davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (MI)

They first told me I could withdraw XXXX $ everyday. Then they told me I could only withdraw XXXX $ per week and my deposits were counted as a transaction limit. XXXX $ deposited, XXXX $ withdraw is XXXX $ of my XXXX $ limit. When I asked when I could send XXXX $ again, they started telling me my account was on a ROLLING TIME FRAME. Something about a 7 day waiting period. I've lost money not being able to have access to my money. XXXX dropped, I couldn't move it or sell.
Consumer complaint received 2017-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

This complaint is related to public student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX dating back to XXXX 2008 with XXXX XXXX XXXX and XXXX XXXX. A review of my payments indicate only 20 payments qualify for loan forgiveness! After nearly 9 years of employment and consolidating loans ( with a higher interest rate ) in the direct lending program, which was required to be eligible for public service loan forgiveness program. I am now learning that I am 100 payments short of the required 120. I am outraged. My servicers changed several times over the years and in that process my payments were apparently thrown off track. At every juncture I was assured that the plan I was in qualified for pslf. Now I am learning that the payments I made for years did not qualify. This is not my fault. I believe every payment I made should count. I 've been working for years in public service, in a field that requires a XXXX XXXX.
Consumer complaint received 2017-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. 

This is a Wellsfargo account, and I have automatic payments. Please help with this concern. 
Thank you, XXXX XXXX
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC (IN)

XXXX provided XXXX that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XX/XX/2019 FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case 1:19-cv-05727-ELR. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company XXXX nothing ever arrive. I am party in the lawsuit being a client the company XXXX has sent this account collections D & A Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Please review and reopen my original complaint filed : XXXX. That complaint should not have been closed. CASH APP did not provide any substantive evidence of their claims. It's offensive that they claim I authorized this transaction. I have stated repeatedly that I did not and I am the victim here and they continue to victimize me. 

Someone one named XXXX XXXX illegally connected their card to my cash app. That is a fact. I did not authorized this. That is another fact! 

Cash App is lying in their response. They did not investigate and they certainly have not provided any proof of their claim that I alegedly authorized someone to steal {$250.00} out of my account. How does CPFB justify closing this claim? Are there any humans looking at the details of this claim? 

Please reopen my claim and investigate further or make Cash App provide actual evidence. They need to refund my money immediately. 

I would like a phone call from a human on this matter. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (FL)

15 U.S. Code 1692e 10- False or misleading representations Provide proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Falling that, the items must be deleted from the report as soon as possible.

15 U.S. Code 1681s-2 ( aN3 ) : You did not enter this notice of dispute ; you Edit Deleted! XXXX XXXX from date you received my as disoute and occause XXXX XXXX XXXX XXXX  to your company is in volation instruccon Provide proof of this alleged item, specifically the original application, Edit contract. note or other instrument bearing my signature. XXXX that the XX/XX/24 items muss be deleted from the record as soon as possibie
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MN)

Had unauthorized transactions XX/XX/XXXX and XXXX, filed a dispute on the XXXX with Cash App. They responded on the XXXX saying : Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made in case # XXXX. 
An investigation of your claim submission and account details concluded that this was an authorized transaction and no error occurred. 

They provided a print out of the transactions disputed but no other information.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

Cash app is becoming way too problematic. Servers are down often and Im inconvenienced. Now Im waiting for a pending charge to fall off that Ive cleared by the merchant, at cash apps request. Cash app just holds on to funds at this point and I need my money- no matter how little. If the merchant has released the funds, cash app needs to as well.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been banking with bank of america for close to 10 years now. I recently in  XXXX ,   XXXX   transferred my balance from my bank of america account to a new account with  XXXX . i sent a  XXXX  dollar payment in  XXXX ,   XXXX   my account should have been paid in full and that should cover anything leftover. There was a  XXXX  dollars left ; i was with the understanding my whole balance was  XXXX . So i had  one  missed payment. instead of being notified i was reported to the credit bureau and my credit limit was slashed from  XXXX  to  XXXX   ,  which plummeted  my credit score m ore than  XXXX  points. This is wrong i had  one delin quency ( that should be removed under the case of misunderstanding/ miscommunication ) and now everything i have built gets thrown away and i 'm told there is nothing that can be done. Im a veteran who has recently been looking to get a home I cant use this  credit score hi t, this is criminal what has happened. I paid  XXXX  dollars  a two  months before this, i cant get a grace period or a phone call to be notified.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

I opened an account for my XXXX XXXX  and myself at CashApp so we could send money back and forth. We opened the account on XX/XX/2023 and excitedly ordered our debit cards. On XX/XX/XXXX I sent my XXXX {$100.00}, which failed and was returned to my bank account. I then sent him {$10.00}, which stayed in his account, so I sent another {$90.00}, which also stayed. His XXXX  sent him {$6.00} for coffee, but he immediately returned it to her. No other transactions were made. We received our debit cards the same day, but he was not able to activate his because his account was already locked due to fraudulent activity. After repeated chats/calls with CashApp, they can not tell us why his account was flagged and they refuse to reactivate it. After a months worth of phone calls I was finally told how to get the {$100.00} back from his account, but they always give the same, generic answer when you ask to speak to a manager and you are not ever allowed to speak to one. It seems to me that there should be someone who can look at it and see the computer made a mistake, so that my XXXX  can have access to his account.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections and XXXX XXXX XXXX XXXX are double reporting a debt. I recently took a look at my credit and noticed that Bonneville and XXXX  XXXX are double reporting a repo. This is a violation under the FCRA and the FDCPA. I ask that this be resolved immediatley as they are severely affecting my scores unfairly. I am aware that both Bonneville and the XXXX XXXX report to the bureaus as they deem necessary so I need this to be fixed immediatley.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Business & Professional Collection Service Inc (NV)

These debts are noncollectable, they advised me they are beyond statute of limitations. These accounts with Hospital Collection Services are noncollectable according to them. They have ceased all collection activity but still call. Collection activity includes reporting the bureaus. Since this is no longer collectible or active, this account must be removed. All collection activity mustcease including reporting to the bureaus. If not I am entitled under the law to {$1000.00} perviolation. <P/>XXXX XXXX XXXX XXXX ( 2 accounts ) these are medical collections as well I am reminding you of the HIPPA laws. It is a violation to report which doctor ive seen. The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. The U.S. Department of Health and Human Services ( HHS ) issued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) .1 The Privacy Rule standards address the use and disclosure of  individuals health informationcalled protected healthinformation by organizations subject to the Privacy Rule called covered entities, as wellas standards for individuals ' privacy rights to understand and control how their health information is used. Within HHS, the Office for Civil Rights ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties. A major goal of the Privacy Rule is to assure that individuals health information is properly protected while allowing the flow of health information needed to provide and promote high quality health care and to protect the public 's health and well being. The Rule strikes a balance that permits important uses of information, while protecting the privacy of people who seek care and healing. Given that the health care marketplace is diverse, the Rule is designed to be flexible and comprehensive to cover the variety of uses and disclosures that need to be addressed. This is a summary of key elements of the Privacy Rule and not a complete or comprehensive guide to compliance.
Entities regulated by the Rule are obligated to comply with all of its applicable requirements and should not rely on this summary as a source of legal information or advice. To make it easier for entities to review the complete requirements of the Rule, provisions of the Rule referenced in this summary are cited in the end notes. Visit our Privacy Rule section to view the entire Rule, and for other additional helpful information about how the Rule applies. In the event of a conflict between this summary and the Rule, the Rule governs.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have a Hard Inquiry on my Equifax report on XXXX XXXX from XXXX. I believe this is from a XXXX XXXX card I ordered, however I was assured by XXXX that they would only perform a Soft Inquiry. I do not know who XXXX is and the only card I applied for in XXXX was XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Activity Collection Service (CA)

I noticed inaccuracies being reported to XXXX and XXXX credit bureaus by XXXX XXXX XXXX, I for services provided XXXX XXXX XXXX XXXX and XXXX XXXX. I 've never had any Services provided by this XXXX that was n't paid for. Therefore I disputed the information back in XXXX when the error occurred and it was removed from all credit reporting agencies however now I noticed that it reappeared on XXXX and XXXX only. Therefore once again I disputed the charges with the credit bureaus on XX/XX/XXXXand sent the collection agency a letter asking them to verify the debt or remove it from my credit reports. Unfortunately there 's been no action done to verify the debt or being remove from my credit report. My credit report shows remarks that debt is being disputed however it has went away. Therefore onXX/XX/XXXX I tried calling XXXX XXXX XXXX, I to provide my contact information and request a copy of the bill I was being charged for. The representative that answered the phone was extremely rude and very disrespectful to me accusing me of not paying my bills and he started yelling over the phone. I was asking him to send a statement with a summary and description of balances owed. Representative who answered ask me very rudely " What are you going to do with the information '' " Are you going to pay the bill he ask ''. I just repeated my original request and ask for a copy to be sent and that when he lost control and demanded that he 's not sending a bill and he 'll provide me with the information to pay the bill and over the phone. I hung up the phone because I did n't think I deserve to be treated like this for trying to solve a problem that 's already impacting my credit report. I feel something 's not right because he did n't try to call me back however they also never corrected my credit report. Please assist because they only thing I 'm trying to do is clear things up however I have absolutely no records showing that I ever had Services provided that I did n't pay or co signed for anyone else 's Services.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

To Experian :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  one  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name EXPERIAN Date of reques t ( s )   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request  ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX Account name  XXXX / XXXX  Date of request  ( s  )  XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s )   XXXX / XXXX / XXXX  Account name  XXXX / XXXX /  XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  EXPERIAN  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /EXPERIAN CONSUMER  XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request  ( s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  2 Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request (  s )    XX/XX/XXXX Account name   XXXX   XXXX   Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (   XXXX   )  XX/XX/XXXX  Account name EXPERIAN Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name EXPERIAN Date of request ( s )  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-13
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. (NC)

I have submitted an identity theft block to  XXXX , Equifax, and     XXXX   XXXX   .  I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All   XXXX   credit reporting bureaus have refused to block it
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

On XXXX XXXX, XXXX I received a noticed to collect taxes for XXXX filing year due to a form XXXX Cancellation of Debt filed by Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX. This was in reference to my XXXX XXXX XXXX that was repossessed during my time of insolvency in late XXXX. I also lost my home during this same time in foreclosure. This was a joint account between me and my late husband XXXX XXXX who XXXX XXXX XXXX XXXX XXXX. This account was defaulted on in XXXX XXXX and the vehicle was taken and in there possession since XXXX XXXX. See documents outlining delinquency dates. And IRS notices. Due to this company filing this XXXX In XXXX of XXXX the IRS is now trying to collect delinquent taxes for filing year XXXX. This vehicle was repossessed in XXXX XXXX and sold at auction in XXXX XXXX. NOT XXXX. A for XXXX is a cancellation of debt meaning that the company has forgiven the balance of the debt. If this is so why does the debt remain on all 3 credit reports. Attached is a copy of one of the reports showing the account as delinquent with the full balance. This company can not report a XXXX and still report the account as delinquent and try to collect the funds.
Consumer complaint received 2024-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (WI)

I submitted 2 transactions : XXXX withdrawal at XXXX XXXX and paid fee to have it processed within two hours. The withdrawal has not completed as of XXXX XXXX. 

I tried another XXXX withdrawal at XXXX XXXX. I paid an extra fee for it to complete within ten minutes. 

Contacted Cash App support and I was told I have to wait for a response from a XXXX representative by email. I called Cash App XXXX  just to confirm if there was a known issue. The rep was unable to confirm. 

This has happened several times in the past and I was told they wont at least refund my fee. If you offer a timeframe, it should be completed or provide your customer an explanation immediately and reimburse fees.