davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 XXXX XXXX
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (GA)

On XX/XX/XXXX cash app has locked my account due to suspicious activity they stated i would access to my accoint in 24 hours and i contacted support everyday after by email and my account has money on it that i can not access i get no support response from them
Consumer complaint received 2023-12-05
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OUT TECH, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XX/XX/2024 Bureau of Account Management XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to express my grave concern regarding the collection practices conducted by your agency, which I believe are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ). 

Despite my attempts to resolve this matter amicably, I have encountered numerous instances where your agency has failed to comply with the aforementioned regulations. These violations include : 1. Failure to provide validation of the debt within the required timeframe as stipulated in 12 CFR 1006.34 ( b ) ( 5 ). 
2. Neglecting to cease communication upon my request, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

3. Disregarding my rights under 12 CFR 1006.34 ( d ) regarding the prohibition of harassment or abuse.

4. Violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate or incomplete information to credit reporting agencies, as per 15 USC 1681-S 2 ( 7 ) ( A ). 

These actions not only constitute a breach of my rights as a consumer but also demonstrate a blatant disregard for the laws established to protect individuals from unfair debt collection practices. 

I demand that your agency immediately cease all collection activities related to the referenced account and provide me with written confirmation of such cessation. Additionally, I request a thorough investigation into the aforementioned violations and appropriate remedial action to ensure compliance with federal regulations. 

I'm letting the collection agency know that I'm disputing owing any and all debts to them. I'm revoking all rights of them communicating with me through email/ text/calls. 

I'm requesting debt validation, and the purchase agreement between the collection agency and the original creditor. 

I'm also requesting that they furnish proof that they are licensed and bonded. 

Failure to address these concerns in a timely and satisfactory manner may result in further legal action. I expect a prompt response within [ insert timeframe ]. 

Sincerely, XXXX XXXX This letter is a starting point, but feel free to adjust it according to your specific circumstances and preferences.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

They said that the bill is not paid I have had equal fax to re dispute the payment. I have called they and nothing good turned out from it.. 

I XXXX XXXX have sent the payment to Southern Management System to try to resolve the issue. I also had the XXXX CRAs submit the receipt of payment that attached to my dispute to Southern Management System. They are refusing to acknowledge the payment therefore I filed a claim with the CFPB to get assistance resolving this issue.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

I sent some money to XXXX XXXX XXXX, via paypal, in XXXX of this year. 
At some point after that, I was reconciling my bank statement with all my other statements, including paypal. I saw a payment to paypal, in my credit card statement, so I checked my paypal account to ensure the charge was correct. 
However, there was no payment at all to XXXX XXXX XXXX, in the correct amount or otherwise, so I let the credit card company know. 
Eventually, my bank closed my card, issued another and credited my account. By then I'd seen XXXX different amounts showing in emails from paypal, so it looked like they didn't know what was going on either. 
See attached file for just XXXX example. How can I dispute {$100.00} AUD when the transaction amount ( this time ) is claimed to be {$94.00} AUD? In the XXXX  attached screenshot the amount has changed to {$97.00} AUD. 
I resent the payment that had been returned to me before I was able to speak with the bank again. After speaking with the bank, I learned that they had reversed their repayment to XXXX XXXX XXXX via paypal, so naturally, I canceled the redundant payment. 
Paypal won't speak with me about this anymore as I continue to try and clear it up. It's affecting my friend 's account in XXXX and I feel like it's all my fault, when in fact, paypal still can't keep their figures straight. 
They left me on hold for XXXX minutes this morning so I decided I've had enough.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (TX)

Credit control llc is attempting to collect a debt that I do not owe. The original creditor is XXXX XXXX XXXX XXXX XXXX total amount owed is XXXX Opened XX/XX/year>2024 2024
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Aspen Yo LLC (GA)

They responded after I requested removal of PMI saying I did not meet an 80 % loan to value to your original value. 

They are including {$70000.00} fees in the original loan amount incurred during a hardship refinance in 2009. 

Regardless my loan qualifies as it is almost XXXX XXXX XXXX. 

A lender or servicer must end the PMI the month after you reach the midpoint of your loans amortization schedule. ( This is true even if the principal balance has not reached 78 percent of the original value of your home. ) The midpoint of your loans amortization schedule is halfway through the original full term of your loan. For 30-year loans, the midpoint is after 15 years have passed. 
This standard for ending the PMI halfway through the loans original term is more likely to occur for people who have a mortgage with an interest-only period, principal forbearance, or a balloon payment. ( My loan has a balloon payment )
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

Rushmore debited an unauthorized payment in the amount of {$2200.00} from my bank account while I had a pending loss mitigation application. I escalated this issue with Rushmore who advised that they did not debit the payment. I am attaching proof of said debit hereto. A few days after my escalation, the payment has been returned to my bank account. This withdrawal almost completed depleted the funds in my account resulting in potential fees from my bank.

Additionally, Rushmore violated RESPA by failing to provide me with a letter stating that my application was complete within 5 business days of my final submission. I was advised that the application was marked complete on XX/XX/year> but I have still not received a letter stating so.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

XX/XX/23 in the amounts of XXXX, XXXX and XXXX. 
Cashapp did nothing though I could prove that the person ( s ) are scammers. They refuse to refund me and close the person 's account. Cash app has debit, bank and credit cards tied to their user accounts and can easily reverse the transactions in question.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NV)

I sent a transfer from XXXX XXXX XXXX to my mother 's account in XXXX XXXX using the money transfer company, 'Wise ' ( previously known as TransferWise ) on XX/XX/XXXX. I have attached the transfer details to this complaint. The facts are as follows : - I sent {$1200.00} to Wise from XXXX  XXXX XXXX on XX/XX/XXXX - Wise acknowledged receipt on XX/XX/XXXX - The money did not arrive and I called on XX/XX/XXXX to inquire as we discovered that the account I had provided at the receiving bank had been closed ( Without my knowledge ). I sent them evidence of the account closure and they told me I had to wait for the money to " bounce back '' - I called on XX/XX/XXXX again and they said I should keep waiting - On XX/XX/XXXX I spoke to them again and Wise advised that they would initiate a funds recall via their intermediary bank ( XXXX XXXX ), but they said they could not guarantee actually finding the funds, which I found really outrageous - The result of this recall is that I received {$320.00} of the {$1200.00} and on XX/XX/XXXX Wise explained that they could do nothing about it and that they would not be able to investigate anything further. The answer to every question I've asked them in this process is " they don't know '' and they have no way of knowing, which is shocking as costumer entrusting money to them, and not have them be liable for this money. 
To sum up, no service was provided, my recipient didn't receive the money and I lost a considerable amount. 

At this point I have no ability to get these stolen funds and I am seeking CFPB support in having them returned.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (AL)

The company denied my application for a credit line for credit report discrepancies on XX/XX/2023 and other multiple occasions. Pursuant to the Truth in Lending Act, I should be allotted the same opportunity as someone with a perfect credit score. Pursuant to the Federal Reserve Act Section 16, in no event shall the amount applied for using collateral security be less than the amount requested.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/year>, I received a text message from USAA stating USAA : Outgoing transactions on your USAA account ( s ) have been restricted due to recent suspicious activity. Call USAA at XXXX. Reply HELP for help. After contacting the phone Number, the agent stated that USAA is choosing to discontinue providing me any services. I asked him if Id get a notice with information on why theyre closing my account and he said Id receive one. Further, since XX/XX/XXXX, Ive been unable to use any funds.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

I asked for a copy of my credit report since my score dropped XXXX point all recently. I have no credit card debt and then I find that this company : THD/CBNA credit card which I never had. They show that I owed {$8800.00}. 

Also, on another credit bureau online, I found my address had been changed and my phone number. There was also an outstanding balance on a Home-depot account. Several other soft inquiries to several stores and banks were discovered. I fixed the address and phone ; and froze my accounts with all credit bureaus. 

How do I get my credit score fixed now? When I need insurance, the price is based on my credit score which is XXXX. I had over XXXX something prior to this breach. 

