davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (SC)

On XXXX XXXX, I contacted my bank Navy Federal Credit Union, which I have been a member of since XXXX. Navy Federal Credit Union ( NFCU ) informed me that my account was place on restriction and that I did not have access to pay my bills using " bill pay '', " outside transfers '', or from " other institutions ''. My account is not past due, I have not been late, nor have I ever had any credit problems in the past. I asked the agent why was my account being retricted and she was unable to explain. She put me on hold for 10 minutes and when she returned she told me that I would have to call back later for a specialist to explain why my accout was retricted. I waited 1 hour and called back. The agent again put me on hold and retured to the call unable to reset my access nor explain why my account was retricted. I asked serveral questions regarding the retriction and the agent informed me that there was a scam going on and my account was restricted due to suspicion that my accout may have been compromised. I normally use my outside banks and accounts to pay my bills, restricting my access will delay payment or cause me problems in paying my bills. I am a veteran, that served and retired with 28 years of service. This type of treatment is unexplainable.
Consumer complaint received 2017-09-04
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. (PA)

On XX/XX/2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three XXXX XXXX XXXX XXXX Experian and Transunion because they agreed to remove these transactions they are now along with Transunion XXXX and XXXX in violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-04
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. (TX)

XXXX has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XX/XX/XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XX/XX/XXXX.I took it a step further and decided to contact XXXX to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XX/XX/XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ 4k since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XX/XX/XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed XXXX that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from XXXX has wanted to take accountability and accommodate me with what I was originally told. I 've even provided XXXX proof of the information displayed on their website at the time and asked them to pull the calls. XXXX has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from XXXX on XX/XX/XXXX at XXXX. Her contact number is XXXX Ext:XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XX/XX/XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and XXXX with the burden of proof to justify my claim. Its sad because I was a loyal customer with XXXX and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use XXXX and will likely spread the word of how this company operates unethically.
Consumer complaint received 2024-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (NY)

Since the summer I have been making payments on the loan on time. Ive been late on my loans XXXX times. I have paid over XXXX in my loan and none of it is going towards the principle. Its all going to interest except XXXX XXXX  of it. Their response is give it a few more cycles and youll see money towards the principle. Same response I received last time we spoke. On XXXX I received a breakdown of my loan and its all going to interest. They also wont work with me on the payment schedule as it is hard for me to be able to make payments in between paychecks. They wont work with me in this matter. Giving me the reason that they cant change the dates of when the payments need to be made.
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Consultants, Inc. (NC)

I received a bill from XXXX over a year ago. They had not filed insurance on two bills. So I called and asked them to file the insurance and they said they would. They filed insurance on one but not the other. I called them back and paid the one that was filed with insurance. I asked them to file the other one. I received a 3rd bill where they had not filed insurance. I called them back and asked them to file again. I then received a letter from a collection agency. I called them and told them that the insurance was not filed and they sent back to XXXX to file insurance. It was sent to another collection agency. I called them and told them the same. It was sent back to XXXX again. XXXX then waited several months and sent to another collection agency. I called them and told them the same. They contacted XXXX and XXXX said that it was past the 120 days they could not file insurance. I told them I was willing to pay the 20 percent of the XXXX but I would not pay the full amount because it was their mistake I did not hear from them until now. They have sent it to collections again.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

XX/XX/2024 there were multiple transactions made in my Cash App account from XXXX. The last XXXX transactions for {$190.00} and {$480.00} sent all my money from my Cash App account to a strange account I dont know. The other attempts were also sent to strange accounts I didnt know. I had lost my second phone that day, out running errands and I didnt realize until I seen all of my money was missing from my Cash App account. I tried requesting a refund from the person and reporting the account. I also made multiple disputes with Cash App to try and get my money back but they have denied one of my disputes saying it was me and I told them I had a second phone that was stolen by someone with all my info still in it. I just really want my money back I was saving up for my birthday and apartment and that just really put a dent in my pockets.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX a check I wrote was stolen out of the mail and altered when I went into my Webster account on XX/XX/XXXX to make on electronic payment my balance was XXXX dollars I went into my transaction history and saw a check I wrote out to XXXX XXXX for {$440.00} was altered with a different name and dollar amount was changed to {$4400.00} I went to Webster bank on Friday XX/XX/XXXX filled out all paperwork work Im going on XXXX months still has not put the money back into my account I was told it can take 8 months before this money is placed back into my account I am the only source of income in my house hold this is hurting me financially I feel there process for placing the money that was stolen out of my account is horrible basically what Webster Bank is telling me until XXXX  refund the money to them, then they will put it back into my account this is terrible customer service.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (IL)

