davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Due to a divorce decree and having XXXX young children, I was awarded a house as part of the agreement. The original mortgage was transferred to Wells Fargo Home Mortgage. For the house to be transferred into my name only we were told by Wells Fargo agent to submit quit claim deed, divorce decree, bank statements and XXXX. All those documents were submitted a few times. Each time I call to follow up or send email communication, I was told to resend documents that were already sent. A year had passed and no resolve. I was then told that my husband at the time needed to be present and give me full access to receive information because it was his name in the mortgage and not mine. He was away on XXXX, but was able to send a letter along with an authorization form provided by Wells Fargo to give me full access to the account. I had to keep checking the status and was referred to the XXXX XXXX XXXX of Wells Fargo. The XXXX XXXX XXXX would then transfer me to a different department without giving me a status on my application. XXXX XXXX XXXX took my case free of cost and provided me with a lawyer to Resubmit all the paper work and ensure by their underwriters I was eligible to be refinanced or transfer title. While in the process investors started calling and even show up to my house taking pictures of the property. XXXX XXXX XXXX XXXX was told I didn't qualify and I needed to sell the house because it would be put in Foreclosure. I lost pay due to the divorce as well as being out on medical leave due to emergency XXXX. I then obtain XXXX XXXX attorney to help me save my home and stop the foreclosure. Wells Fargo put the house in Foreclosure before the date agreed upon in court. I then had to quickly sell my home below the valued pricing. Wells Fargo still has not removed the Foreclosed that was placed in the home ven though it was sold before the date. I also lost my Job as a result of the XXXX years of going back and forth, taking time off and not having enough days leave to take care of all the legalities with Wells Fargo.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

Cash app allowed fraudulent withdrawals on my account in XXXX XXXX most of these took place on XX/XX/2021. These where withdrawals that would require me to approve which I did not. Also I did not know one of the people on the list.They all took place betweenn XXXX ; XXXXXX/XX/XXXX to XXXX ; XXXXXX/XX/XXXX. They where all in California.
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (TX)

I made some bi-weekly payments prior through my bank but the mortgage company did not apply the payments as was received. The hold the first half of the payment is a " suspended account '' until the full amount was received, then applied the full amount at the end of the billing cycle. 

I attempted to make the bi-weekly payments through to the mortgage company 's website they denied my request and said I would have to make an additional fully monthly payment then make one of the bi-weekly payments. 

I eventually complied with their request and made the additional monthly payment and first half of the following month payment but the mortgage company still does not apply the payments as it was received. They keep it in a " suspended : account and wait for the full amount then make one payment for the month. This defeats the entire purpose of making the biweekly payment. I would like the company to apply the payments to the principle as it is received. The mortgage company name is ServiceMac
Consumer complaint received 2020-10-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (OH)

CASHAPP On the XXXX of XXXX, 2020 at about XXXX I tried to check my Business Cashapp Account on my phone that I have been running and trading with for over 2 months, which does has countless successful transactions history suddenly disappeared with my {$4000.00} sitting in my balance. 
I tried to login again with my verified phone Number and Email and to my surprise it signed me up on a new account asking me to choose a new cashtag/username. 
I contacted Support via Email countless times and I was asked to answer some security questions which I did but to my surprise their response was that they couldnt trace/find my account that I should go ahead and send them the screenshot of my last transaction with the account in question which I still did but its still all looking like a futile effort which is so scary because I have been so restless and I dont think Id be ok anytime soon until I am able to have access into the account in question. 
The {$4000.00} that is sitting in that account belongs to my customers because it is a business account. 
I have tried all my possible best to talk to the Cashapp representative on the phone looking up their phone number or customer service toll free number but theres non. 
In no circumstances would I let go of my hard earned money to neither a Bank nor an Individual. 
I will be very grateful if your reputable company ( CFPB ) can help me retrieve my account to recover back my money as soon as possible. 
Thanking You in Anticipations ...
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have disputed the late payment status reported on the account XXXX XXXX XXXX with Experian and XXXX for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-28
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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 2020-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

