davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

I had a loan with Santander Consumer USA for a car. That car was involved in a total loss and I paid down the principal so that my insurance settlement would cover the rest, with was done after confirmation with a rep from Santander that it would cover the total and I'd be free and clear. Fast forward a couple of years, I have a charge off for {$300.00} from them and my dispute didn't work. It is causing issues with me now getting a vehicle. I was never notified that I had a remaining balance with them, my last communication was that I would be clear with them. I previously had never had a late payment on an auto loan and I haven't since then either.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

I sent {$60.00} on XX/XX/2022 via " Cash App '' to a restaurant owner with the handle " XXXX '' for payment for food. After I made the transaction, I was told by the restaurant owner that she doesn't have access to the cash app account to refund me the money. I tried reaching out to Cash app around that time to explain that I needed a refund on a transaction due to the vendor declining access to her cash app account. Cash app told me that they were unable to issue refunds once the transaction was completed and told me that the restaurant owner would need to contact them and state the issue. I spoke with XXXX XXXX directly and she never corrected the issue. I also brought this to cash app 's attention in XXXX of this year, still no resolution.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cashapp {$4400.00} was stolen out of my account. I have filed dispute after dispute with cashapp which they are the worst customer service I have ever had to deal with I have been hung up on disregarded and they down right refused to help. I was denied then received a email stating that they agree that my account has been compromised and that they have now secured it. With that being said I thought finally I will have my money returned too me not 24hr after receiving that email I received another email saying that my dispute has once again been denied that the transaction in question was completed successfully but I dont understand how if I have been hacked and they stated that they recognize just that. I never gave anyone permission to add or remove my bank information and I definitely never gave anyone to cash out every penny I have to my name. I have been treated like XXXX and I have still done all I know proving that I was hack the money was wrongfully removed from my account to a unknown debit card that I have even contacted the head of XXXX department that cashapp said the money successfully received and they first of all gave me XXXX different trace numbers for this one transaction and top that off the bank informed me that the transaction doesnt exist and the ach numbers are not real ach numbers! I have my own opinion of the hacking is a inside job but I also had lost/stolen my phone and wallet around this time but I cant see how some random person would have this knowledge ability or access to have done this so quickly unless they already know and have access to the financial platform and when I asked a customer service representative about a prior rep that I spoke to he choked up and put me on hold for a long time and then finally came back to tell me that he isnt allowed to tell me the name of the individual that I had already spoke to and he couldnt tell me why?
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

Dates are approximate. 
On XX/XX/year>, I received an email from my credit card company saying that my monthly autopay was declined by my bank- US Bank. I called US Bank that day and they said my XXXX account was OK - no problems. I then called the credit card company and they again said my monthly autopay was declined by my bank- US Bank. I went to my local US Bank office and spoke to the manager who told me my XXXX  account was frozen and in the process of being closed. I asked why and he said because of a certified check that I tried to deposit in XXXX, XXXX, that was fraud. I told him that when I brought the check to US Bank to deposit that I was concerned it my be fraud. I asked if that was the case would there be any consequences to my account and they said no, the check will just be declined. 
My complaints are : 1. My account should not have been closed 3 months after trying to deposit a certified check 2. I was NEVER informed by US Bank that they were closing my account.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

XXXX Mortgage has refused to send a monthly statement for the month of XXXX. He month they keep sending them later and later and now they haven't sent the statement for both loans we have with them. I'm having to submit XXXX complaints, XXXX for each loan.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MO)

On XX/XX/XXXX I transferred {$130.00} to my CASHAPP account. Cash app took {$100.00} instantly out. I reached out to customer support and was told Thank you for reaching out. We understand the importance of your funds. A technical error that occurred between XX/XX/2023 and XX/XX/2023 impacted one or more of your XXXX XXXX transactions. They could not tell me a date or actual transaction this is what again I was told Thank you for getting in touch about this issue. This happened with the merchant XXXX with the amounts of {$77.00} and {$33.00} and {$24.00} and {$31.00}. We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. I continued to reach out to customer support and my account was escalated up. I was sent a transaction history ( that I can forward to an email ) that does not show any error in my account or funds not being taken out properly. It does show a strange pattern on how cash app managed their debit/credit ledger ( with each transaction showing as Pending, then Voided, then Captured ). I have asked about this and also returned an email stating If you notice on XXXX my account balance was XXXX. I transferred {$130.00} on XXXX making the balance {$140.00}. I made a purchase at XXXX for {$20.00} leaving me with {$120.00}. I then made a purchase for {$33.00} at XXXX leaving {$93.00} in my account then another purchase for {$77.00} ( the purchase your saying didnt come out of my account ) leaving me with an ending balance of {$15.00} which is reflected in the document you sent me under XXXX XXXX. XXXX tried to take {$100.00} and it was declined and reverted my balance back to {$15.00}. Which it remained at until XXXX when I transferred {$110.00} over to make a purchase at dollar general this is all calculated from the document you provided! 
I need my money returned for this accounting error on cash apps end. 

I could not find the error. And they have yet to return my {$100.00} or to provided factual evidence or reasoning as to why it was taken by them to being with.
Consumer complaint received 2022-01-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BSI Financial Holdings, Inc. (MI)

My loan was transferred from BSI Financial Services to XXXX XXXX. Date of transfer was on XX/XX/21. My account number under BSI is # XXXX. 

My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from XXXX XXXX shows a Corporate Advance Adjustment ( one in the amount of {$5300.00} and the other in the amount of {$13.00} ). 

I am now just finding this out because of the year in statement received from XXXX XXXX. 

When I questioned representatives from both places they had no idea where it was coming from. 

When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. BSI never sent me anything on this. 

If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Ive contacted Chime multiple times the agent updated my phone number wrong so now I have no access to my account without a valid ID and a selfie. I gave them an expired drivers license because my wallet was stolen. I have no access to any of my money, I am currently being evicted have no electricity in the middle of the summer, I have tried multiple times to have access to my account. They hang up in my face and laugh like its a joke they put an ATO on my account. Someone had access to my card which was replaced so now I have no access to any of my money I am on XXXX and its not fair that I can not access my money. I have verified everything that they wanted me to and with my expired license they told me they couldnt accept it. Absolutely ridiculous when theyve made a silly little mistake upon their behalf updating my phone number wrong by the area code, and the agent actually told me they put a ATO on the account dont ever use Chime!
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I previously requested that the Credit Bureaus remove the disputed accounts that are reporting on my Credit File as soon as possible. Once again, I was a victim of identity theft and the Accounts I am disputing were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. Also, the Credit Bureaus have not yet sent me copies of documents I seek such as the Proof of verification or proof of ownership or any documents bearing my signature. If the Credit Bureaus are not able to remove the disputed accounts on my next Credit Report update without sending me copies of documents I seek, please understand I will initiate legal countermeasures. Once again, please remove the following accounts completely from my Credit File 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 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 2022-01-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Loan Servicing Holdings LLC (IA)

A loan was obtained with XXXX in XXXX, The next year my husband and I divorced. The degree stated we were each responsible for half the loan. I paid my half and it was clear that my ex was not going to pay his half. I continued to pay for as long as I could. In the meantime the loan was sold off to Specialized Loan Servicing. Finally the property was foreclosed on in XXXX. At the time it was discovered that XXXX never recorded it as a second mortgage. The bank took the house and it has been sold off to another party. I notified SLS in XXXX of the foreclosure and that I could not financially take care of the loan. They offered a settlement, which I forwarded to the other party on the loan. It was not settled. I have attempted to contact SLS multiple times and offer to settle this debt. They continue to respond with information on short sale and how to prevent foreclosure. That is long gone. There is no property. I have no assets other than a XXXX XXXX XXXX and a XXXX camper. I am willing to settle this debt with them in the amount of {$3500.00} that was owed at the time I couldn't make the payment anymore. The other party is clearly not going to take responsibility and I want to clear it up. I understand the effect it will have on my credit. The loan is now well over the original amount that was owed with all of their fees and penalties. Again, I have attempted multiple times to contact them and settle this. They have contacted me during the day while I am at work and can not take the call. When I try to call them back I can't get through because they want the mortgage information on a house I haven't owned since XXXX. Can someone please just help me with a debt settlement to take care of this debt. Point me in the right direction to settle this debt. I am willing to settle for an amount less than all these ridiculous fees and penalties. I have paid more than half of the original loan already.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CA)

