davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
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 (NJ)

In  XXXX  &  XXXX  I worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have  a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against me.
Consumer complaint received 2016-08-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. Auto Credit Corporation (NC)

I purchased a car and it was financed through US Auto Credit. They wanted payments every two weeks but not on my pay dates. Payments have been made every two weeks then in XX/XX/XXXX I received a call from them saying I missed a payment in XX/XX/XXXX. No mail or email saying that. So I was late more than 6 times paying them which has affected my credit score. I have been searching for that so called missed payment. Then on XX/XX/XXXX they were to take my payment from my checking account. On XX/XX/XXXX they called me saying my bank account was closed and they could no longer take checks from me. I immediately went to my bank and my account was not closed. They are charging me a late fee again and a non-sufficient fund fee when my bank has not. My account was never closed and when I asked what account number they have, the rep, " XXXX '', told me we only have what you gave us. I asked to speak with a supervisor but no one has called me yet. The supervisor s name is XXXX. I was told by XXXX they do n't waive fees, although I did not incur any. She wanted me to make a payment with a debit from the bank she claims my account is closed which makes no sense. Maybe it 's because they charge {$4.00} fee to pay with a credit/debit card, and there is no fee to pay by check. This company has the worse finance company. It does n't help you but hurts your credit and relationships with family. They call my family and friends constantly as well as me. Enough is enough.
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: Experian Information Solutions Inc. (NC)

I have submitted an identity theft block to Experian, XXXX, 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 three credit reporting bureaus have refused to block it
Consumer complaint received 2020-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 at approximately XXXX I attempted to instantly transfer funds to my debit card account through Venmo. I was not allowed but forced to used an alternative slower service. When I called the information line I was informed that this happens when the bank does not participate or Venmo considers personal risk. I confirmed that my bank XXXX does participate and my credit score is the decision for denial of services. I received no disclosure of this under the fair credit reporting act. Since this seems to be an instremely frequent problem ( there is an automoated phone message stating that risk issue XXXX the government should be interested as this may affect thousands of consumers. No effort or remedy was made by Venmo was made to disclose this to me
Consumer complaint received 2017-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AES/PHEAA (CA)

XX/XX/XXXX2017 I submitted a wire transfer to satisfy my loans in full. It went through XXXX XXXX XXXX which immediately funds the credits in the same business day. As it is customary for the XXXX XXXX XXXX  to provide real-time gross settlement. XXXX XXXX XXXX uses a system that enable its participants to initiate funds transfers that are immediate, final, and irrevocable once processed. 

NOTE : I kept a eye on my account during the four- five day processing time it took to verify my credits were available. It was a weekend that 's supposedly why it was longer than usual. So on Tuesday of this week I reviewed my dashboard and found that every thing was verified and correctly updated. Student loan paid in full. As it should read. 

Two days later they reversed it and refused my payment. saying that my information was incorrect. So i called and spoke with a representative that informed me that they did indeed receive the credits from the sending bank, but had to refuse because my routing number was incorrect. I know this is false because as stated above, the wire is instantaneous. 

https : //www.federalreserve.govXXXX If you take someone to court over a {$100.00} dispute because the person who owed you paid you the equivalent in jelly beans ; its pretty much your choice to accept or refuse payment. The thing is that you were reciprocated with a offer, yet refused. 

Debt discharged. 
So. Since they
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (SC)

Hi, I had service with a phone provider ( XXXX ) My services were disconnected on XX/XX/XXXX. 

My unpaid balance in the amount of {$220.00} was assigned to a collection agency ( XXXX XXXX XXXX ) and I started making payments on this unpaid balance in XXXX of XXXX. 

My payment arrangement was set up to be 4 automatic payments of {$56.00} beginning on XX/XX/XXXX - XX/XX/XXXX. 

I completed this payment arrangment and all 4 payments were withdrawn on the below dates : XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} There was a auto-payment error on the collection agencies end where the payment for XX/XX/XXXX did not get auto-drafted. I called the collection agency to confirm this and they informed me payment would resume on the following month no issues. 

After paying my final payment to the collection agency to fulfill my obligations on XX/XX/XXXX there was no communication afterwards between me and the collection agency ( XXXX XXXX XXXX ) or my previous phone service provider ( XXXX ). 

On XXXX  XXXX, XXXX, I received a written collection notice from another collection agency ( XXXX ) that I had a unpaid balance due from ( XXXX ) in the amount of {$110.00}. 

I contacted my previous phone service provider ( XXXX ) and the previous collection agency ( XXXX XXXX XXXX ) to get an explanation on where this additional balance owed was coming from and why this was not communicated sooner or included in the amount assigned to the collection agency I made payment arrangments with. I have not been able to get a reasonable answer. 

