davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Ocwen loan servicing has played games with the short sale process, they keep requesting the same documents over and over again. I get them on the phone they verify the documents and then I call back and they state they do not have the documents. They approved the short sale previously, then they put the homeowner in a modification review process and they had to finish that review before they would re review for short sale. This is an endless process with them and based on all conversations it appears to be intentional delay of process.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AZ)

PHOENIX FINANCIAL SE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX USA This company put a collection on my credit report in the amount of XXXX for a XXXX XXXX XXXX XXXX. I do not owe this debt as I get my healthcare from the Department of Veterans Affairs. This company has the wrong person, and this company needs to remove this collection within 3 business days or I'm going to send to the attorney generals office.
Consumer complaint received 2019-01-24
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. (OH)

This is the third time I have requested actual proof of ownership, proof of contract from 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 XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CO)

XXXX XXXX has month-to-month only membership plans ; there are no long term plans where a member is contracted to pay any month beyond the current. I chose not to renew my membership and was never once contacted by XXXX informing me of any amount owed. There was never a bill, past due notice, or any communication whatsoever stating that my account was still open and money was owed. 

I just received a collections notice that stated I owed {$270.00} for this non-existent membership. I contacted XXXX and they were of no help whatsoever, unable to put me in contact with anyone who has knowledge of this sort of issue. 

Lastly, the collections notice contained no information about the account for which this supposed debt originates. This is most likely due to the fact that there is not XXXX account for which money is owed.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NY)

XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX   provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
Consumer complaint received 2019-01-30
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. (FL)

I contacted their customer service 3 times previous about removing ALL the unauthorized inquiries and they would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

I signed up for a Bill Me Later credit card and the company completely changed locked me out of the website then charged me late fees and sent me into collections and I could never pay the bills because I could n't log into the account when I made a payment over the phone they never recorded it to my account so I have no idea what happened to my money.
Consumer complaint received 2019-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Equifax consistently shows my credit scores at least 23-30 points lower than the other two agencies reporting scores. XXXX shows XXXX, XXXX  shows XXXX and this creates large problems for me when people look at my credit scores. I have been given bland, hard to understand answers from other people as to why they do this. I have heard from friends who experience the same problems of them showing lower scores. I just want them to show consistent scores like the other agencies and stop putting my scores at the bottom. This is totally discriminatory and causing me problems. 
I never liked this scoring issues to begin with, it pits you up against wealthy people and upper class people, I am struggling to clean up my record and they are hurting my chances in doing this.
Consumer complaint received 2019-03-12
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: EQUIFAX, INC. (GA)

On or about XXXXXXXX XXXX an erroneous collection appeared on my Equifax credit report. After an investigation, this account was deleted. It was written that this account be deleted permanently. XXXX of XXXX, I was mailed a letter from Equifax stating that the account has been deleted. On or about XXXX of XXXX, I received notification from my credit monitoring service that This collection account, XXXX XXXX, was added to my Equifax report again. FCRA 611 ( a ) ( 5 ) ( b ) states only after the initial investigation, on the 31st day can a debt be reinserted to a credit file. Even in these cases, the Reporting agency ; in this case Equifax, must notify the consumer in writing at the minimum five days prior to the reinsertion. This did NOT happen. Equifax continues to violate FCRA laws, as if they aren't governed by these laws. Equifax, also placed a fraud alert on my account without my request, as a response to my inquiry on why they have violated the fair credit reporting act, and allowed this debt to be re-aged and reinserted.ILLEGALLY. According to FCRA section 609 ( a ) ( 1 ) Please  provide my entire consumer history on this account, as I prepare to file a suit, as you are in direct violation, and it is proven. In the interim, please RE-delete this collection, XXXX XXXX, as you have not done your due diligence, to ensure that I am properly protected under the FCRA, and to the standards that are in place for your agency as one of the major reporting bureaus
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

I made a payment over my phone in XX/XX/2018. The payment did not process correctly. Chase Credit had an incorrect address ( since been corrected ) and their notifications of the failure to process did not get mailed to me. As a result, I continued to make payments as agreed and registered three ( 3 ) 30 -day lates. I would not have any late payment if Chase 's phone ap had worked correctly. I would not have had lates in XXXX and XXXX if Chase had had my correct address. 

XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IL)

I received a direct deposit of my federal tax return on XX/XX/2021. On a cash app card and the app on phone i had just opened. Cash app through emails are saying they did not receive or reject this amount of money on my card or account number. XXXX dolars was the smount. I do not owe taxes, have a off set, or child support. This was for a recory of the 2 stimulus payments that went out. They have no answer for me and federal government is saying they deposited these funds. XXXX is who was emailing me. With no answer. Also checked return bank info was correct
Consumer complaint received 2019-01-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

I took out my second loan with the cash store in XX/XX/XXXX with plans to pay it back. I do not remember the exact date because i no longer have the forms. Due to an unfortunate change in jobs and income, i wasnt able to repay the loan as i had planned. Around XX/XX/XXXX their collection agency called me and asked about the money and if i had it. When i said i didnt have the money and i wasnt sure when Id be able to, the guy on the phone immediately threatened to sue and said i could go to jail. Now on XX/XX/XXXX, i received a call, not even sure from who. Threatening to take me to court unless i decided to make a payment arrangement of some sort. The lady on the phone not only had an attitude, but after i said i didnt plan on going to court. She explained that they would take me if i didnt make some sort of arrangement and when i said okay she immediately said we are going to take this to court then, thank you. Bye and hung up the phone. Im not sure if this a scare tactic or an actual problem.
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

They are not responding to my income based repayment or my public service based forgiveness within a reasonable time. They have far surpassed the dates to respond in a timely manner, and are rejecting my application for unfair reasons.
Consumer complaint received 2019-03-12
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. (NJ)

I submitted a dispute to clear up a wrongful Past due payment from XXXX, they ended up adding another past due for XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than XXXXpts.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Sent {$70.00} to a CashApp user XXXX  XXXX for an online purchase. Never received my product and they stopped replying to my texts after the money was sent. 

They claimed their name was XXXX XXXX and that they were sending the mail from XXXX XXXX XXXX XXXX XXXX NC, XXXX Her number is XXXX I reported the scam on the app as well.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/19 a credit card that i had for a year was closed without notice. I had auto payments and was locked out of the account and could not see any information. Was told I would recieve a letter. Today I received 3 letters from the bank 1 was a statement witha late fee the second was the notice that the account was late and the 3rd was a notice dated for XX/XX/XXXX saying that the account has been closed. I don't feel I should be incurring late fees on an account I have no ability to pay online and was set up for auto payments which they canceled when the closed the account. I feel they did this on purpose with the intent to try to damage my credit.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX County in the amount of {$700.00} and XXXX XXXX XXXX XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX Virginia XXXX and it should be XXXX XXXX XXXX XXXX., XXXX NC XXXX.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MI)

My phone was stolen on XX/XX/2021. The person that stole my phone transferred {$4800.00} from my Cash app account into another account under the name XXXX. I reported my phone stolen through XXXX XXXX, which is my phone carrier. I also filed a police report giving them all the information needed, including the person who stole my phone and money. I contacted Cash app and told them what happened and that I did not authorize those transactions. They responded by telling me that the money was transferred from a known device and they have no evidence that it was done fraudulently. I have tried to contact them numerous times and no one will help me.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX XXXX in the amount of {$700.00} and XXXX XXXX XXXX  XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX Virginia XXXX and it should be XXXX XXXX XXXX XXXX, XXXX NC XXXX.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

On XX/XX/21 I noticed someone had hacked into my cash app & attempted to send themselves {$120.00}. It wasn't available in my account or my cash app balance so it didn't take any money out this time. I immediately sent cash app an email request to dispute this. Cash app will warn you NOT to block the individual until you get a resolution from them. This process takes 10 business days. 8 days later on XX/XX/21 ( mid investigation ) the same person sent themselves {$330.00} from my account. This caused me not to be able to pay my rent on time, my account is currently still in overdraft. I've sent them multiple emails as well as tried reaching them via twitter & they give you the same response of waiting 10 days & then stop responding. No one has refunded me yet or reached out with any updates.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NY)

The XXXX XXXX/Cashapp has not responded in a timely manner to any of my request for customer support regarding a transfer I made from another financial institution. Hello have blatantly been ignored and given no explanation about my funds. I made a small transfer on XX/XX/XXXX for {$5.00} and it was available on XX/XX/XXXX. 
On XX/XX/XXXX I made two separate transfers of {$48.00} and later {$300.00}. The funds did not post to my account with XXXX XXXX/Cashapp as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I repeatedly tried reaching customer support only to be told that they will get back to me within 24 hours, So far I received and email from an agent requesting more information. I provided the requested information and more then the agent ignored all further attempts of contact.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX  a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major surgery to remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX   XXXX. There are multiple e-mails attesting to this fact. XXXX   XXXX  opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX XXXXXXXX credit card that 11 years and 4 months old, XXXX additional months is XXXX, Ive had 3 late payments which comes to exactly 97.8 % of on time payments, yet transunion have me at 96 % of on time payments. Ive dispute it 3 times and they have not corrected it yet, while its been corrected on all other credit bureaus
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (IL)

I have tried to reach out to cash app support regarding several dispute matters at this point they have an unusually long time to process refunds up to 10 business days. I am not understanding how a transaction can immediately show as refunded but the funds wont be available for ten days. More recently I am having an issue with XXXX transactions on my account that XXXX is claiming they cant even locate on my account. CashApp is putting an undue burden on me to dispute the transaction of asking me to provide a receipt or letter showing XXXX cancelling the charge. When I explained to CashApp support this was unreasonable and in no way possible because as I stated before XXXX is claiming they have no record of any of the charges to my account CashApp support failed to resolve the matter and even refuse to cancel the duplicate charge from XXXX. They are refusing to process any disputes and I have over a XXXX dollars stuck as charges or in limbo from CashApp 's negligence and unwillingness to follow the FCRA and allow me to file a dispute.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

Charges upheld by my credit card company that I did not authorize or disputed : a charge from The XXXX XXXX for items that were not delivered to me, taken back by company, resold by company. I told this company that I would NEVER shop with them again. Charges made to the same company while I was held in XXXX ( no access to purse including, but not limited credit card & phone ... no computer access ). A lot of charges made while I was in the hospital with my mother after a XXXX. This company let this company get away with this even after making it almost impossible to use this card for everyday charges in the past for fear of fraud. They allowed these charges, not me, but want me to pay for their mistake.