davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TN)

I was receiving a {$17000.00} reimbursement from the company I work with and they use XXXX for payment processing. I used Square to create invoices and track to make sure I received the funds back. XXXX reached out to me to pay me via a virtual mastercard. The explained to me they will send me this card and I could use it to put it in my bank account. I asked how do I use a card and they explained it wont be an issue. On XX/XX/XXXX I received an email saying lets get you paid and it had a link to the virtual card. I clicked the link and there was no instructions or actionable buttons to click.I emailed avidexchange back explaining I do not know what to do with this. I received no response. The next day I have an email from square saying I got paid {$17000.00} from and invoice and they had charged me a 3 % fee. I did not give them permission to pull these funds down and have no idea how they even knew the funds were out there. I contacted XXXX and they were going to pull the funds back from Square and issue me a check. I received a check in the mail some 15 days later and deposited it in my account and the check was no good. I contacted XXXX and Square and Square agreed to refund the money back to avid and remove the 3 % fee so I would get my full {$17000.00}. The day of the refund Square cancelled it and I calle dand they said I did not provide some kind of verification. I did not receive any request for verification. Then I tried to put pressure on XXXX again since they misled me in the first place. They agreed to get the funds back again form Square and sent me another check that was also no good. So in desperation I decided I would eat the {$510.00} fee just to get my money back because this has dragged out for months. I went on Square and set up a banking account to transfer the funds. To my surprise it said it was going to transfer {$17000.00}. I was like good finally. I set it all up and my bank card was on its way. Immediately I received an email from Square saying they deactivated my account and were holding my {$17000.00} until XX/XX/XXXX. I reached out by phone to see why and as soon as I call it says my account has been deactivated and to refer to the email I received. At this point this is crazy. I can not see how a company can get away with something like this so I am reaching out to the CFPB. Please help!
Consumer complaint received 2023-03-03
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-04
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CO)

I opened a Victoria XXXX  store card account in XXXX and was given a credit limit of {$250.00}. Falling behind on the payments the account was ultimately closed and has since been charged off with interest at a rate in upwards of 250 % at {$680.00} ( charge off amount ).
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, check # XXXX was cashed by Bank of America in the amount of XXXX payable to XXXX XXXX or XXXX. This check was originally written on XX/XX/XXXX in the amount of {$58.00} to the XXXX XXXX XXXX The check was altered, and XXXX XXXX  was notified on XX/XX/XXXX at which time a claim was filed. The claim number given by XXXX XXXX for the investigation to Bank of America is XXXX. 

We have tried repeatedly to contact Bank of America both through XXXX and directly. On XX/XX/XXXX, XXXX received an e-mail from Bank of America stating that the investigation was ongoing and would be resolved within 90 days from the original filing date. 

As of XX/XX/XXXX, the last communication from Bank of America was that resolution would be within 120 days from the filing date. Bank of America keeps pushing the date back and that is unacceptable,
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority (MD)

To Whom It May Concern : On or about XX/XX/XXXX, I received notice that the school I was currently attending, The XXXX XXXX XXXX XXXX, filed Bankruptcy, Chapter XXXX. 

Monday, XX/XX/XXXX I received my bankruptcy letter in the mail.

Wednesday, XX/XX/XXXX at the end of my XXXX  class my teacher informed my class that there is a letter that can be signed by us students saying we were told all of our options ( I didnt receive a letter that day ). 

Monday, XX/XX/XXXX at XXXX XXXX I emailed XXXX XXXX who was the head of the XXXX XXXX department, about setting up a meeting for Wednesday, XX/XX/XXXX at XXXX XXXX  to discuss the school closure and student options. 

XXXX XXXX responded on XX/XX/XXXX at XXXX XXXX to confirm the meeting for Wednesday the XXXX at XXXX XXXX  Wednesday, XX/XX/XXXX I had a meeting with XXXX  XXXX. In the meeting, I was informed of different ways to handle the school shut down and going over credits that I would have to transfer. I also received the student options paper that my XXXX teacher mentioned at the end of class ( the paper was not signed ). The Loan discharge was not a topic we talked about during the meeting. 

Wednesday, XX/XX/XXXX was the first day I noticed that the school started to liquidate. I went to attend the school computer lab, the doors were locked and the computers were getting packed up. 

Wednesday, XX/XX/XXXX. XXXX  department and other departments of the school were being liquidated. The school was giving away XXXX  uniforms and other XXXX. 

Tuesday, XX/XX/XXXX was supposedly the last day of full my full XXXX XXXX XXXX class. My teacher XXXX  XXXX notified the class to let us know to just come back on Wednesday, XX/XX/XXXX at XXXX XXXX to take our hour-long final. The classes were originally supposed to last until XX/XX/XXXX and the school officially closed at the end of XXXX. 

My original plan was to graduate from the XXXX XXXX XXXX XXXX   XXXX  with a XXXX XXXX XXXX because of the school 's convenient location from home and its XXXX XXXX XXXX XXXX XXXX XXXX opportunity. 

After getting the news, I realized that my current registration status would not allow me to complete a degree before the XXXX XXXX XXXX XXXX  closed its doors permanently on Saturday, XX/XX/XXXX. 

I have attached the required application for a loan discharge along with the Chapter XXXX bankruptcy letter that I received in the mail. I have also attached the option letter that was offered to me in XX/XX/XXXX. None of the option were reasonable or affordable for my residential status. 

I was unable to complete the full program because of the schools closure and all of my hard earned student credits are not transferable. 

Unlawfully, the XXXX XXXX XXXX XXXX, XXXX Virginia continued to receive my federal student loan payments after filing for bankruptcy.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

On XX/XX/XXXX, I sent an {$840.00} money transfer through MoneyGram to my cousin in XXXX to address some urgent medical issues of a relative. The transaction was through the MoneyGram app and was intended to be deposited on the recipient 's mobile money wallet. However, the recipient never received the money. 

I called customer service on XX/XX/XXXX - immediately after being informed by the intended recipient that the money has not being received. MoneyGram told me that the intended phone number was not same as the number to which the transfer was made, but they would not give me the " supposed wrong number '' that my money was transferred to. 

My request at the time was very simple- and it was that, as a sender, i should have the right to know to whom my money was sent. Without that, I can not accept that there is an error in a transaction, as there is no evidence. Essentially, MoneyGram can decide to not send a transfer and then tell a customer there is an error without showing evidence to back that claim. This information is also not reflected on the receipt. The recipient 's name is on the receipt but not the mobile money number which is the unique identifier of the recipient. 

Moneygram claimed to have opened and investigation which was only going to be completed over a 90 day period, only to come back to tell me the following on XX/XX/XXXX : " After completing our investigation, we have determined that a mistake has not occurred. MoneyGram is satisfied that all necessary steps were taken to pay out your transaction to the account number provided by you at the time of send. Our records show the transaction has been correctly deposited to the intended receivers bank account number provided in Send Form. 

As MoneyGram has determined a problem has not occurred, we consider this matter closed. '' I do not accept the outcome of this as MoneyGram has not showed any evidence that there was an error in this transaction and refused to give me the necessary information for me to follow up on this myself. It is blatant disrespect, exploitation and abuse of a very important mandate.
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (TX)

I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$150.00}
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems is reporting a debt owed of {$7700.00} on my XXXX  credit report that is not mine.The name they have on the lease document is not mine, yet they insist on adding it to my credit report, I have disputed this account with both XXXX and XXXX who agreed and deleted the account. I have called and written countless letters to remove this account to no avail. My last option now is to have my lawyer sue both them and XXXX to get this removed.
Consumer complaint received 2023-03-03
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: Collection Bureau of America Ltd. (TX)

I have sent Collection Bureau of America several letters requesting validation of alleged debts they claim I owe. They in return, sent me a ledger history and have yet to provide documentation that bears my signature showing that I have entered into a contractual agreement with them. These derogatory comments are still reporting on my credit reports.
Consumer complaint received 2023-03-03
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-03
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2019-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CA)

I have been going back and forth with this collection agency and XXXX credit bureau about a collection that is not mine. Grant Mercantile Agency has a collection for {$55.00} and they refuse to remove it. Every month they have been adding on {$1.00} to the balance.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

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 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, Has violated my rights. 