I believe the amount owed was falsely represented when I made my original payment arrangment in XX/XX/XXXX with the assigned collection agency. I received no communication/notice that additional monies were owed/due from either the agency or my previous service provider between the time I made my last payment on XX/XX/XXXX through the time I received a written notice on XX/XX/XXXX. 

This balance is now with a third collection agency ERC and was added as a negative debt owed to my collection report on XX/XX/XXXX. I've been disputing it ever since I received the notice on XX/XX/XXXX.
Consumer complaint received 2017-06-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I am currently in the modification process at this time. I have scheduled sale date for  XX/XX/XXXX -2017. Which a violation of CAILIFORNIA HOMEOWNER BILL OF RIGHTS. Ocwen is dual tracking my loan while in the modification process. A blatant violation of the law. Ocwen would then in a letter sent to me that the sale date is tenitive. I do n't see anything on the foreclosure notice that refers to it as being tenitive. By the way the foreclosure notice is void. The right to foreclose on my home is void. On  XX/XX/XXXX  2017 I received a completed BLOOMBERG AUDIT ON MY PROPERTY by a certified autitor. When I reviewed the 70 page audit with the certified auditor.I was very disturb and angry to what was revealed in BLOOOMBERG AUDIT. The audit showed that   XXXX   XXXX   is not the owner of my note.   XXXX   XXXX    SECURITIES IS THE OWNER OF MY NOTE. I have requested from Ocwen at least four different times who the owner of my notes. Each time in the letters Ocwen sent me which I have in my possession that   XXXX   XXXX   owned my note. I was lied to in writing. BIG LIE!   XXXX   XXXX   is the trustee not the owner. Also in the audit discovered to my earlier suspicions that FRAUD and ROBO SIGNING were found to have taken place. THE CHAIN OF TITLE have been broken. The DEED OF TRUST and the NOTE have been seperated. I have sent 70 pages of the certified BLOOMBERG AUDIT to CONSUMER FINANCIAL PROTECTION BUREAU for review. Stop trying to foreclose on my home illegally.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXXXXXX BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-10-06
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. (AL)

I have tried for the last two years to dispute several accounts on my credit report that are fraudulent and the credit bureaus refused to remove the accounts. I have filed an identity theft report. My personal information was compromised 2 years ago in a data breach and I have been fighting this for all those two years to no avail. No one will listen and remove the fraudulent accounts. They are not mine. I did not personally open these accounts and my rights and private information are being violated by these credit bureaus who refuse to remove the accounts.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom I t May Concern My  Name is  XXXX   XXXX   XXXX  my complaint is wit h   XXXX   XXXX   XXXX   XXXX   is two parts, credit reporting to the  XXXX  bureaus, I filed  a Chapter  XXXX  in  XX/XX/XXXX . in doing so it was not aware that recommit my loan w ith    XXXX   XXXX   XXXX   XXXX    ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XX/XX/XXXX . we have never missed a mortgage payment. however, we filed for a home modification in   XX/XX/XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with    XXXX   XXXX  . we  were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XX/XX/XXXX . we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (CA)

Not have I only tried to fix this issued with the management of BMO Harris Bank in writing, this is my second complaint to you. After the first one the VP of the bank wrote me an apology letter saying it will not happen again, yet they are doing it again. I pre-pay my loan quarterly, in the exact amount due, then they apply the payments to the principal and charge me late fees on the payments I have a already paid! This is an illegal practice, and they need to reimburse me and do a full accounting of my payments as they are deliberately trying to commit loan service fraud. Please contact them and audit them. As a former XXXX  XXXX in the XXXX XXXX, i helped create the CFBP for this reason among other loan service acts of fraud and predatory lending. Please see my attached XXXX statement, which shows them doing the exact same thing. They are misaproproating my payments for profit. Thank you, XXXX XXXX
Consumer complaint received 2017-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (VA)

onXX/XX/XXXX2017 I took a loan out with big picture loans for XXXX and said my payment would b XXXX every two weeks for 20 payments total payments would be XXXX Apr 497.6311 they did n't show the truth in learning until after the loan was proceced only paying the interest nothing for the principal I 'm struggling ca n't continue to pay for this loan
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (CA)

On XXXX XXXX I reached out to Cashapp about transactions being made on my account that were malicious, not authorized and fraudulent. I supplied cashapp with enough information to investigate the claim. 

However Cashapp has acted negligent, unfair and abusive in this investigation as they immediately declined my disputes less than XXXX hours. Cashapp never reached out to the merchant, nor did they conduct a full on investigation into this matter. My funds are XXXX insured and protected as a consumer and cashapp has chosen to decline this right the consumer has. 

I requested documentation from cashapp to determine why they made their decision to quick with no real investigation. What they sent me was a document that resembles a receipt/invoice of the transaction. However within the document itself, it shows the XXXX was never present, which means someone could have stolen my information and make an online purchase without my authorization. 

