davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In the past 12 months and as recent as XX/XX/XXXX ; I have disputed a Tax Lien with TransUnion many times. After several disputes, they continue to report, even though courts do not report, or validate any type of record/ Lien . I have personally got in touch with " The Register of Deeds '' here in XXXX, Ma, and they have told me that they do n't report or validate anything with The credit bureaus. So with that I asked TransUnion many times where there getting their information from, because its not from the source. I do n't have any tax Liens nor am i in debt ; XXXX removed this mark due to it not being correct.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have a mortgage with Pennymac that has PMI that I am trying to remove. The estimated time to completion was 15-20 business days according to their customer service. It has been 26 business days and counting. This is not acceptable to be almost double the estimate with no end in sight. Their delay is costing me money and they are in no hurry to fix this.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

Hello Consumer Financial Protection Bureau, I hope you 're doing well and thanks for all you do. However, please help me! Nelnet ( with its sky high interest rates already ) is doing everything it can to get even more out of me. Specifically, I have three groups of student loans - A, B & C. Groups A & B have higher interest rates ( 6.550 %! ) ; Group C is somewhat lower ( 6.160 % ). 

I 've done what I can though to get these lower rates, down from the original ones, which were even higher ( basically 7 % ). Namely, I 've signed-up for direct deposit and automatic payments. Researching Nelnet further, I determined after my minimum payment, I could actually put the rest of my payment, exclusively, toward the higher interest rate Groups, A & B. Doing so, put approximately an extra {$150.00} of my $ XXXX payment toward my principal ( making it a great option for me )! 

However, Nelnet appears to not like me paying-down my account in this way. Thus, instead of applying my directed payment toward the two high interest groups ; instead, Nelnet keeps, accidentally, putting half of my payment toward the lower interest group ( C ). This means about an extra 14 % /month ( of my monthly payment ) goes to Nelnet as interest, instead of toward my principal. I 've called-in for several months now to get this corrected, and I 'm told -each time- it was a one-time mistake and will never happen again. Yet it just did, again, with this month 's payment. Am I the only one? It 's unlikely. I would really appreciate your help in fixing this matter ( or Nelnet all together ). 

Most appreciated. 



XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I opened a Citi Priority checking and savings account on XX/XX/2021. They were supposed to deposit {$700.00} after 90 days of maintaining a minimum balance of {$50000.00}, which I did. They give themselves an additional 90 days to make that deposit. It is now XX/XX/2021 and I have never received their advertised bonus despite meeting all requirements and having called numerous times. I would like them to pay the bonus plus interest.
Consumer complaint received 2021-06-09
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Consumer complaint received 2017-08-25
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. (MI)

The following is a list of hard inquires on my XXXX credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible 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 Thank you
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BB&T CORPORATION (GA)

I r ecently got a BB & T credit card and was told that the card came with zero interest on purchases with 21 p ercent monthly for cash advances. I was then told on a recorded call to the company that all payments would cover the highest interest product first then everything else. I was told that my cash advances would be paid first because they are the highest interest and that as long as I pay for that amount then I would never get interest. I took out  a cash advance  of  XXXX  on  XXXX   XXXX   2017  and then paid  XXXX  on  XXXX   XXXX  and then  XXXX  on  XXXX   XXXX . Even though I was told on a call  to BB & T, that they recorded, that it would zero out my cash advance and I would have no interest left to pay when I deposited the money I saw that my cash advance had not gone down. When I called them they told me that my payment was applied to my previous balance, of zero interest purchases, not the c  ash advance that I had took out two days ago. Now I have steal acc umulated interest after they told me that if I made that payment that I would n't point blank. This is all recorded and on their records.
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: Conn's, Inc. (TX)

Conn Credit Corp. is reporting inaccurate information on my credit via XXXX  and XXXX. Conns basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I just hate that BBBA COMPASS take so long to complete transactions to where it causes overdrafts. You can have the money in the account per what it says is available, twice I have had this problem. It takes forever to update your account and direct deposits. I have talked about thi s on three occasions and I removed my overdraft option. They are slow on updating the accounts and they need to update their systems.
Consumer complaint received 2017-03-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (LA)

I was n't able to keep up with payments on the loan ( paying full amount of money loaned to me plus {$55.00} interest bi-weekly ) and was in the process of filing bankruptcy. The loan company ran my check through which was returned non payment to them so they turned it in to the District Attorney 's office for worthless check. this check was for payment of a payday loan which should not be considered a criminal charge. I received a 10 day demand letter to pay the loan in Full {$350.00} plus {$25.00} NSF Charge plus {$120.00} statutory fee ( DA fee ) plus certification fee {$6.00} for a total of {$510.00} by DEMAND LETTER to be paid within 10 days of receipt of the letter. When the creditor submitted the application for the worthless check claim to the DA 's office they stated that they sent me a 10 day notice of payment demand via certified letter but I never received a notice from the creditor ( Island Financial ). The check should not be considered a criminal charge since it was a pay day loan and instead should be a civil charge. I have n't been given proper notice to pay the said debt with additional fees in a short period of time.
Consumer complaint received 2016-04-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My XXXX Mortgage changed from an Interest Only Loan to 10 year fixed loan. My loan amount is {$35000.00} the changed from 4 % to 4.25 % ( when I ask for an explanation I ca n't get one ). My complaint is they have calculated my payment incorrectly. My payment should be {$350.00}. The first statement I received had my payment at {$400.00} with the conversion to a fixed rate loan when I questioned the payment I was told it was changed to 4.25 %. This would make my payment {$350.00} not {$400.00}. The last statement I received has my interest rate at 4.25 % with a payment of {$410.00}. I have had XXXX conversations about this with the lender who keeps saying they will get back with me.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc. (IN)

Date : XX/XX/XXXX. I have been receiving repeated calls from " Online Information Services '' ( OIS ) in North Carolina. Message says they are calling about a debt owed by " XXXX XXXX XXXX '' ( sp ) which is not me nor anyone I know. The message also instructs me to take action ( call OIS ) if I am not this person. I do not and will not interact in any way with such calls, and I 'm not going to call and tell them my actual identity, particularly as there are **hundreds** of online complaints about this company ( including one that reports notifying the FTC of OIS ' fraudulent and harassing practices as early as XXXX ). 
Number OIS call me from : XXXX Number OIS tells me to call to be removed from their calling list : XXXX Note also : I am on the National " Do Not Call '' registry and have been for years. 
More info about OIS included legal complaints : XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

CashApp - A service rarely used by me, but has had some scam issues with some phishing emails lately and some spam. I recently was notified that my CashApp account was closed due to a transaction that violated their terms of agreement. I immediately thought someone has access to my account information. I reached out to CashApp 3 separate times to ask what transaction caused a violation in their terms of agreement and what the violation was. I was told my account is closed and they can not provide any further details. I have the list of the 6 transactions that I have used since XX/XX/2023 ( as stated, I don't use this app much ). 2 of the transactions are to XXXX ( gas, food, help with XXXX lights, etc ), 1 transaction is to a local booster club supporting the XXXX Baseball team, and 1 transaction is to a XXXX restaraunt, and the last 2 are to friends for a purchase of an item. I have reached out to the XXXX  and filed a complaint as well, and to this day, still get a script of 'ca n't help you ' from the business. 

As a consumer, I should be able to know what transaction violated the terms of agreement and verify it was truly a transaction I authorized or processed. So far, I can't get that information.
Consumer complaint received 2017-06-12
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)

I have had this account since  XXXX   XXXX . I always  ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MA)

From may of 2022 until present I have asked and provided all the documents cash app has asked for in regards to accounts $ XXXX XXXXXXXX and any other account active under my personal information. They promised reimbursement right away and never did, all I get is the run around every time I call
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I check my transaction history everyday. Chase bank will charge my card for a transaction. This transaction will fall off and I dont ever see my funds put back in to my account. When asked Chase claims that the money was put back in to my account. They tell me the date. On my transaction history it is no where to be found. This happen to me often and Chase gives me no valid explanation. They only say that the charge fell off and they never took the money out at all. This is not true cause my available balance and the money they take always reads red. It is blue when money is received. Which they do not post. I can not see when transaction fall off my money being returned. Then the transaction itself disappears as well, leaving no trace of said transaction. So its mentally frustrating and putting me in a low place of XXXX.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (WA)

I re-financed my vehicle on XX/XX/XXXX with another finance company XXXX XXXX XXXX XXXX, original loan was with regional XXXX XXXX of which originally they did not fix the credit hit when I bought the vehicle in XX/XX/XXXX either. I got credit report on XX/XX/XXXX shows regional acceptance reporting late payments and payoff of loan and was docked XXXX points on all 3 credit Bureaus I called regional and spoke with XXXX @ ext XXXX who confirmed the vehicle was paid in full on XX/XX/XXXX and there were no issues or late payments due. Told me I have to take the matter up with XXXX, XXXX, XXXX bureaus because XXXX  XXXX doesnt have a credit department, I asked the question ; well regional reported it so you must have someone. XXXX stated no. So here I am trying to resolve the matter because I am in the middle of purchasing a home.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

My name is  XXXX   XXXX . I applied for the Tennesse e Housing Development PRRPLE Program.   This is a mortgage reduction program that assist homeowners who have had a major change in their life such as divorce or death of a spouse. My husband died  XXXX / XXXX /  XXXX  . Due to my loss of income, I applied for this program submitting documentation over  a 2 1/2  month period. I received a certified letter stating that my mortgage compan y, Penny MAC USA w ere not willing to accept the terms of the agreement. They wanted the {$40000.00} but only wanted to do a curtailment. They will not reduce the monthly payment and rewrite the terms which is a requirement for the  PRRPLE  PROGRAM. I have reached out to state and federal representatives. I was told to write your office to see if there is more that can be done. I need help. My monthly income in  XXXX . My mortgage payment alone is  XXXX . This program would be a  XXXX  send for the circumstances that I currently face.   Can you help me?    XXXX  APPLICATION NUMBER :  XXXX   PENNYMAC USA LO AN NUMBER :  XXXX
Consumer complaint received 2017-08-25
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. (HI)

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account
Consumer complaint received 2020-06-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HOVG, LLC (NV)

Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. 
I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MD)

Subject : Formal Complaint Against CashApp for Unauthorized Charge by Merchant ( XXXX  ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CashApp regarding an unauthorized charge made by the merchant " XXXX  '' on my card. The details of the incident are as follows : XXXXXXXX XXXXUnauthorized Charge : XXXX On approximately XXXX XXXX XXXX XXXX made a charge on my card without my authorization. I promptly filed a dispute on XXXX XXXX XXXX after the charge was made. 

XXXX. XXXXDispute Filing : XXXX I initiated the dispute process as soon as the item posted. To support my claim, I provided emails indicating that I was not aware of signing up for any subscription and explicitly requested the cancellation of such subscription. 

XXXX. **Email Evidence : ** The emails in question are time-stamped, clearly stating my objection to the subscription and insistence on its cancellation. Despite my multiple requests, the company assured cancellation only after the item was shipped. 

XXXX. XXXXProduct Return : XXXXXXXX  Subsequently, I refused and returned the product, emphasizing my disagreement with the subscription and requesting a refund. 

XXXX. XXXXCommon Sense and Timeline : XXXX I ordered a two-month supply, but not even one month passed before I was charged again. This occurrence highlights a failure in common sense, as I had clearly communicated this is a one-time purchase which furthermore demonstrates my non-consent to any ongoing subscription. 

I kindly request your assistance in investigating this matter and ensuring that appropriate action is taken against CashApp for allowing an unauthorized charge by XXXX. I believe this incident raises concerns about consumer protection and the need for accountability in financial transactions. 

Please find attached relevant documents, including the disputed charge, emails, and proof of product return. 

Thank you for your prompt attention to this matter. I appreciate your efforts in upholding consumer rights and ensuring a fair resolution. 

Sincerely, XXXX XXXX