I received a letter dated XX/XX/XXXX from PNC where I had two checking accounts asking for {$380.00} that they say was still owed on the business account ending inXX/XX/XXXX, ( see attached ) .. They stated this amount was due and payable at this time. I have real issues with this letter. This started back in XXXX and I have already filed a complaint regarding this onXX/XX/XXXX and they still have not answered yet they feel they can send collection letters. The letter is signed " XXXX '' a Recovery Specialist. XXXX who? Whatever happened to correct letter writing where you would put your full name? The letter has no explanation as to what I owe {$380.00} for. I then went to online banking to see if I could find why this money was owed and was given a screen that says there are no eligible accounts. How convienent for PNC to wipe all this info off their system. ( See attached ) PNC has a way of paying merchants who they want to and who they do n't want to. If the money was not in my account due to a PNC error why would they pay the money out to make my account go negative. I will not be paying any money on this letter. Another class act action on PNC.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CO)

Am writing to express my utmost concern and dissatisfaction regarding the withholding of the funds in my Square account. As of XXXX/2022 I got notified by square that my account has been deactivated and my square balance totaling {$98000.00} will be held for a period of 90 days, right now its over 16 months and my funds is still being held by square which is causing significant financial strain and impeding my ability to conduct business effectively. 

Despite my repeated attempts to address this issue through your customer support channels, I have encountered nothing but delays and unhelpful responses. I urgently demand the immediate release of my funds in full. 

The impact of this hold on my business can not be overstated, and it is imperative that this matter is resolved with the utmost urgency. Failure to do so will leave me with no choice but to seek legal counsel and pursue all available avenues for resolution. 

I trust that you will prioritize this complaint and take immediate action to rectify the situation. I look forward to a prompt response and the release of my funds.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION (NJ)

Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a XXXX XXXX. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I had a student loan, it was a XXXX loan from XXXX  XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XX/XX/XXXX and defaulted in XX/XX/XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XX/XX/XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With Equifax, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XX/XX/XXXX. I submitted multiple disputes to Equifax and they have not fixed the problem. I have multiple old credit reports sent directly from Equifax XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XX/XX/XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XX/XX/XXXX and first reported as 90 days late and XX/XX/XXXX. The date of furniture is adamant that they're providing the correct information to Equifax showing that the account was reported as 90 days late in XX/XX/XXXX and that the problem is on Equifax end. Equifax refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On X/2017 kohls/Capone reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and XXXX
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

On XX/XX/2024 I lost my CashApp card was lost at a concert. Someone spent {$230.00}, in various places, while I was at the concert. I disputed this with CashApp and was denied. Their reason for denial was that I had made the transaction or authorized someone else to. This is not true. On XX/XX/XXXX I reported my card stolen and waited for all of my things to clear so I could dispute. I think it's terrible a company can make a call like this. They told me to contact my bank, but my bank had nothing to do with this. My CashApp balance was used. Terrible customer service or recourse action for a loyal customer. They also gave me someone else 's cash app transactions as well.
Consumer complaint received 2017-09-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is bank of america 2nd one is  XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX  did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at bank of america discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. XXXX is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

I paid my mortgage in full on XX/XX/XXXX, I disputed to the credit bureaus that the delinquency, and past due balance should be updated to paid and no past due balance because this account was paid in full and I have my title. Vanderbilt Mortgage responded back to XXXX on XX/XX/XXXX that the account was not paid, and there was a past due balance which is incorrect, if this were true how did I receive my title to my mobile home? Vanderbilt reporting incorrect information has caused me to be turned down for credit such as a new home loan. They are reporting that I am 120 plus days past due
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

Cancelled XXXX 3 months ago. Today XX/XX/XXXX. 
When I switched to XXXX XXXX the day after I called XXXX to get receipts and final bill. 

My on line account was canceled so I could view my last billing cycle so I could be reimbursed on my expense from my employer. Nor would they tell life if owed anything for final payment. 

They said they would send a hard copy for XX/XX/XXXX which was paid auto draft as had for many years. They never did. 

Now they want multiple months after I cancelled. 

Today I received a collections notice from a company called Convergent for {$580.00}. 

The reason I cancelled is because had increased by well 50 % over two year period. 

My new server is 50 % less with brand new phones. 

I will not pay a dime more to XXXX. XXXX is a criminal organization. 

I am concerned about credit being effected which is perfect at the moment.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (IN)

I am writing to express my profound dissatisfaction and concern regarding the holding of my funds in my Square account. As of XXXX XX/XX/year> I received a mail from square that my account has been deactivated and my funds totaling {$82000.00} will be held for a period of 90 days, right now its over 18 months and my funds is still yet to be released which has caused significant financial strain and hindrance to my business operations. 

Despite my persistent efforts to resolve this issue through your customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration and XXXX 

I urgently request the immediate release of the entirety of my funds without further delay. The impact of this hold on my business can not be overstated, and it is imperative that this matter is addressed with the utmost urgency. Failure to resolve this issue promptly will leave me with no choice but to explore alternative options for recourse. 

I trust that you understand the gravity of this situation and will take swift and decisive action to rectify it.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2017-10-16
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)

XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )