davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (KS)

I already submitted a complaint, case number XXXX in XXXX. The debt collector agreed I did not owe this debt and removed it, and now XXXX XXXX ( which by the way is not a company that actually exists, and must be someone going around illegally trying to collect money ) has gone with a new debt collector. Their name is XXXX XXXX XXXX, XXXX. The client reference number is XXXX XXXX. I submitted a complaint against the other debt collector and XXXX XXXX XXXX XXXX, yet they seem to be allowed to harass me with a new debt collector. They are using my maiden name ( which has n't been used since XXXX ) and SSN. I do n't understand why this continues to occur, so can someone please stop this harassment? Thanks.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (TX)

I paid XXXX in full. I made XXXX payments : XX/XX/XXXX and XX/XX/XXXX. Each payment was in the amount of {$190.00} to cover the outstanding balance of {$390.00}. Also, I received a letter from XXXX dated XX/XX/XXXX acknowledging payment. This balance had already gone to AWA Collections. AWA has continued to negatively hit my credit report after XXXX was paid in full. I have contacted both parties and provided proof, but neither will remove from my credit report stating I still owe.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (OR)

So Cash app Closed my account for being in " violation of terms of services '' for being suspected of " Gambling '' ... Witch in Most cases wouldn't be such a big deal because in their own terms of services it states that even if you are found to be In violation or Whatever it may be that they will still let you withdraw your remaining balance in the account and Then you can Go your separate ways but In my case My account information was changed somehow and I didn't authorize the switch and it was the email and phone number associated with the account and the password which were all The same Since I created the account when i first made it and I've asked them to please reset the Password and email back to the very original set that I made the account with I have offered my ID my ssc and Whatever else necessary even told them roughly how much should be in the account and Done the steps necessary to Prove my ID and Have already put it into two separate appeals to maybe get full access restored to the account witch has lead me to a dead end each time And I have called the customer service number so many times I can't count anymore and Have had 1 manager agree with me and admit its XXXX that they haven't helped me yet and it seemed like it was going to be promising to no avail... So I am absolutely at my whits end and need legal help to Retrieve my funds from my account
Consumer complaint received 2017-03-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (KS)

My payment is on ACH but Cash Central debits my account before I actually receive my direct deposit check and outside the agreement. So every month I have to be on the phone with their customer support. I am pro active and call them instead of waiting for them to contact me. I have tried almost every month to get the problem corrected but to no avail. Their reps do n't want to hear the problem. Cash Central should stick to the agreement of when they would debit my account, same day that I get paid, not the day before. Also, they should have reps that actually care when I am calling them, not returning a call. I was transferred 5 times tonight but that does n't concern me as much as the fact that you sit on hold in between calls because they do n't know where to transfer the call. I pressed the right # s initially to get to the correct dept. it took over 25 mins to handle this tonight. If it could be fixed without another 30 -45 mins. Thanks.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (MA)

Ive came to a settlement agreement and paid the Requested payment later they still kept going after the Remaining balance and claim the person I made the agreement with no longer works for the Company, but they will send me the settlement letter
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XXXX. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from one program to another program. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I have mailed many times to Trans Union to correct these errors. Trans Union is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected credit report.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Block, Inc. (CA)

Was sold fale jewelry cash app doesnt want to refund me my money. Instead of closing our accounts they should go by closing the accounts of scammers why do us loyalty customers have to suffer for there wrong doings. Im seriously having a problem with cash app there like three different names on transactoons including the name cash app. I lost over XXXX XXXX in XXXX aroundthe XXXX i cant get help from cash app at all and alot of transfers were being made from them bad professionalism and horrible service i literally got robbed and closed out i now cant fo anything about it
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (LA)

In XXXX of XXXX I noticed my credit scored dropped due to collection account for {$220.00} ( creditor XXXX  ). I disputed it and it was removed immediately. In XX/XX/XXXX I was trying to buy a car and was denied due to my credit score again dropping and noticed XX/XX/XXXX my XXXX and XXXX score dropped and it was a collection account for {$220.00} XXXX  again. I disputed it with both bureau 's. I contacted XXXX inquiring about their services. They explained its for horse betting. When I gave her my name she was not able to locate me in their system with an account. She searched my maiden name and found and account that was flag fraudulent. She stated that the account was opened last year in XX/XX/XXXX. The way you receive services is ; you create account which was all of my maiden information with an address I lived at in XXXX and they deposit a {$200.00} payment to open the account and can immediately place a bet. The deposit returned and they turn it over to Payliance/Cybrcollect to process payment which again returned. Payliance and Cybrcollect are the ones that placed the account in collections for payment processing. I asked her to provide more information she claimed she was unable to due to it being locked and their fraud investigators are researching it. She said it may take a while to get a call from them because they are swamped with these kind of accounts. 

