davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

My friend sent me {$400.00} over Square Cash on XX/XX/XXXX. Square Cash has a feature where it immediately sends the money to the debit card on file. I had a XXXX XXXX debit card associated with my Square Cash account. I had closed my XXXX XXXX  bank account the same day. 
The funds never arrived in the XXXX XXXX account. I opened a CFPB complaint, as well as a dispute with XXXX XXXX, and they got back to me stating that there was a credit and debit for that amount on the same day, as a result of which no funds actually arrived in my bank account ( letter attached ). 
I followed up multiple times with Square Cash and they said that the payment processor confirmed that the funds went through and were never debited ( screenshot attached ). 

So, I'm in a situation where the sending party ( Square Cash ) is saying that the funds were successfully sent, but the receiving party ( XXXX XXXX ) said that they never received the funds. 

I had opened a previous CFPB complaint to this effect with Square Cash as well as XXXX XXXX. XXXX XXXX   promptly responded but I have yet to hear from Square Cash ( it's been over 60 days ) Square Cash 's payment processor owes me the {$390.00} ( which was the net amount that was to be received ).
Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I am filing a formal complaint against Experian Information Services LLC for their failure to respond within the legally mandated 30-day timeframe and for their non-compliance with the Fair Credit Reporting Act ( FCRA ) in handling my dispute regarding inaccurate information on my credit report. 

Details of the Complaint : Dispute Filed with Experian : On XX/XX/year>, I submitted a formal dispute to Experian ( Dispute ID : XXXX ), requesting the removal of inaccurate accounts, late payments, charge-offs, and inquiries from my credit report. My dispute explicitly stated that Experian must exclude third-party data sources, such as XXXX, and verify the information directly with the original creditors, as required under FCRA 609 and 611.

Failure to Respond within 30 Days : As of today, more than 30 days have passed since Experian received my dispute on XX/XX/year>, and I have not received any formal response or documentation from Experian regarding the investigation of the disputed items. This failure to respond violates FCRA 611 ( a ) ( 1 ), which mandates that consumer reporting agencies complete their investigation and provide a response within 30 days.

Failure to Remove Inaccurate Accounts : In my dispute, I identified multiple inaccurate items, including late payments, charge-offs, and hard inquiries that should be removed from my credit report. I have attached a list of the disputed items for reference. Despite the clear inaccuracies, Experian has failed to take any corrective action, and these accounts continue to negatively affect my credit. 

List of Disputed Items ( Previously Submitted to Experian ) : Late Payments : Accounts from 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 and the Office of the Attorney General ( Child Support ). 
Charge-offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Hard Inquiries : Multiple inquiries, including XXXX XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX : I request that the CFPB take immediate action to ensure that Experian : Deletes all inaccurate and unverifiable accounts from my credit report as per my dispute. 
Complies with the FCRAs 30-day timeframe for responding to disputes.

Provides detailed documentation of the investigation, including verification with original creditors, as required by FCRA 611 ( a ) ( 6 ) ( B ).

Enclosed are copies of the dispute letter I sent to Experian, my 15-day follow-up letter, and relevant credit report documentation showing the inaccurate items that remain on my credit report.

I trust the CFPB will take prompt action to ensure Experian complies with the Fair Credit Reporting Act and provides the necessary corrections to my credit report.
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

My name is XXXX XXXX. I live on XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. However, I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, where I had a XXXX XXXX XXXX  XXXX  car, which I left there before moving to XXXX   XXXX. 

On XX/XX/XXXX, I transferred an amount of US dollar {$330.00} via Cash App to a friend, XXXX XXXX, who lives on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX to pay for the car 's annual tax. 

Just after the transaction, XXXX realized that his cell phone dis-functioned to pick up the money. Then I chose to cancel the transaction and return the money back to my account. 

On XX/XX/XXXX, I called Cash App customer services to cancel the transaction and transfer the money back into my account, unfortunately, it never happened as expected.The representative I spoke to via telephone number XXXX XXXX XXXX XXXX, The representative deliberately, gave me wrong directions to purportedly transfer {$330.00} back to my account. 

As soon as I finished talking to customer services, I checked my bank account for any credit, instead, I realized the debits of total {$2600.00} total in four different transactions of {$110.00} ; {$100.00} ; {$1200.00} ; and {$1200.00} the same day ( XX/XX/XXXX ) I tried to call Cash App customer services many times to get the money back, but they asked me to pay {$500.00} to get the {$2600.00} back, or buy a XXXX XXXX card, then send the number on it. The also asked me to go to the closest XXXX XXXX or XXXX XXXX store to ask for the transaction. They finally started hanging the phone up on me.Actually, they have closed my Cash App account ; I have no one else to ask help from, other than Consumer Financial Protection Bureau.
Consumer complaint received 2024-10-19
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. (MD)

According to FCRA 15 usc 1681 section 602 says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agencXXXX XXXX XXXX XXXX XXXX  Experian and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. XXXX XXXX XXXX the financial institution and the consumer reporting agencies Experian, XXXX XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to XXXX Experian and XXXX and XXXX XXXX XXXX  whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. XXXX XXXX XXXX Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2024-10-19
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. (GA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

This is an ongoing complaint which is almost correct. Below is the information pertaining to the last outstanding issue I have which I can prove is incorrect. OCWEN Loan Servicing is still standing behind the claim that I did n't pay on-time for the month of XXXX 2014. Please see the attached XXXX XXXX document which proves the payment was made to OCWEN Loan Servicing account on XXXX XXXX 2014 ;  but the payment was n't acknowledged until XXXX XXXX 2014. This issue resides purely on OCWEN Loan Servicing methods of servicing. After several attempts to get OCWEN Loan Servicing to accept the documentation and update my credit report they 've refused and assured me that all reporting was correct ... we now know several errors were made. Additionally, I would like to know what assurance do I have that this type of issue does n't come up again because frankly, I 'm ticked off and forgiveness is n't on the radar. THE HIGHLIGHTED INFORMATION ON THE DOCUMENT PROVES WHEN THE PAYMENT WAS MADE VIA ONE OF THE OPTIONS GIVEN BY OCWEN LOAN SERVICING.
OCWEN LOAN SERVICING CLAIM Our records indicate after the credit correction was completed, only the XXXX XXXX, 2014, monthly contractual payment was reported as delinquent, as it was not received by Ocwen until XXXX XXXX, 2014. Ocwen is obligated to report the account accurately to the credit bureaus, based on the contractual due date. Further, if payments are not received within the month due, then the account would be reported as delinquent. As the XXXX XXXX, 2014, monthly contractual payment was not received in the month due, Ocwens records indicate that the credit reporting correctly reflected the account as delinquent. As such, this credit reporting is valid. Included in your correspondence you advised the account should be reported as modified. While the Assumption and Assignment Agreement advised the property will transfer to you as modified, it does not outline that credit will be reported as a modified status. Section 4, Consent to Transfer, of the Assumption and Assignment Agreement, advises lender herby consents to the transfer of the property described in the Loan Documents, as modified, and waives its right to accelerate the entire unpaid balance of the Promissory Note.
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

Hello, my name is XXXX XXXX and I have an account with Cash App that I use to collect funds from time to time. I have by bank account linked to it to withdraw and send money. 

A few weeks ago I lost my phone and have been unable to access the account. At the direction of Cash App I created a new account so they could linked it and provided them the details of the accounts in question. They responded and asked for pics of my ID and myself holding it which I sent as well. Since then they have been entirely unresponsive and I have a significant ( to me ) amount of money locked up in the old account. 

The account I can no longer access is XXXX XXXX and the new account I created at their request is XXXX XXXX  They are holding my money hostage and provided no assistance. There is not even a phone number I can contact them with. 

Please help me. Thanks!
Consumer complaint received 2019-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX/RESURGENT CAP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX/RESURGENT CAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-10-18
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. (NY)

ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : XXXX XXXX XXXX. Account # 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 XXXX XXXX XXXXXXXX XXXX and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

A check payment was deposited on XX/XX/year> and the balance wasnt updated to credit report balance. Not sure who owns the debt it was with a collection agency now the original credit union has funds that were paid to them by the insurance company. Frivolous and misleading inaccurate credit is being reported in error.
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I am making efforts to repay this high interest for a {$800.00} loan. They decline my previous offer for a {$50.00} monthly repayment schedule. I offer to pay {$50.00} per week effective XXXX XXXX, 2017. I am still searching for employment, a job offer has not been extended to me. If I get hired for a position at a financial institution, the job is scheduled to start Wednesday, XXXX XXXX, 2017. It appears that CashNetUSA is refusing to work with me. I have been unemployed for over 6 months. Until I can get a earlier start date, this is what I have to work with and to avoid bankruptcy proceedings.
Consumer complaint received 2017-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I disputed inquiry 's on my report 3 times with Transunion and XXXX. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so Transunion and XXXX say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COMMERCE BANK (TX)

Commerce Bank illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XXXX XXXX of 2024 that's the first time that it showed up on my credit report with XXXX we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX XXXX XXXX this is illegal and they know it they've been contacting more than a hundred times in the last XXXX XXXX to remove this from my credit report and I want all negative remarks from this company removed from my credit report now
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank has multiple accounts and some of the accounts are not mine. Also they reported that I have made little or no payments when I have records of every single payment I paid to them. They also claim that they refunded my account for late fees because they were auto debting prior to the due dates as well as charging late fees ( although I did see it reflected in my balance at all ).
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

TSI claims I made a payment to them on a loan they are allegedly servicing but have never verified, nor has the original owner XXXX XXXX XXXX verified/identified TSI as the loan servicer. On top of this TSI claims I made a payment on my credit report on XX/XX/XXXX, which is impossible as I was not aware of this entity until XX/XX/XXXX when they filed a collections claim on my credit report without ever contacting me ever in the past, though they also allege on my credit report to have been servicing the loan I had with XXXX since XX/XX/XXXX, outrageous since XXXX told me on phone conversation in XX/XX/XXXX that they did not know of any account in my name or with my social security number, which means they lied to me because on XX/XX/XXXX they now were able to find my loan.
Consumer complaint received 2019-07-16
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. (GA)

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.