saying I can never have an account when I filed my complaint with this company about it their president sent me a letter apologizing Telling me I can apply for a card with no problem well i just did and they are XXXX saying no that I cant and thats as high as it will go this bank has to be shut down they treat me like XXXX they approve me then say they made a mistake horible customer service they dont agree with what I say complete dishonest bank
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (VA)

In XX/XX/2017, XXXX/ XXXX switched to another loan company XXXX ( XXXX XXXX XXXX , XXXX ). It has been a mess since the switch. I have called them multiple times to please send me monthly statements either via email or via the mail. I have called them multiple times almost monthly and I can not get this resolved. When the bill is not paid because I do not know when to pay the bill, they report me as late and my credit is adversely affected. This practice is unfair. At a minimum, I am entitled to a bill via email or text at a minimum.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXXXXXX 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  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 2019-03-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX account : The main concern I had during this process was that they acknowledged a complete application for their underwriter two times. At that point they have 30 days to make a decision ; which took them over three months. The reason was because escrow stated they did not have enough information to determine an escrow payment. One several occasion we provide all requested information in a timely manner and they acknowledge receipt and that it satisfied the request but still did not make a time decision. Their delays directly contributed to an increase in the escrow portion of the payment and further arears. They basis for not being able to offer a modification was because they could not make changes which would offer an affordable monthly payment, but if they had not delayed they payment would not have needed to me as high. Their internal processes prevented XXXX  from being able to seek a fair solution and violated her rights as a borrower. the delinquency was due to an adjustable interest rate that changed after a 10 year lock in period ; which XXXX was not aware of and the payment increased from {$400.00} to over {$1000.00} a month. That XXXX met with a housing counselor as soon as the delinquency happened but because of the delays by the servicers the loan has fallen further behind and has been referred to an attorney which now makes the possibility of an affordable retention option difficult if not impossible.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Date : Since Wells Fargo assumed my mortgage on or about XX/XX/XXXX. 

Disputed Escrow Account Charges : Approximately {$700.00} or more Disputed Late Charges : Approximately {$180.00} or more Unfair charges to my escrow account regarding flood insurance, for which I have provided proof of. My unit is on the XXXX floor of a building. My building is covered by flood insurance and has provided proof of coverage to Wells Fargo and its predecessor mortgage company I have provided proof of flood insurance but they continue to charge me for it Establishment of Escrow account when it is not needed or required and without my consent- estimated to be {$50.00} per month or more Inaccurate charges late charges when my bank has been making automatic payment on time like clockwork estimated to {$13.00} per month or more Negative amortization to my loan balance that are unauthorized My outstanding balance on the mortgage has increased Wells Fargo misapplies my additional principal payment into an escrow account which should never have been established in the first place Attempted to response the situation, but Wells Fargo continued to promise to resolve the situation but they never do- they retaliate further Non-stop harassment phone calls in early mornings before XXXX XXXX, on weekends before XXXX AM on Saturdays and Sundays, before XXXX XXXX and in the evenings, after XXXX XXXX   Wells Fargo is harassing me because I have a 15   year fixed rate mortgage at 3.250 % originated in XXXX.