Thanks
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was unable to pay bills, do XXXX Friday, do shopping, it caused me a lot of distress, I was unable to do grocery shopping, I was unable to buy food for other people that I had promised, since I wasnt able to buy groceries, this defended my character, it made me look like a person that has no money or brakes promises! I was laid on a few bills I was laid on my rent, I just left a lot of people, including myself very unhappy and very stressed out, I asked them what was going on was why wasnt I able to use my card and they gave me a lot of back-and-forth, at the end of the day I am only a consumer I dont have time for all of this and figuring out what CHASE BANK is doing, all I know is I deposit money in my bank and I want to use it they told me I had limits on my account Which they never told me that in the beginning of the process, they just flat out lied to me XXXX minute they said that I had a limit on my account and I couldnt raise it until 12 months the next minute the representative told me that thats not true, but I still had limits on my card, it made me default on some payments. It made me go negative on some payments, and I owe because of that. They stopped my card too and made me go to the bank to get another card..I went and the tellers didnt understand why I needed a new one and there was nothing wrong with it! No one knows anything there! My XXXX XXXXXXXX could do a better job! This isnt right! People starved and looked at me like I was a no good liar..I couldnt cook XXXX they stopped my XXXX orders in mid route too smh! 
At merchants like at stores I was also turned down because my card just wont disperse anything
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (GA)

On or around XX/XX/2023, my mother, XXXX XXXX XXXX, had her mortgage transferred from XXXX XXXX XXXX XXXX to XXXX XXXX. As the Power of Attorney for my incapacitated and non-verbal mother, I had previously provided the Power of Attorney documentation to XXXX XXXX XXXX XXXX. However, it appears that this document did not transfer to XXXX XXXX during the mortgage transition. 

When I contacted XXXX XXXX  on XX/XX/2023, to discuss my mother 's loan, I was informed that I was considered an unauthorized caller and was instructed to email them the Power of Attorney document, even though they had received the loan information from XXXX XXXX XXXX XXXX. 

Subsequently, on XX/XX/2023, when I reached out to XXXX XXXX for assistance with my mother 's loan, I was again informed that I was an unauthorized caller, despite having submitted the Power of Attorney document on XX/XX/2023. 

Furthermore, on XX/XX/2023, I discovered that a payment made and initially posted on XX/XX/2023, was inexplicably reversed. When I contacted XXXX XXXX on that day to inquire about the payment reversal, I was initially informed that I was only authorized as a 3rd Party caller, and my ability to make account changes was limited, even though the Power of Attorney document was on file. Additionally, the representative was unable to provide a clear explanation for the reversal and suggested I contact the payment financial institution for clarification. 

After the call, I obtained proof of payment indicating that the payment had indeed cleared on XX/XX/2023. However, when I revisited my online account with XXXX XXXX, I observed that the payment was still marked as reversed. When I called XXXX XXXX on XX/XX/2023, to address this issue, a representative promised to escalate the matter but unexpectedly disconnected the call after approximately 30 minutes on hold. Consequently, I had to make another payment online on XX/XX/2023. 

Most recently, on XX/XX/2023, my attempt to make an online payment was met with a message stating that the loan did not exist. This recurring pattern of issues has raised concerns that XXXX XXXX may be engaged in deceptive practices.
Consumer complaint received 2023-12-05
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

After the Bank of America contacted me about my stolen CC card from the XXXX card and provided me with the information that my card was being used in New Jersey, I verified that I had not received the card, used it myself, or had not authorized anyone else to use my card. 
The card was stolen in the USPS system and was never delivered to me in XXXX at my address : XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX. The card was also activated by Bank of America and was ready to use for any transaction, which I did not know about or agree to. I have filed a claim with the FTC report XXXX. In addition, I have opened a case with the Postal Service, Inspector General to investigate the theft of mail, which occurred between XX/XX/XXXX and XX/XX/XXXX. Also, I have reported this to the XXXX to let them know that the Bank of America is not following guidelines for crediting me back for fraudulent charges on my account due to theft. The bank sent me a new card with the same activated conditions. The 2nd replacement card was active and ready to use upon receipt. No security or verification was added to the 2nd CC card the bank sent. Then after I opened the new account and set up the BoA app., the bank sent a resolution letter stating that they can not credit me for the fraud and I would be responsible for all fraudulent charges on the account. Bank of America is not honoring the rights of its cardholders and refunding fraudulent charges due to their own incompetence. Sending active CC cards in the mail with no security or verification settings is simply not OK!
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"