I sent in a complaint already the ID XXXX. I wanted to say Cash App has not worked with me to resolve the issue. Cash App sent me an email acknowledging my account was fraudulently accessed XX/XX/2020. After asking for an investigation on XX/XX/2020. I was asked to create a new account and send a copy of my Driver 's License on XX/XX/2020. I responded with the information requested on the same day as the request. I have received no information from Cash App beyond XXXX XXXX. 2020 save a couple of missed calls from a number take can receive no incoming calls.Cash App has not contacted me to resolve my case even though, Cash App reported to CFPB they would resolve the issue with me. I would like Cash App to return money to my account as they told CFPB they would do.
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

Between XX/XX/2020 and XX/XX/2020 a series of unauthorized transactions were made from my cashapp account. The transactions were six P2P transaction for {$160.00} each and 5 transactions using a card and pin for {$5.00}, {$6.00}, {$13.00}, {$11.00} and for {$41.00} respectively. I've contacted Cashapp several time and explained I did not make these transactions, I did not authorize them and my physical cashapp card was never out of my possession in New Jersey. So it would be impossible for it to have been used in XXXX Florida. 

Cash App Support responded that since the transaction in question was from a known device and this device had accessed my cash app account prior to this event. They do not have enough evidence to determine the activity was unauthorized and denied my claim. 

Cash app terms of service ( 4. Your liability for Unauthorized Transactions ) says " We will protect you from Unauthorized Transactions in you Account. '' these are clearly unauthorized transactions as defined by the cash app terms of service " An " Unauthorized Transaction '' occurs when money is sent from your Account that you did not authorize and that did not benefit you. '' and cash app is refusing the protect me.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (WA)

Hi, I have been dealing with Oklahoma state tax commission for income tax not paid in XXXX. I have been contacted multiple times from Linebarger Goggan Blair and Sampson, LLP about unpaid debt. However, the income tax was paid and I have proof of paid taxes from XXXX. I have been trying to fix this since XX/XX/XXXX. I also repaid this debt in XX/XX/XXXX. Which I also have proof of. I recently contacted again from Linebarger in XX/XX/XXXX.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (PA)

I cancelled my service with XXXX and chose XXXX cable service. I no longer had any contract term and was looking for better pricing which XXXX was able to bundle. Equipment boxes were sent to us and all XXXX equipment was promptly returned. 
I never received another bill from XXXX but rather was sent a collection notice from XXXX ( {$220.00} ) I sent a letter ( attached ) to XXXX who sent a letter back to me stating that they no longer were handling the account ( also attached ). The date of this letter was XX/XX/18, the same date as yet another letter had been sent to me from Sequium, a different debt collector asking for the same debt information. I then sent a letter to Sequium ( attached ) which to this day has been unanswered. I noticed that this false debt is now registered with the reporting agencies. This is clearly a shell game for collection agencies who feel they don't have to respond to consumers. As you can see, I have spent much time and money on certified letters and tracking information but still have no resolve. This clearly is an attempt to simply wear down consumers and just have them pay.

I've never received any details as to what the debt could possibly be. Service was terminated by choice and equipment returned.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Recovery Systems, L.P. (FL)

I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. 
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.
Consumer complaint received 2018-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

On XX/XX/18 I logged into the Navient website to explore options for reducing or delaying repayment, as I am having financial hardship. Almost every link that I selected to either get contact information to call/email Navient, search for forms, or view repayment options gave me an error stating the page was not found. It is disheartening to deal with a a servicer that does not have a more streamlined way of keeping the communication open with it's customers. I am sure if my payment is late to Navient and this is the reason, they still will not hesitate to report to credit bureaus even though it is their fault I am unable even to retrieve a phone number from their website. I am attaching a document showing the page error.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

( 1 ) 15 usc 1681q- 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. 

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

Transunion Items dicover inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-03-28
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. (MI)

I am writing to delete incorrect information from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I requested a copy of my credit report through TransUnion and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with TransUnion and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that TransUnion, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (OH)

XXXX dollar service late fee charged never received a bill calls to service center XX/XX/XXXX & XX/XX/XXXX not able to resolve proiblem tound i had been switch to 'PAPERLESS BILLING ' that i had never authorized account opened in XXXX i recall three occurences simular so far they have issued refunds
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe this late payment entry is inaccurate and unfairly impacting my credit history. I respectfully request that you investigate this matter and provide a written explanation of your findings. I have consistently made timely payments on my account, and I take my financial obligations seriously. Any deviation from this pattern is likely due to extenuating circumstances or errors beyond my control.
Consumer complaint received 2023-02-03
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX