davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (UT)

Problems have existed in my account since XX/XX/2017. Monies have not been properly credited to my account causing all kinds of problems. Working with the company has resolved some problems, but others still exist with new problems being created. The company has failed to correctly balance my account. 

One new problem is the amounts reported to the IRS on Form XXXX. Even after filing a corrected Form XXXX the amount reported for interest paid on the mortgage is still wrong. It only includes interest paid through XX/XX/2017 and not for the full year.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Dear XXXX. 
In XXXX of 2017 I was hospitalized and asked my spouse to make my Toyota Motor Credit payment for me. My wife 's English is not so good and we do not have children or other people that help us. So she called Toyota Motor and made a payment for the XXXX account which is less than our Toyota Motor account payment. The payment was received by Toyota Motor Credit for less and I was reported late on the payment for that month.

I wrote a letter to Toyota Motor Credit with explanation as what had happened but they refused to correct it as they complied with Fair Credit Reporting Act. 
My point is why they should agree to a partial payment when that is not the amount due. Had the system rejected the payment we would have known that there was a problem with the payment. But they gladly took a {$100.00} less payment and reported me late on the XXXX payment. I think that is not fair as they collected the payment, a partial payment must not be accepted and their system should somehow say that payment was not satisfied or a letter should have followed that only a partial payment was received and that the payment made did not cover that month 's payment due.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (LA)

I have a cash app linked to my XXXX XXXX XXXX XXXX XXXX account. I send and receive funds through this account. On XX/XX/XXXX, a tenant cash app my rent in the amount of {$260.00}, at XXXX. I elected to receive these funds in three days. However, I did not receive these funds in my XXXX XXXX XXXX XXXX XXXX account, and I have not received these funds to this day. On the same day cash app stated that the transaction was complete. Sinch the funds were not deposited into my account, I contacted cash app the same day, XX/XX/XXXX, and informed them that the funds were not in my credit union account. I contacted cash app on numerous occasions through messaging. I was informed that they were working on resolving the problem. Each time that I contacted them, I was given the same message. I never got an answer as to where the money went. The case has not been resolved. On XX/XX/XXXX, I received {$650.00} of rent money in my cash app account. I elected to receive the funds in 3 days to avoid the cash app fee from the direction of an employee in my credit union. Again, these funds went missing as well. Again, I made inquiry with cash app to find out where my money went. I have communicated with 3 people from cash app, and they say an ongoing investigation is being conducted. During a conversation I had with one of the employees of cash app. One of the employees advised me to go to my cash app profile, and I went to my profile, and he said to go under link bank. There I found there was a bank of some other account listed underneath my credit union account called XXXX XXXX. According to cash app representative, the money went into the XXXX account, which I have no knowledge of this account. The account has since been removed from my bank link. According to cash app, my money went into the XXXX XXXX account. My credit Union attempted to research but was unable to do so because they needed the last 4-digits of the account. The XXXX has 3-digits XXXX. I am in need of retrieving the money. I need your help, please.
Consumer complaint received 2017-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (FL)

I called them many times about fraud on my credit report and they still refuse to take those inquiries of my credit than I have an account on my credit report does n't belong to me got a letter from them ( Montgomery wards ) stating that they could not identify the account in dispute and XXXX is still not removing it from my report even I have a letter from the account stating that they can not identify the information on the account
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I began the process of refinancing my mortgage which is currently held with ( Wells Fargo Financial ), to a new company called XXXX XXXX. In XXXX XXXX and my request to acquire paperwork for the refinance, Wells Fargo Financial has withheld filling out the specific form needed to complete my refinance. This document is a government form called " Request of Verification of  Mortgage ''. Both XXXX XXXX and I have attempted several times to have this paper filled out, and they are refusing.
Consumer complaint received 2017-04-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Clearing House of America, Inc. (KY)

I noticed a collection on my credit report from CREDIT CLEARINGHOUSE FOR  XXXX . THEY NEVER NOTIFIED ME IN ADVANCE STATING THAT THEY WERE PUTTING ANYTHING ON MY CREDIT. I am not aware of this account. I sent for validation of this debt and a CEASE AND DESIST TO CREDIT CLEARINGHOUSE. THEY JUST IGNORED ME AND NOW THEY ARE CALLING ME OVER AND OVER. THEY ARE IN VIOLATION OF SEC  809B  IF THE FDCPA
Consumer complaint received 2017-09-02
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. (MD)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX ( applied via XXXX XXXX XXXX store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Consumer complaint received 2017-09-02
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. (MD)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In early XX/XX/XXXX, I disputed this account via XX/XX/XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Consumer complaint received 2017-04-11
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX 2017, American Express made a decision to limit how I could add funds to my Bluebird prepaid debit card which I have used for direct deposit of my Social Security XXXX benefits for quite sometime. However, they failed to notify me of this adverse action until a letter dated XX/XX/XXXX, 2017. In this letter, they indicated that I was no longer able to have direct deposits added to my account due to " suspicious activity. '' I found out the hard way of this decision at the beginning of XXXX/end of XXXX when my XXXX benefits were not deposited as expected, and I called American Express to learn from a from a representative that this decision had been made on XX/XX/XXXX Apparently the representative was not supposed to inform of this decision. Having XXXX, I know that any adverse action by a bank requires an adverse action letter which I did not receive until after 30 days from the decision and action. This is a clear violation of banking regulations I was harmed by this action because I was UNABLE to get my XXXX as expected on XX/XX/XXXX, 2017. ( American Express is one of the issuers that deposits the benefits payments early. ) I did not receive my benefits payment into my XXXX account until the XX/XX/<YYYY>. 

American Express has been without remorse since this decision. This was a petty and nonsensical decision. How does limiting my ability to have direct deposits from the US government limit American Express 's exposure to suspicious activity? 

AMEX should not be allowed to behave in such a manner!
Consumer complaint received 2019-03-02
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: Innovis (GA)

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and  accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.
Consumer complaint received 2019-03-02
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: EQUIFAX, INC. (PA)

Equifax has on confirmation # XXXX my exchange report was used to generate an XXXX score which was resold by Equifax then Equifax states on page 9 of 24 in which pages are missing 7 of 24 pages and information missing of the so call claim of 1 of 24 pages. page 9 of 24 alerts File block Promotional Purposes but Equifax resold as page 14 of 24 It is clear that Equifax is selling information for Promotional Purposes as XXXX it's been worded I fact to make valid what there doing but on the other hand make money of the consumer. Errors updating correct accounts for 5 months like XXXX XXXX XXXX that Equifax just updated. Paid payment 3 months in advance as attach copy but Equifax just updated after 4 months. It is clear Equifax has error after error and goes months to clear up there errors but your credit score is not adjusted to there error or incorrect information with no base.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX, 2017 I applied for a credit increase for my credit card with Capital One ending in XXXX. I was denied the credit increase with Capital One on the basis that they stated that my payment was returned. I fixed the problem immediately because I hold my credit to be a high priority. I then was told by the representative that I could apply for another card. I really did not want another credit card because the card ending in XXXX has a limit of {$2700.00}. I just wanted a {$300.00} increase. I then applied for the card and was approved for {$3000.00} the card ends in XXXX. 

I think that it is particularly strange that I just wanted a small increase from a card company whom I have had an account with for the past 7 years. I then have to apply for another card in which I am approved. My credit score goes down and I have more debt with the company. The combined total of both the cards are {$5700.00}. The interest rate is also higher than my first credit card which has an APR of 29.99 % I think that Capital One deliberately gave me the card in order for me to have more debt. This card is 10x more than what I asked for. I have a good payment history with Capital One and now I am responsible for more debt than I should have! I spoke with XXXX XXXX with the extension of XXXX only once. She said that should would call me back but she only emailed me once and called and left a message. Every time I tried to call her I received no answer!! Capital One states in their letter by XXXX XXXX that they reviewed my account and unfortunately, its not eligible for a lower APR or lower fees at this time. I really did not want the second card or burden. I feel I have been scammed by Capital One and they have not offered viable solutions to my dilemma!!!
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (MO)

I have been a square checking account and user for 7+ months now and I've used the deposit check feature many times since opening as it's a free option for my customers and I for accepting payments. Recently square decided that I did not have enough history with them and they removed the feature to deposit checks into my checking account and only left the option of using the 3.5 % processing fees. They took away my free option after 7+ months of using the service.
Consumer complaint received 2019-03-02
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: CITIBANK, N.A. (TX)

Citibank Best Buy - I spoke to someone on XX/XX/2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why Citibank filed a derogatory mark under my credit report with XXXX. I called Citibank about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

On XX/XX/XXXX we had submitted the certificate of eligibility for the Sandy Forbearance program to Caliber home loans. After months of calling and asking for a response, they sent us a letter dated XX/XX/XXXX stating they require a Certificate of Occupancy prior to reviewing the loan for the program. On XX/XX/XXXX, when we received our CO, it was faxed to Caliber Home Loans. According to the letter requesting the CO, it states that upon receipt of the requested documentation, a Single Point of Contact representative will contact us to inform us that they have the information required. Subsequently, we will receive a follow-up phone call explaining the particulars of the forbearance. We have not received any phone calls, e-mails or US mail responding to the information sent. In addition, we had e-mailed a copy to XXXX XXXX, as he had requested that an e-mailed copy be sent to him. According to the law, we are eligible for a 12 month forbearance from the date we received our CO. We are facing foreclosure and have been patiently waiting for this offer of forbearance. I have been calling the Customer Service line at Caliber once a week since sending the CO and nobody is aware of any such forbearance. Time is not on our side. We desperately need this offer of forbearance, as we meet the criteria according to the law.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I have called the mortgage company several times and am not receiving any response to my questions. I have submitted all the documentation they have requested to process an application for a loan modification and the mortgage and they have rejected the documents I have submitted. 
When I call I am on hold for excessive hold times and then I am disconnected.

I have asked to speak to the escalation department am told they are not available and they will call back. I never receive a call back.

I have been give the names of my " Loan Specialist '' and she does not return my calls.

I was given the name of another escalation specialist and have called and left several messages and never receive a call back.

They are not helping me finalize the application, so, that I can resume my mortgage payments and make a plan for the past due balance owed due financial hardship impacted by the pandemic
Consumer complaint received 2017-09-01
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: Experian Information Solutions Inc. (CA)

Good Day, My name is XXXX XXXX, and I am XXXX from XXXX XXXX. I learned today ( XX/XX/XXXX ) that Experian Credit has been billing my XXXX XXXX credit card account each month for the past 34 months for some type of crediting report or updates that I did not request, did not access and did not want. I have contacted the credit card company to put a stop to the charges. I was finally able to contact Experian and learned from the call taker it has been going on since XX/XX/XXXX. Experian said they began charging my credit card after I " agreed to the terms & conditions '' on their online site to receive a report. The call taker said I requested the service after they offered a discounted price of {$4.00}, and that I was supposed to cancel after a time if I did not want it. They said the following month it went to {$19.00} a month and was increased to {$24.00} later. I have no history with their company or their website, other than requesting a onetime credit score for a job application around XX/XX/XXXX. I  recall I was charged a small fee, but did not request any other services. I believe Experian used unscrupulous, misleading or fraudulent tactics to obtain money from me for services I did not request. 

I am in contact with my XXXX XXXX to get a complete statement of activity to show the charges, but my estimates are that it is about {$730.00}. XXXX XXXX is sending these via US Mail which will take at least 5 days. 

An Experian " supervisor '' named XXXX advised me to go to their site : XXXX XXXX XXXX and provide the reference number XXXX. He gave no hope they would refund anything, other than the past month billing. Although it sounds futile, I will attempt this. 

Thank you for any help you can give me.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Premier Student Loan Center (TX)

I was told by a third party student loan that I qualified for my student loan to be forgiven. they said that {$6000.00} of my student loan had been forgiven and that i would only be responsible for {$3000.00}. They set me up for a payment plan started deducting {$170.00} from my bank for the f irst five months and after that {$10.00} a month. I realized my money was not going towards my loan when I called to ask for the  payment history. I have been trying to reach out to the person who set me up for this student loan forgiveness plan but have not been able to get a hold of him.
Consumer complaint received 2017-03-31
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kenneth, Eisen & Associates, LTD. (NV)

I have been working with XXXX since XX/XX/2017. I asked for EOB to help resolve any unpaid debt. Upon receiving the EOB I called to speak with XXXX about inconsistency and incomplete bills which they said I owed. XXXX was not in the office so I spoke to XXXX. XXXX began to yell at me and tell me " YOU OWE US THAT MONEY AND YOU BETTER PAY UP ''. I tried to ask him to calm down and discuss this issue and he continued to yell, " YOU DO N'T HAVE OUR MONEY DO YOU ... THAT 'S OUR MONEY AND YOU HAD NO RIGHT TO SPEND IT, YOU BETTER GET OUR MONEY AND PAY US NOW '' I hung up the phone.