davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/XXXX I lost acces to my Cash app account due my phone were stolen. I proced to get in contact with the Support department notifying the situation of my account being compromised and the innability of me to sign in, I fallow what was instructed on the website. Durinrg the email exchange I communicate the Representative what happended and the limitation faced with the signin procees. XXXX attempts were done to get back acces to my account during the XXXX of XX/XX/XXXX to XX/XX/XXXX with and without the Support Team of Cash app and many emails and phone calls..After having the IRS involve in the process to get back my account becuase the Second and Third Stimulus Chack were deposit in that account on XX/XX/XXXX finally a Support Member of the company were able to give me acces to the account with the same information requested by the copany in the previos attemps during the XXXX 3 years. Veriying the balance of the account with the information I had at the moment of my first attemp to sign in I noticed money moved transaction by the amount of {$2100.00} from my Cash app Account to a XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I've been getting in contact with the support tema over this transaction but the information provided on their ends is the same answer ... " the transaction was sucessfly '' to a what I keep asking why they do that transaction when I didnt have no acces to that account from XX/XX/XXXX to XX/XX/XXXX and the transaction was done by I dont have a clue on XXXX XXXX. They gave me a transaction number and sended me to go to a XXXX XXXX XXXXXXXX brance to get more information. When I went to inquire about that transaction one of the managers of the branch told me No information can be provided to myself because Im not the ower to the account. Making awere Cash app Support teman representative about what was XXXX XXXX XXXXXXXX work over this problem, Cash app just limit to keep in silence giving me no answer, help or option to get my money back. Most of the time a " Lets see what we can do because Its been almost 3 years of that transactio '' is their line of introduction when I have their attention. Theres no compromise for this company at all with their costummers. They dont offer any rational solution to this error of them with my account.neither honoring their statement of what they promote in the statements sent by them saying the balance of a dispute will be provided to the costummer to be used untill the dispute is solved. The account I have problems with is XXXX XXXX 

At the moment of filling this claim I didnt have with me the drive I have save the screenshots and emails between me and the Support Team to get this problem solved
Consumer complaint received 2018-02-01
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. (PA)

I disputed an incorrect public record that was being reported on my credit report as well as a charged off account that was showing an incorrect balance as well as status. A company XXXX XXXX. 

The company responded that both items were verified but did not provide me with how they were verified and by whom with is something that I am entitled to by the FCRA. 

I contacted Experian directly my phone to ask how was this public record verified and was simply told that it was. I asked for name and phone number of the person or agency who verified the information in question and was denied which is a violation of my rights. The FCRA states that items on reports must be verified as entirely and 100 % accurate or they must be deleted. 

In addition, I have also not received any documents from the Experian or XXXX XXXX validating the accuracy of the reporting of the account in question of proof that of ownership of this particular account which is still being reported on my credit report in violation of the FCRA. 

I intend to fully seek legal action against Experian for violating my rights as well as causing serious damage to my credit rating.
Consumer complaint received 2017-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery continues to contact me. They do not leave a message. I was involved with a class action suit with Portfolio Recovery that was settled a few months ago. I have filed a complaint against this company a few months ago and the calls have increased and they call from different numbers in different states. This harassment needs to stop. I do not owe this company any money. My last complaint was also for them pulling my credit without my authorization.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

Hello, I have been a square up account holder for years. I recently changed my account to accept money for massage services as I am a licensed massage therapist. 

After a few clients, and account verification square sends me an email stating suspicious activity. They took their money and told me the funds will be held for two months and the account closed. 

I contacted square to find out why and was told that they have the right to close the account for any reason. 

This is unprofessional and embarrassing. I was given no explanation and feel its unacceptable to say theres suspicious activity and not say what is suspicious.
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 — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with Equifax but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (GA)

Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections comp any, AFNI. Now, both are appearing on my credit report and AFNI is mis-representing the date the account was open. The open date shoul d have be en  X/X/XX  but  they are claiming it was open in   XX/XX . Th ey are also reporting that I missed a payment in   X/XX . I  have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (HI)

