davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

Money have just been leaving my cash app account without my authorization. I had XXXX sitting on my cash app {$5100.00} was taken from my account because when I goes to check the account this morning its only {$4800.00} left. Cash app do not tell me where my money went to or nothing I have tried to reach out to customer service but they have not return my funds and they wont let me order a new card to take the remaining of my funds out the account. Can you all please get my funds back to me.
Consumer complaint received 2021-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

As of XXXX XX/XX/2021, Sallie Mae has made weekly attempts to communicate with me either via letters or email communication about a student loan on which Im a cosigner. These communications treat the cosigner as the primary borrower, which, despite what Sallie Mae claims, is not the purpose of the cosigner. The purpose of a cosigner on a loan, any loan, is to serve as a backup to the primary borrower should the primary borrower be unable to or not make payments on the loan- the lender having sought repayment from the primary borrower first. 

On XXXX XX/XX/2021, I initiated an online chat conversation with one of Sallie Maes representatives to discuss what efforts Sallie Mae has made in contacting the primary borrower. All the representative could assure me of was that the primary borrower had received the same communications that I had received. 

I asked for the representative to confirm the primary borrowers contact information, including email and address on file. The representative refused to give me any of this information, despite the fact that I am the cosigner on the loan. 

You can not hold a cosigner financially responsible to the same extent as the primary borrower if you are not willing to share the same amount of information with the cosigner about the primary borrower on the loan. 

The agent then instructed me to view the communications stored in my profile to understand what the primary borrower would have received. This was an impossible task as nowhere on the online portal is there an ability to view or reference any communications sent by Sallie Mae. I do not have an option in my portal to view any messages, letters, or any other types of communications made by Sallie Mae to me. 

It is therefore impossible for me to determine if Sallie Mae has made any verifiable attempt to contact the primary borrower, and is therefore acting as a predatory lender in attempting to coerce the cosigner of the loan to begin repayment. 

Sallie Mae, in their role as the lender, is expressly breaking their obligation to attempt to collect payment from the primary borrower before defaulting to the cosigner. They, in effect, place the entire onus of responsibility of financial education and repayment solely on the cosigner.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX ( Experian ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call
Consumer complaint received 2022-09-27
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

yes ive havd several funds taking out of my cash app accoiunt and ive been tring sence XXXX to have them resolved and i have not been able to get any thing done with the problem cant get anyone to even look im to it and then on XX/XX/XXXX i was sent XXXX and only receved XXXX and there isnt a bank linked to the account and they keep tring to tell me that thed bank got the rest not possail when there isnot one linked to the account thank you
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (NJ)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My mortgage company XXXX XXXX XXXX XXXX sold my loan to Freedom Mortgage. At the very of end XX/XX/XXXX and throughout the month of XX/XX/XXXX I received at least 2-3 pieces of mail and 2-3 emails from NYCB alerting me of this change. I did not receive a single email from Freedom Mortgage and only received my new loan number in the mail from Freedom less than 10 days before my first payment was due ; the paperwork we received was printed/dated XX/XX/XXXX. Besides being illegal, this is not good business practices and thank goodness I 'm web savvy and could still create my new account and get my mortgage paid when it was due. This was an incredibly frustrating experience wondering if Freedom would get me my information in time. I attempted to create a new account on the Freedom website, but was unable to since I had not yet received my new loan number. Compounding this issue, XXXX in the middle of the transfer alerted me that we had an escrow shortage, but I could not resolve that after XX/XX/XXXX according to XXXX because all new payments should be directed to Freedom. Please let me know how this will be remedied as this was a very poor customer experience.
Consumer complaint received 2021-12-14
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. (NJ)

These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a XXXX card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - XXXX {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

Due to my relocation from XXXX XXXX  to XXXX XXXX XXXX in XXXX ( which saw a roughly 20 % increase in our cost of living ) and taking a pay cut ( as part of a longterm career strategy ), my wife and I are financially struggling. I am a XXXX XXXX XXXX and she is a XXXX  in the XXXX, so our incomes are based upon time-in, seniority, and rank, not performance or anything else. 

Although we have been making payments, we are robbing from our cashflow to make the payments : we are paying the credit card debt and having to spend it, again, to stay afloat. I attempted to negotiate with Chase ( regarding my credit card ) to lower my interest rate and mandatory minimum payments ( currently $ XXXX XXXX for a period of six to twelve months, so we can get our financial situation in order. They refused, unless I closed the card first : not only would they not promise that closing the card would result in the outcome I wanted, it is also an action that would have negative consequences ( for both credit score and reputationally ). Because of my occupation, I can not have a closed credit account upon which I am also making payments. 

Chase is obstructing my financial wellbeing, even as I attempt to negotiate in good faith. 

I have missed no payments, etc. and yet they remain steadfastly unwilling to work with me, even when it was escalated to their executive-level customer service. 

This is unacceptable.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NV)

On the following dates ( below ) XXXX XXXX withdrew funds from my Cashapp card that I had on file for the bank without my authorization. Ive opened a dispute with Cashapp on XX/XX/XXXX and Cashapp customer service is refusing to refund me my funds for the unauthorized transactions. 

The dates and amounts of the unauthorized transactions are as follows : XX/XX/XXXX for {$48.00} XX/XX/XXXX for {$32.00} XX/XX/XXXX for {$100.00}
Consumer complaint received 2023-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

XXXX refuned me {$110.00} on XX/XX/2023 cash app said I spent XXXX at XXXX XXXX XXXX the same day. Then they told me it for for a payment from XXXX XXXX XXXX  from XX/XX/2023. I have bank statements screenshots showing that transaction was completed the day of. Now cashapp will not give me my refund there was no pending transaction in my account at the time. I contacted XXXX XXXX XXXX  and they informed me the payment from XX/XX/2023 was completed that day and they reassured me they didn't charge me twice. It doesn't even show on cashapp they charged me again customer support sent that in a message when I contacted them but they showed me no proof.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was change too XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XXXX XXXX XXXX  REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XXXX XXXX XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XXXX  this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

The apartments management changed and ownership changed several times. 
They would send out letters stating this. 
This caused a lot of missed communication. 