I purchased online from the company on XX/XX/2021. I was given a code to use for a 30 % discount if I signed up for a new credit card with New York & Company. I used the code online but it did not show up when the transaction went through. I then called the same day of the order and was given a refund/credit of {$95.00}. When the statement came the amount of the full charge without the credit was showing. I called in numerous times for months and was told numerous times it would be fixed. As of today it has not and now I have late fees and a late payment on my credit report which I was told would not happen as an investigation was taking place. I have ZERO late payments and this has affected my credit tremendously. I was lied to every single call and feel like I was being scammed into paying money that I did not owe. This has caused extreme stress.
Consumer complaint received 2022-01-26
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. (CA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

Hi, Ally Financial has been calling me to say Im in the process of repossession for my car because Im behind 4 payments. I have receipts and tracking number for my payments from the month of XX/XX/XXXX-XX/XX/XXXX. As I am on the phone with the rep, they are saying Im behind since XX/XX/XXXX and Im catching up on whatever is late. I asked them can they verify the exact dates which ones are missed, they cant seem to give me the information. Instead the rep gets upset and ask if I can make {$1400.00} today. I hung up the phone and called another rep to see if they can help me. The second rep told me I owe {$2400.00} and that I was behind on whatever delinquent. Still no specific dates according to them that I missed. I will not make any payments until I find out what is missing and wheres my payments going to since I been mailing them through money order and express mail. I became frustrated because I felt like every rep I spoke to didnt want to help me, so I hung up the phone. Please help me out.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

Experian reinserted the XXXX XXXX XXXX Account to my credit report. I have not received notice from this collection agency. They did not send me a dunning letter informing me that they were attempting to collect a debt. This is in direct violation of my consumer rights. Experian did not notify as well within 5 days of reinserting this item. This item should be deleted immediately.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

Exeprian refuses and and has failed to properly investigate review and responf to information provided by me and XXXX XXXX XXXX XXXX regarding wrong information being reported on their DATA BASE. PLease review letters from the XXXX XXXX XXXX XXXX which clearly indicates the Experian Failure to properly respond to their communications and my certified letters and calls and uploads.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Commercial Collection Corporation of New York, Inc. (WI)

On XX/XX/2019, I received an email regarding a debt I forgot I owed to XXXX from XXXX XXXX at Commercial Collection Corp. They stated I have an outstanding balance and gave the amount, then gave information on how to log in and resolve my balance. 

This wouldn't have been a problem, however, in this email, they CCed 15 other email addresses. Some of these email addresses were ones I used when I was XXXX years old, which I have not touched for decades. Some were to family members. Others I did not recognize at all. 

This is a major violation of my privacy and I am overwhelmed and mortified that this information was released without my consent.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Hello. My identity was stolen, and an extended fraud alert was added to my credit report. This should stop credit offers for 5 years, but I am still getting weekly mail from Capital One.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-04-14
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. (MI)

I sent an certified letter on XX/XX/2021 that included all the necessary information to have the 4 accounts removed my my credit report along with evidence for each. TransUnion did not take any time to do an investigation and simply put meets fcra requirements. This was updated to this note immediately! XXXX  and XXXX have already removed the accounts. This is one example of why TransUnion is facing a lawsuit for not investigating disputes properly. Three out of the 4 accounts are companies that are not licensed in Michigan and did not provide the validation and verification I asked for. The fourth account holder did not respond to my request for validation within the 30 days allowed.
Consumer complaint received 2018-12-20
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. (WI)

I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting