davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (WA)

On XX/XX/XXXX XXXX by Goldman Sachs closed my account because they did not receive a signature card from me. I mailed back the signature card around the middle of XX/XX/XXXX. I received a letter from the bank on XX/XX/XXXX saying my account was closed. I called the bank on XX/XX/XXXX XXXX asking where my money from my close d account was and I was told it was put in the mail and to wait XXXX to XXXX business days. I waited until XX/XX/XXXX and still don't have my check from. The closed account. On XX/XX/XXXX XXXX I called and asked to speak to supervisor and they have put in a request and it takes 1 to 3 business days. It is now the 4th business day and I have not heard back from any employee of the bank about my final check. I keep getting a run a round from the bank and no one can tell me where my {$6800.00} check is at. It's been over a month and I still have not received my money from the bank or a phone call from a supervisor explaining where my money is. 

Please help me get my money back from this bank.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

My checking account with PayPal was compromised. There were XXXX fradulent charges on XX/XX/year> made to " XXXX XXXX '' ( {$890.00} in total ). I was never notified by PayPal of these charges. I only found out because on XX/XX/year> I had to make an online payment and my payment was denied, so I logged into my account and noticed the unauthorized charges took nearly all my money. I immediately reported the charges online. The very next day my case was denied by PayPal. It was an automatic rejection. Their logic was that " I had enough money to cover the charges so I would have known my balance and that means I did it '', which makes zero sense. I called PayPal to appeal my case and request my money back. I filed a police report with my local police dept. I wrote an affidavit proving that it was fraud. I submitted those documents to PayPal. I called Paypal multiple times and always got the run-around. They sent me a partial provisional refund. But then they still denied my case again. I've already canceled my debit card and refuse to activate my new one. I moved my direct deposit to a different bank.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (LA)

I am writing to formally dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ). I am exercising my right to challenge and correct any inaccuracies in my consumer information.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXXXXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX XXXX, ct XXXX
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MD)

I just had my mortgage transferred to Shellpoint. When I got my XXXX  escrow analysis, I noticed my proposed payment would go up because there would be a shortage. When I checked their projections, I noticed they had my taxes being paid twice a year at the full amount instead of once a year ( in XX/XX/XXXX and XX/XX/XXXX ). This wouldn't make sense since my prior servicer paid my taxes in XXXX, so they would just need to pay my taxes once. In fairness, I'm not seeing then paying my taxes XXXX  on my account. But then, why is it showing as being paid twice on my escrow analysis? 

I called on XX/XX/XXXX, the representative confirmed the issue and filed a compliant on my behalf and that they would do a re-analysis. Since the re-analysis was supposed to take about a month, I called again on XX/XX/XXXX. The representative filed another complaint and acknowledged that it should have been handled already. They claimed they would have a new analysis within XXXX hours. I called after XXXX hours and they don't know what's happening with the escrow analysis and the new due date was XX/XX/XXXX, although I put in this request in XXXX. I told them that I would file a CFPB complaint at this point. Such a simple mistake shouldn't take XXXX  months to fix.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Please send direct information on respond no stall letters please. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit.
Consumer complaint received 2023-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

I was in the process of modification paperwork and was able to call in and make two payments. Unfortunately I first tried to pay these payments over the Pennymacs online system but when you opt for modification it will not allow you to process a payment over the internet. My only option was to call and process them. I called to make two payments and casually mentioned to the agent if I could make these I probably would not need to move forward with the modification process. I was also frustrated I was unable to process these over the internet myself without giving an agent my checking numbers. I then proceeded to give the agent XXXX payment after she processed that she warned me that they would only be able to process 1 payment a day XX/XX/23 so then second would need to processed XX/XX/23 unfortunately. I said okay and continued giving her another checking number. Welp I am being told that payment was considered late and they slapped a 30 day late payment on my credit report. 
on XXXX we received two letters saying both payments were successfully applied to our mortgage account. The agent must have submited through the wrong checking and it never went through. Again something we could have avoided should they let us submit over the internet and not verbally. We did not receive notice that the payment failed and we kept checking to see why the payment was not taken out of one of the accounts and later after receiving credit alert we found out that they said we paid 30 days late. They also said since we canceled our modification it didn't matter when we paid the bill it was considered late. They claim our modification was canceled on XXXX? Im not sure why someone would cancel a modification and then submit a payment they knew would not go through. We are trying to protect our credit and I feel this was done sneakily through our lender. They have been less than helpful during all parts of the financial struggle I have had and less than cooperative during any discussion we have had to fix our account. As of now all payments are made and we are asking this be investigated.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, XXXX  and XXXX. However, XXXX  is the only credit bureau that has reopened the account and it needs to be removed immediately.
Consumer complaint received 2024-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (MS)

I was presented with a Loss Mitigation packet to sign and agree with a notary. I was set up for a Loss Mitigation meeting with XXXX XXXX for XX/XX/year> from XXXX to XXXX am, he never contacted. So, I called Essex Mortgage in XXXX, FL and spoke with XXXX XXXX XXXX very helpful ) with note taking to assure me with another meeting ASAP with a point of contact with XXXX XXXX from XXXX to XXXX on XX/XX/XXXX. The phone call came earlier than original time, I answered the phone call and said hello, she stated her name and said that she is with Loss Mitigation. She then began to say, " XXXX XXXX you are on a recorded line, and you must agree that you haven't made a payment since XX/XX/year>, I retorted " XXXX no, I am not agreeing to that. '' She aggressively said it again " you have to agree that you did not make a payment since XX/XX/year> ''. I again disagreed ; XXXX XXXX stated that " if you want to stay in your home, you must agree that you have not made a payment since XX/XX/year>. I don't have much time left and I have other appointments '' She then aggressively hung up the phone.
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (CT)

Hello, I am writing to file a formal complaint regarding unauthorized charges and subsequent collection actions by XXXX XXXX and FirstCredit Service ( contact number : XXXX ). 

In XX/XX/2023 ( relocated ) I canceled my membership with XXXX XXXX, following their stated procedures. Despite this, XXXX XXXX renewed my membership without authorization and charged my account an amount of approximately {$73.00} to {$120.00}. 

Upon noticing the charge, I immediately contacted XXXX XXXX to rectify this matter. However, my calls went unreturned, and no action was taken to address my concerns. Consequently, I reported this charge as unauthorized to my bank, which marked it as potentially fraudulent. 

Shortly after, XXXX XXXX sent the charge to collections through FirstCredit Service. I attempted to resolve the matter by contacting FirstCredit Service, but my calls were automatically disconnected, and I was unable to reach any representative. This lack of response and transparency has left me with no other recourse but to escalate this matter to your office. 

This experience has caused undue stress and inconvenience. I am concerned about the potential impact this unauthorized charge may have on my credit, as well as the lack of response from both XXXX XXXX and FirstCredit Service.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, facilitate the removal of this unauthorized charge from collections, and ensure that Crunch Fitness and FirstCredit Service adhere to lawful business and collection practices. Thank you for your attention to this ma
tter. I am hopeful for a timely resolution and am available for any further information you may require. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

My account was hacked all of my information was removed and the money from my account was stolen. I called to report the issue and report the stolen money and I was denied a my refund and denied the information to who it was sent to and how it was authorized, they have hung up on me and refused to reopen the claim. I have screenshots of my account being changed as well
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I ordered a physical sim card from the XXXX XXXX website on XXXX XXXX, 2024. On the XXXX, my order status had not updated at all, so I began attempting to contact XXXX. I can't even make this kind of nonsense up, so I will be attaching the " chat help '' transcripts that went on for literal hours. I have never had a single second of service, because XXXX never activated my account. They sure sent me a bill however, which is XXXX  XXXX.
Consumer complaint received 2023-04-18
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: Bread Financial Holdings, Inc. (PA)

After recently pulling a copy of my credit report, I was shocked by what I discovered. 
I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

( EXPRESS is aware of this error and removed the late payment on their system, but refused to fix their unlawful, false late payment hit on my credit ) As you see from my supporting docs, they refunded me from there mistake. but some how im paying for THEIR mistake my credit report CB/EXPRESS XXXX XXXX along with XXXX XXXX I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

My name is XXXX XXXX. I have a cash app account that was my main source for direct deposit for my job. I came home from work XX/XX/XXXX after working night shift and went to sleep at around XXXX XXXX  EST and I woke up at around XXXX XXXX EST to my phone getting multiple text messages saying my email was changed, my phone number was unlinked, and a card ending in XXXX was added to my cash app account. I was logged out and I couldnt even log in since the person who hacked my account had literally changed everything. I waited until cash app support opened at XXXX XXXX  EST and I called their support. After hours and hours, they could not help me in regards of getting my account back. I called my work to tell them about my account being hacked and to hold my check but I got paid that following night I worked and the payroll staff wouldnt be in work until the next morning which by then I wouldve already been paid XXXX dollars. So, XX/XX/XXXX, I got direct deposit of XXXX dollars from my work, within 2 hours all of that money was transferred off of my account to XXXX, which I didnt even have access to my account at that time. I called cash app support and tried to get it fix, after endless hours and going through multiple of their support agents, none of them was able to help me unfortunately, they couldnt even get me back into my account even after giving them everything they asked for.
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC (OH)

So on XX/XX/year> I received a letter informing me of a bank garnishment from XXXX XXXX XXXX that levy and associates started against me well the problem is i wasn't aware of this debt. I sent them a letter to let them know I am disputing this debt as I didnt know anything about this and so forth. Well they say they received my debt dispute but have they sent me proof of debt no. I was aware of the debt no. All I have received from them is an identity theft avidated and that fine but how do I file anything when I dont know who would had done this. I have no clue nothing about this nor was notified until XX/XX/year> and all I am asking for is proof of debt which is what I believe is called a debt validation because see I know I did not create this debt yes I sent a debt dispute that because I didnt know nothing about this so once again can you please please get me debt validation and cease the bank garnishment until the investigation is done. Please I am asking to cease and stop bank garnishment until the debt validation and debt dispute is completed thank you.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

I, XXXX XXXX transferred funds to a fraudulent person through Cash App. I am seeking refunds for each amount, as I was deceived by the fraudulent person, I paid this person for a service that was not completed. My computer was hacked, and this person was repairing my computer. He did not do the job, and I had no way to contact him. As I was deceived by the fraudulent person. Following are the transactions and dates. 

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 was a victim of fraudulent transactions, which is a clear violation of trust and legality. The fraudulent person intentionally deceived me, leading to financial losses. 
On my first attempt to get this settled. I spoke to a support person who told me that someone would follow up with me concerning my issues. After trying to figure out how to reach support, I found that not everyone was manning all of the support stations listed on the app. When I finally reached someone, they asked me to complete some questions to get an idea of what they needed to look for. I had to answer the questions for each transaction only to come to the same conclusion, he couldn't help me so he gave me that pre-typed wording and he was gone. I went looking for another support person. Only to do it all over again, including answering the questions. Then he couldn't help me so he blew me off again. When I tried to ask via texting a question, he would post the disclaimer saying he couldn't help me and I needed to talk to someone else. Mind you, when I finally get in touch with another support person, I would have to do the questions again. I ANS WERED THOSE QUESTIONS AGAIN! Now it's too late and I have to wait until the next day. I located the contact number for so one in administration via. Block Inc. I still get no satisfactory answer. The following are the questions. This lack of support from the service provider exacerbates my situation. 
Cash App, as a financial service provider, has a legal obligation to protect its users from fraudulent activities and provide a means for dispute resolution. 
It is only fair and just that I be reimbursed for my losses. The principle of fairness demands that victims of fraud be compensated for their losses, especially when they have taken reasonable steps to seek resolution. 
There have been previous cases where financial institutions have been held accountable for failing to protect their customers from fraud. This case should follow similar precedents to ensure justice is served. 
I deserve to have my funds returned as a matter of fairness and justice. The fraudulent transactions were beyond my control, and I have made every effort to resolve the issue through the appropriate channels. It is imperative that Cash App takes responsibility and provides the necessary support to rectify this situation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

We received an escrow refund of XXXX after escrow analysis. We also received notice that our payment is going up because our escrow is short XXXX. I called the company and requested that our XXXX be deposited into our escrow account and to have the analysis completed again so that our escrow would not be short resulting in a higher payment. The woman I spoke with let me know she did all of the things I requested including submitted a new request for escrow analysis. I had not heard anything so I called back in XXXX XXXX XXXX and was told that they would not be doing an escrow analysis because this would result in a refund check being sent out and that our payment is going up regardless of the funds that I had deposited into my escrow account. I asked to speak to another representative and he confirmed that there was no way to have my escrow surplus applied to prevent the increase in my payment and that the funds I had deposited would just sit untouched in my escrow account. I asked to have the funds applied to principal and the gentleman told me they would be applied. I called back today XX/XX/year> and the funds had never been moved and again I was told that the funds could not be applied to be escrow account. I asked the man to apply them to my principal and I was given a confirmation number of XXXX. I am unsure why they would be allowed to refuse my lump sum payment for my escrow shortage and then allow the funds to sit untouched for four months, and why they can refuse my request for an additional escrow analysis. We were never given an official option on how to proceed with our escrow shortage only told that it would result in a higher payment.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC (FL)

I am filing to formally request the validation and verification of the above-referenced account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to my credit report, this collection account has been reported by XXXX XXXX XXXX and I am disputing its validity. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$700.00}