We then spoke with a lady name XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who worked in the business office. We did a mutual Agreement. Because of the inconsistency with fixing things and not being able to tell us what the xtra fees on our rent bill was. 
No eviction was filed. 
We also have a letter stating the balance we owe. It says XXXX. 

We reached out to the apartments for several months, they told us its in collection We then reach out to the collection agency. 
The balance on my credit profile was XXXX I called and spoke and asked for a payment plan. They said no. Pay in full. 

Then about 2 days later the amount went up to XXXX they added XXXX. 

We called again asked why did the amount get raised? After the phone call. They raised the balance to XXXX dollars.. 

My lawyer has reached out numberous times. 
No response.. 

This is ruining my life. Ive had to stay with family, not able to get a place of my own. I have two small children. I want to pay this off. But only the official amount.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NY)

Due to my relocation from XXXX XXXX  to XXXX XXXX  XXXX in XXXX ( which saw a roughly 20 % increase in our cost of living ) and taking a pay cut ( as part of a longterm career strategy ), my wife and I are financially struggling. I am a XXXX XXXX XXXX  and she is a XXXX  in the XXXX, so our incomes are based upon time-in, seniority, and rank, not performance or anything else. 

Although we have been making payments, we are robbing from our cashflow to make the payments : we are paying the credit card debt and having to spend it, again, to stay afloat. I attempted to negotiate with Wells Fargo ( regarding my credit card ) to lower my interest rate and mandatory minimum payments ( currently $ XXXX XXXX for a period of six to twelve months, so we can get our financial situation in order. They refused, unless I closed the card first : not only would they not promise that closing the card would result in the outcome I wanted, it is also an action that would have negative consequences ( for both credit score and reputationally ). Because of my occupation, I can not have a closed credit account upon which I am also making payments. 

Wells Fargo is obstructing my financial wellbeing, even as I attempt to negotiate in good faith. 

I have missed no payments, etc. and yet they remain steadfastly unwilling to work with me, even when it was escalated to their executive-level customer service. 

This is unacceptable.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

For months on end I have told cash app regarding unauthorized charges and it's seems they say back end floated through it without lifting a finger to decide credit or apologize with something I can use for XXXX  me off on charges to XXXX XXXX XXXX and app like XXXX XXXX I've had it with these frausters and oreover the quasi banks that's thinks it ok to hide behind the XXXX  symbol bit not honor it with provisional credit for credible people
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Reviewing my most recent credit report it appears that a late payment 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!
Consumer complaint received 2017-11-09
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: AES/PHEAA (WV)

American Education Services Have repeatedly put disputed credit on my report after they were informed not to put anything until a resolution could be possible through an attorney. They place it 4 times with no owed money, just killing my credit.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (PA)

On XXXX/XXXX/2016, an unauthorized person logged onto the Experian website and used my personal information ( ID theft ) to pay {$1.00} for a 7 day trial to get access to my credit report. I did not know this until XXXX/XXXX/2016 when I received in the USPS mail notifications from XXXX banks ( XXXX XXXX and XXXX XXXX ) that online checking accounts were opened in my name and that {$5200.00} has been transferred from my own personal savings account at XXXX XXXX Bank into these XXXX accounts. I immediately worked with XXXX XXXX and the XXXX other banks to retrieve the {$5200.00} and place fraud reports with each of them. I also filed a local police theft report, an FTC fraud report, social security fraud report, and placed a 7 year fraud alert with all XXXX credit report companies. The problem I have is that when I initially contacted Experian on XX/XX/XXXX ( contacted them on XX/XX/XXXX and XX/XX/XXXX but was told to call back on XX/XX/XXXX since that fraud department was closed for the weekend ) I was told after over two hours on the phone and being transferred to XXXX different people that they do not have a fraud department to handles fraudulent access to credit reports. That they only had a fraud department to handle fraudulent items on the credit report itself. When I tried to explain to these people that it was not me that accessed my credit report on XX/XX/XXXX, they kept telling me it was me based on the information they had. When I asked them to release to me the email address and the credit card used to gain access to my credit report on XX/XX/XXXX, they advised they had that information but would not release it to me. To this day, I can not get Experian to release that information to me. I have asked the local police department to request this information from Experian via a summons, but they do not seem to have the time to do that (? ). However, the local police were able to narrow the thief down to a local person due to other information they gathered ( so it was not a thief from XXXX or other non-USA location ), but they seem to have stopped working on the case due to other priorities. If there is any way you can get Experian to release the CC number and email address used in opening this {$1.00} trial account on XX/XX/XXXX so I can give it to the local police for additional follow up, that would be great. Or if you have any other suggestions on how to get this information to help in the police investigation, please advise. I was very disappointed that Experian would not help investigate this unauthorized access to my credit history, and also amazed at how easy it was for someone to gain access to my credit history via their website. I can provide additional information upon request.
Consumer complaint received 2019-02-15
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. (GA)

I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear CFPB, I have made multiple attempts to rectify this situation on my credit with Transunion via mail and online. To date, I have not received the update that I desired. 

I have sent the dispute attached below to Transunion once again this month via priority mail. I ask that Transunion is told to abide to my request.