I already had a Square account for a couple of years, but decided to use it when I had my first XXXX XXXX XXXX on XX/XX/XXXX. I had {$250.00} in sales, and when I returned home I got an email stating that my account was under review and then a second email on XX/XX/XXXX stating that my account had been permanently closed. I emailed customer support and asked why my account had been closed and I got no response so on XX/XX/XXXX I called customer service and spoke to someone about the issue and she told me that she is not at liberty to disclose why the account had been permanently closed because of privacy. I asked her if I am getting that money since I had to pay my state/local taxes and XXXX XXXX XXXX. She said the funds would be released in 90 days, and she promised that it would appear in my account that I had connected. Ive waited for these 90 days, and I still havent received my funds, even if its only {$250.00}, I still have been coming out of pocket for paying my XXXX XXXX XXXX, taxes and not able to use that money to put back into my small business hindering me from being able to participate in more XXXX XXXX. I emailed Squares customer support, since I am not able to reach anyone, on XX/XX/XXXX just to check in and see what the status is and no one has gotten back to me.
Consumer complaint received 2021-05-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (CA)

XXXX XXXX XXXX called us stating they could do a refinance on our home and give us a rate of XXXX. We agreed to do business with them. We did not hear from them for a couple of weeks then they said we did not need to make our XXXX and XXXX payments. However, after 66 calls to them and only 19 responses we decided to make our XXXX payment and made our XXXX payment as we had not heard from them. They had promised it would close by XX/XX/XXXX that is why there was no need to make the payments. 
They kept promising it was about to close escrow. In the 19 calls we did speak to them they said everything was in the works, come to find out it was not. We spoke to a XXXX, XXXX, XXXX, and now today a XXXX. When I asked how to spell her name she said I could spell it anyway I wanted to. I told XXXX XXXX that I wished to resind our agreement to refinance with them. Had we not made our payments when we did we would not be current. I have asked these people to stop calling me as now it has become harassment. The whole process started in mid XXXX and it is now the end of XXXX. We have decided to go with another company and are completely satisfied.
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Navient Is reporting XXXX loans on my credit report. XXXX of which have the same account number XX/XX/XXXX XXXX XXXX balance at {$5300.00} and XXXX at {$3700.00} XX/XX/XXXX XXXX has a balance of {$2100.00} XX/XX/XXXX XXXX has a balance of {$940.00}. 
I am trying to buy a house and the mortgage company shows XXXX loan reports on my account with a payment of {$130.00} per loan. Its only XXXX payment for the whole totaled loan of {$12000.00}. So the mortgage companies see it as me paying XXXX $ per loan adding up to XXXX $ total. This throws off my debt to income ratio and messes up my mortgage rates. This needs to be fixed as Im only making one payment. Or it should break down the payment to reflect each loan.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I graduated from XXXX in XX/XX/XXXX. I was scheduled to start repayment inXX/XX/XXXX. When I started repayment I also consolidated my federal loans to make them financially manageable. When speaking with the person who was helping me consolidate and pick a payment plan for Public Service Loan Forgiveness I was counseled incorrectly. I asked  multiple times if the payment plan they suggested counts towards Public Service Loan Forgiveness and I was told that it did. I stayed on that plan for 2 1/2 years until finding out via my loan being sold and put into forbearance that I was on the wrong payment plan and none of my payments counted towards the 120 needed for forgiveness. It's over 30 payments that have not been counted. That's over {$18000.00} that I was counseled incorrectly out of. I have spoken to My XXXX XXXX and they say they can not do anything about it. I want to file a complaint due to the negligence of the loan provider.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

[ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] XX/XX/XXXX Block, IncXXXX ( formerly known as Square, Inc. ) Square Capital , LLC License # : XXXX Institution Name : Block , Inc . 
Officer Name : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX Dear Sir/Madam, I am writing to demand the immediate release of funds amounting to {$4700.00} from our Square account. Our company, XXXX XXXX XXXX XXXX, has diligently followed the terms outlined by Block , Inc., as per the email dated XX/XX/XXXX. It was explicitly stated in said communication that on XX/XX/XXXX, the sum above would be made available for withdrawal. Regrettably, despite fulfilling all stipulations, this release has not occurred. 

It has been 90 days since the specified release date, and the funds have yet to be disbursed. This delay is not only in direct contravention of the terms agreed upon but also constitutes a breach of contract on your part. Such actions are unacceptable and have resulted in severe financial hardship for our company. 