I have been charged multiple times, by the same merchant and I have not received any relief. I am making a formal complaint for my own records and documentation, to have proof of my administrative process into seeking remedy before XXXX  XXXX XXXX XXXX XXXX and/or arbitration. 

A company by the name of XXXX which has been located in XXXX XXXX and then relocated to XXXX has made several charges to my cashapp with a start date of XX/XX/2023. amounting to a total of XXXX  I have repeatedly attempted to give cashapp the opportunity to recover my funds but they have failed. attached you will find screenshots and documents sent by cashapp not show cashapp has not supplied me with enough proof, or a statement in affidavit form, sworn under penally of perjury to determine and justify their actions. the documents supplied to me are a insult and a XXXX to think one can determine these transactions were valid or not, especially after only XXXX hours without no real investigation. 


I will remind Cashapp, this discrepancy represents a clear case of material misrepresentation, and I assert that it is fraudulent in nature. The United States XXXX XXXX  has consistently recognized the obligation to refrain from making fraudulent misrepresentations with the intent to induce another to act or refrain from action based on such representations. 

Govern yourselves accordingly these are the following disputed transactions. 

I ask cashapp to supply me with the proof from the merchant that these were authorized by me with my own signature or identification. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (NY)

To whom it may concern I've opened an account with CreditOne bank in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a Nostrom store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent Nostrom a  goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

I spoke with customer service rep  XXXX  yesterday and she was gracious enough to look over my account with me ; we are currently going into a loan modification agreement and for several months I have called in inquire about the past due balance of {$5000.00} plus dollars that Pacific Union states that we owe on property   XXXX   XXXX   XXXX    XXXX , Ohio  XXXX  ; I have spoken to several reps in the past who have said that they were going to put a ticket request in asking for someone to look at all payments, adjustments, and missed payments to ensure that our balance is correct and as of yesterday we have not received a call back stating that this has been done.
We are grateful for the Loan Modification but would like the terms to be based on the correct amount and not a system error.
Unfortunately in  XX/XX/XXXX  we had to file chapter  XXXX  bankruptcy to ensure that our property and cars were protected while we tried to get back on our feet financially ; in   XXXX   a ESCROW ANAYLSIS was completed by Pacific Union and it showed that we were going to be short and our mortgage was increased almost {$200.00} ; our payments went from {$1200.00} to {$1400.00}. We questioned it then and asked our attorney to examine this ; after he contacted your legal department and spoke with your attorney, the increase in our mortgage was rescinded and per the courts our mortgage payment was returned back to {$1200.00} effective  XX/XX/XXXX  ; please see court document attached. We soon asked for a loan modification and were approved ; our mortgage payment and interest rate were deceased however amount was based off of the {$1400.00} and not the {$1200.00} as stated by the Bankruptcy courts. If Pacific Union is showing that our mortgage payment is suppose to be {$1400.00} then it will cause a greater past due balance than if it were updated back to the {$1200.00} ( the original amount of our mortgage ) ; our trustee was making the payments accordingly at {$1200.00} but our past due was growing because the system is showing the payment as {$1400.00}.
In addition due to the rescinding of the ESCROW increase there was a {$1500.00} overpayment noticed and report by the bankruptcy trustee and she requested, agreed to by all parties and granted by the courts that the overpayment be accredited to the Mortgage Arrears claim of {$3100.00} ; so the actual past due would be about {$1600.00}. There doesnt appear to have been an adjustment of this ruling to our account.
We are asking for the following : Update your system to reflect that our true mortgage payment was {$1200.00} and will now be {$1200.00} Make adjustments to our account that reflect the application of the overpayment of {$1500.00} Review and make any corrections to the past due balance that would be apart of our Loan Modification that was approved.
Send us a new payment history once these payments and adjustments are corrected Thank you so much for understanding and helping us get and keep our mortgage on track!
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

I contacted Target twice at this point and I supplied Target with the FTC report and a local police report as supporting documentation about the ID theft.   Target received the first letter on  XXXX / XXXX / 2017 , they did not update the account with the credit bureaus as disputed. They also did not respond to me personally at all. I spoke with a gentleman last week and again explained the situation, he agreed, Target had been made aware of the ID theft.   I just learned today, Target insists on continuing to report the account on my credit reports. It is my understanding, this is an illegal action on Target 's part. Target also continues to report back to the credit reporting agencies that the account has been verified. This is not possible. I did not open the account, how can they verify an account I did not open.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASH, INC. (MI)

I am receiving emails stating that I owe a payday loan from   XXXX  , which i have requested documentation of, and they have refused to provide. I am not receiving emails stating that there is a " pending arrest warrant for check fraud ''.   The company appears to be " CASH INC '' with an email address of  XXXX