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 that 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S. C 1681 s-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 calls to believe that the information is inaccurate.
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Currently I am on a Forbearance with my Mortgage servicer Mr. Cooper, and when I called them two months ago I was told that I can extend my Forbearance till XX/XX/XXXX, suddenly I started getting messages that my Forbearance will end by this month ( XX/XX/XXXX ) and I need to start paying by XX/XX/XXXX. 

Now I am still facing hardship due to Covid-19 so my Mortgage servicer should extend it till XX/XX/XXXX. 

When I called them Mr. Cooper employee said that they are working on my monthly Payment modification and when I asked how much that monthly payment will be, they said it takes 30 days to work on a payment modification, I asked why it takes 30 days, they said that they are understaffed that is why. 

When Mr. Cooper makes so much money how come they are understaffed? Doesn't make any sense. And why it will take them 30 days for a payment modification, it should take a maximum of 2 days for a payment modification.
Consumer complaint received 2023-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: FORD MOTOR CREDIT CO. (MI)

This issue concerns a 2-year lease of a XXXX Ford XXXX XXXX financed through Ford Credit. The Ford Credit account number is XXXX XXXX. The attached letter ( which was sent to Ford Credit 's dispute department immediately after the events at issue ) provides substantially more detail on the sequence of events, including exhibits consisting of screenshots of my account. 

In short : I wanted to execute a lease extension in XX/XX/XXXX. Ford Credit had a very difficult time getting me thXXXX XXXX links to actually execute the extension, and numerous representatives gave me conflicting information about what I needed to do to access the form -- not to fill it out, just to literally access it. For this reason, it took over a month to execute a simple document.

This obviously caused some issue at Ford Credit, because after the extension, they never sent me any statements, in any format, and I had no way to know what the balance was or when to pay it. Then a month after the extension was signed, Ford Credit reported my account as delinquent to the credit reporting agencies. I tried to challenge the only way they allow ( mailing a literal letter to XXXX, Nebraska ). They have not responded. 

For further detail, please review the attached letter and exhibits.
Consumer complaint received 2021-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Portfolio Recovery was noticed of a dispute on XX/XX/2021. The company agreed on a recorded line to pay for deletion. As of today XX/XX/2021, still has not removed this account fro. My credit file on all three major bureaus.
Consumer complaint received 2023-03-04
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. (CA)

XXXX XXXX Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
XXXX XXXX has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.
Consumer complaint received 2023-03-04
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: CLGF Holdco 1, LLC (NC)

XXXX XXXX XXXX account was closed. Did not contact me on the fact there as a interest payment in this account so was closed and they keep reporting to agency as past due and was not. I was not informed via nothing letting me know of it being late credit companies did not investigate properly or this would still not be on my report. Hence violated my right under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Consumer complaint received 2019-01-21
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 — Investigation took more than 30 days
Company: HW Holding, Inc (TX)

Hunter Warfield is attempting to collect on an invalid debt from a prior creditor. The initial creditor XXXX XXXX XXXX breached their contract by not adhering to my request to fix hazardous problems. 
In addition to this XXXX XXXX  XXXX tried to hold me accountable for rent when the contract had already been terminated. XXXX XXXX  XXXX then sold the alleged debt to Hunter Warfield, within months this was being reported on my credit report without an initial attempt to collect on the debt, I was never notified of my rights, nor was I given the opportunity from Hunter Warfield to prove the validity of this debt. I hold both XXXX XXXX XXXX and Hunter Warfield accountable because my rights were violated under both the Fair Credit ReportingAct and the Consumer Financial Protection Bureau. XXXX XXXX XXXX did not follow rules and regulations per the XXXX XXXX XXXX-If you dont receive a response within a reasonable time, re-notify the owner/manager orally and in writing. If you still dont get a response, you may have legal grounds to exercise statutory rights of lease termination, compulsory repairs, damages, penalties, third-party repair and deduct, and attorneys fees. ( Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. ) Under this rule my lease was legally terminated and other tenants have since then resides in the property.