My identity was compromised in XXXX with a someone trying to receive an SBA loan as a XXXX XXXX XXXX XXXX with the same information. Luckily I caught it in the stage of review. I filed a claim with XXXX XXXX XXXX  Loan Officer in the fraud department at SBA, as well as filing a claim with FTC. I was NEVER contacted by any of the above mentioned companies before turning it over to collections. I could have easily been skipped traced to locate a current phone number. This is not my account or debt. I have never signed up for any account or used services at XXXX. I suffered a great deal due to negligence on behalf of XXXX and the credit bureau 's. Why would you allow a collections account be placed with 15 year old information. That should raise red flags immediately.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint against Experian and XXXX regarding their mishandling of a dispute and failure to authenticate my identity, as shown in the attached documents. 

# # # Experian : Inaccurate Public Record Reporting On XX/XX/year>, Experian generated a report ( Report Number : XXXX ) that includes a public record ( Reference # XXXX ) of a bankruptcy allegedly filed in the Massachusetts XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). However, despite a formal dispute I submitted, Experian refused to delete or amend the inaccurate information. They confirmed that the item would remain on my report, citing that the company reporting this information certified its accuracy. 

This unresolved issue has caused significant harm to my credit, and I request the immediate intervention of the CFPB to ensure this erroneous entry is removed from my report. 

# # # XXXX : Failure to Authenticate Identity and Stalling Investigation In addition, on XX/XX/year>, I received a letter from XXXX XXXX XXXX ( Case Number : XXXX ), indicating that they were unable to authenticate my identity, which has delayed an ongoing dispute I initiated with them. Despite having provided the necessary documentation as requested, they claim they can not continue the reinvestigation process unless my identity is authenticated. 

This stalling tactic by XXXX is unacceptable and contradicts my consumer rights under the Fair Credit Reporting Act ( FCRA ). I demand that XXXX proceed with the dispute process immediately and without further unnecessary delays. 

# # # Documentation Sent to CFPB : On XXXX XXXX, XXXX, I submitted a formal complaint to the CFPB ( Complaint Number : XXXX ) regarding the same issues with both **Experian** and **XXXX**. In that complaint, I included sensitive personal documentation, such as my **Social Security number**, **passport**, and a **recent insurance bill**, to verify my identity. I am attaching the same documentation to this letter to support the current complaint and ensure a swift resolution.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made a quite few attempt to address these issues directly They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OR)

I financed my car through wells Fargo Dealer Services. I have made all payments through bill pay. On XXXX I did an early payoff. I sent wells Fargo & XXXX. 
I overpayed what they were showing I owed at that time on their sign in site. Wells Fargo never ever showed in any statement that I made a {$7000.00} Payment. Wells Fargo shows that I sent them {$6100.00}. That is today. When I first made the payment they at that time showed that I made 2 seperate payments both being extremely less then what I sent them. These payments mysteriously now disappeared. Now only one payment shows. When I questioned them, They gave me the run around and said thats just the way wells fargo does things. They did send me Title as well as Payoff letter. The problem is {$7000.00} - {$6100.00} = {$930.00}. Wells Fargo sent me a check for around {$15.00}. Where is the over $ XXXX they owe me. Im just going by their records. Did they open another account with this money? I want to know. I have documentation proving every word im saying.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (NY)

ATTN : ALDOUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2016-09-29
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (MA)

This is about PayPal " Wallet ''. It allows customers to transfer money to and from a linked bank account. However, I was not able to transfer from my bank account to PayPal after numerous tries. Depending on which account specialist I end up talking to at PayPal, I get one of the following two answers to my question " Why am I consistently getting error trying to add money from my bank to PayPal account? '' ( A ) It 's a computer-generated error but it 's not necessary to add money to Wallet because we automatically deduct from your linked bank account if transaction amount exceeds your Wallet balance. 
[ Then what is the point of having " Add Money '' from a linked bank account? If this service does not apply to all, do n't customers have a right to know why? It seems like these people are trained to give canned responses - instead of answering the question, they would respond with " you do n't need to add money anymore since we charge your bank directly ... ''!! They double-down with " it is to your benefit and for your protection '' etc.!! Customers should make their own decisions as to whether a service is to their benefit or not! By the way, they are the worst in terms of being customer-friendly. They sound exactly the opposite '' ] ( B ) Of course it 's possible to add money to Wallet. Let 's do this again. 
[ Then they take you thru a series of security checks related to your publicly available information. After successfully passing these checks, they ask you to retry. Of course it failed! Then they say, well, give some time for computer system to refresh after a few hours. It still failed ] My point is that PayPal has become extremely customer-UNfriendly and they are not transparent at all about issues regarding their products and services. I would rather, and I 'm sure most of their customers would agree with me, see PayPal become more transparent by completely removing " Add Money From Bank '' service and charge the bank whenever a transaction exceeds PayPal 's Wallet balance. Or, if they decide to keep the service, then be forthright with their customers and tell them exactly why they are not able to add money after consistent failures. To me, it appears that they are doing stuff behind the scene that are unfair, unethical and are based on malpractice.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

This is our last attempt to resolve this issue with Square after several attempts by contacting them directly, filling XXXX  complaint and also a previous complaint with CFPB, but Square has failed to address and resolve the issue yet. 
To clarify, THIS IS NOT A COMPLAINT ABOUT SQUARE DEACTIVATED OUR ACCOUNTS. THE ISSUE IS THE MONEY THAT WAS ON THE ACCOUNT AND BECAME AVAILABLE TO WITHDRAW AFTER A 90 DAYS HOLD, ITS BEEN TRANSFERED OUT OF OUR SQUARE ACCOUNT FRAUDUNETLY IN SEVERAL UNAUTHORIZE BANK ACCOUNTS. 

someone somehow access the account, added their back accounts and transfere the entire money on the account fraudulently. 

When I logged in to my Square account after 90 days hold on the funds, the balance showed up at {$0.00} and after checking the account history, I found that all the money on the account has been withdrawn out of the account frauduntly. 

The entire transfers needs to be immidietly reverse back to my Square account so I can transfer it to my own bank account. The total account of all the frauduent transfers are over XXXX dollar. 

I have made several attempts but Square seem like not trying to resolve the issue and this is my last attempt before I file a legal case or arbitration and will use all Square responses to these complaints as an evidence.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I have been trying to contact American Honda finance about a late payment I been on my credit report. For XXXX month XXXX but however I have never been late on my XXXXXXXX XXXX XXXX and I in fact paid off the car last year XX/XX/XXXX. Can you please update this error. Thank you
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Late last year I contacted your services regarding the delay & process of our mortgage account with Ocwen. Finally we received notice that our family quailifed for HARP program & the papers were being processed. In the mean time we were intructed that there needed to be XXXX " downpayments '' made in the amount of {$1000.00} & were to be paid before the XXXX XXXX, 2015 due date. We were informed that the new monthly mortgage amount were not available until all the " numbers '' were adjusted in the system. We indeed made the XXXX payments in full using our yearly income tax return. Now I am getting statments that our mortgage is behind & our payment are double what they were when we applied for the program. Our original loan owed was around {$71000.00} & {$540.00} monthly. Now our balance is aroung {$96000.00} with monthly payments {$1000.00}. I am in tears over this issue maybe someone on your end can assist us because we are confused believing this would help save our home NOT give it to Ocwen. Our Ocwen XXXX # XXXX. Thanks for your help again, -The XXXX XXXX ...
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV Funding C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX XXXX : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for 1099-C Form Dear XXXX XXXX, I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number, to secondary creditors . As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities.

As stipulated by the FCRA, I am entitled to : 1. The right to be informed if information in my credit report has been used against me.

2. The right to know what is in my file.

3. The right to dispute incomplete or inaccurate information.

In addition, I am aware that I have the right to a copy of the 1099-C form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a 1099-C form has significant tax implications for me, and I am entitled to all documentation related to this action.

I demand that you immediately : 1. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties.

2. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information.

3. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties.

4. Provide me with a copy of the 1099-C form related to the debt monetization using my Social Security number.

5. Delete Account From credit report Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights.

Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (OK)

XXXX shows hard inquiry from JPMCB on XXXX XXXX XXXX, That are incorrect and unauthorized. 
JPMCB has no record of these inquiries.