At this moment, we demand that Block, Inc. immediately release the sum of {$4700.00} to the balance of our Square account for withdrawal. Failure to comply with this demand within 24 hours of receipt will leave us with no alternative but to pursue legal action. Please be advised that we will not hesitate to initiate a lawsuit in a court of law to seek restitution for damages incurred due to your breach of contract. 

We trust that you will promptly and appropriately rectify this matter. Should you require further information or clarification, please do not hesitate to contact us at XXXX. We anticipate a swift resolution to this issue and the immediate release of the funds owed to us. 

Sincerely, XXXX XXXX Co-Founder [ XXXX XXXX XXXX XXXX ]
Consumer complaint received 2017-04-14
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (CA)

Ad Astra Recovery Services is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with Ad Astra Recovery so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (ND)

I have tried disputing this tax lien with Equifax that has been withdrawn with the letter of withdrawal of tax lien because I never owned the money, and the state of west Virginia realized their mistake. I have supplied Equifax the letter, and they still refuse to remove it from my credit.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (AZ)

I opened my account with Square on XX/XX/2024, and was using and processing payments until XX/XX/2024. Suddenly on XX/XX/2024 I recieved an email that my account has been closed. 

They are telling me I can not receive the payouts that I processed with them ( {$8000.00} ). 

And that my account has been closed and I can no longer process payments. 

I have sent emails- called- and I have received no support back, not even telling me why my account was shut down. 

So essentially they are holding {$8000.00} that I have processed.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Dear CFPB, On XX/XX/2020 I made balance transfer ( {$11000.00} ) from XXXX XXXX to American Express. After two weeks I find out that American express made mistake and transferred money to someone else 's account. I called American express immediately and opened case. They told me up to 10 days money will be back to my account. In addition, they will stop APR and don't charge me with late fees. However, it's been almost two month Amex didn't refund money yet. I called numerous times to Amex and they tell me " not to worry '' they will take care of it because it was their mistake. I called again two days ago and complain that I start getting APR charges ( even I was told they will stop it ) and late fees. They transferred to me different departments and after hour and half on the phone they still didn't had any answers. They told me they will call me back after couple hours but its been two days since and no one called me back. I've been in this situation almost month and a half. I paid Amex for this balance transfer almost {$400.00}. Amex made mistake which they had to fix in a reasonable time but they didn't. If I didn't call no one even would care. I'm extremely disappointed and ignored. Im getting charged APR, late fees and my credit score is getting lower. Please see attachments.
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: Experian Information Solutions Inc. (IL)

Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (GA)

This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I was scammed involving Cash App or XXXX XXXX. On XX/XX/year>, my phone showed me sending money to someone in amounts of {$200.00} and {$400.00} through Cash App. Right away, I told Cash App, XXXX XXXX, and my bank about it. I closed my Cash App and bank account quickly. I showed Cash App the messages to prove it wasn't me & immediately text fraud, but Cash App, XXXX, and the bank did not accept my claim. I have the cash app texts to prove. Now, I've lost {$2000.00} and need to complain officially and find out how to get my money back. I'm in college, and saving money is really hard for me. This situation is very upsetting.
Consumer complaint received 2018-02-01
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. (TX)

Credit card account does not belong to me from XXXX XXXX, I want to remove this account from my credit report. It is showing up on my XXXX  and Transunion report
Consumer complaint received 2017-08-29
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: Navient Solutions, LLC. (GA)

I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of Navient and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now inXX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of 120 past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next yearXX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-01-24
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. (MA)

This is a complaint about my payments to XXXX XXXX XXXX XXXX in XXXX MA. At the end of the year they went back and applied all my payments that were only a couple weeks late to my upcoming payment, making it look like I had missed my XXXX payments. I have checks with dates and withdrawal dates that prove I paid them all within 30 days. Late payments should not be reported to credit bureau unless > 30 days late. So for example my payment is due on the XXXX of every month. In XXXX. My check was sent XX/XX/XXXX and was cashed XX/XX/19. Then in XXXX I sent it 2 weeks late and they didnt cash it until XX/XX/19. But that is still within the 30 days. They applied this payment to my XXXX bill early and reported to credit that I missed my XXXX payment. UNACCEPTABLE. I have never missed a XXXX dollar payment since I got the loan 3 years ago. This dropped my credit score 100 points right as Im about to start applying for mortgages!!!!