davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I question Navient 's ability to handle payments. I made a one time {$500.00} payment on  XXXX   XXXX    XXXX   via my account website on Navient, and the payment was lost. When I spoke with Navient agent, although they were nice, the stated that the payment was lost, or not connected to my account for some reason, and they would work on fixing it for 16 days. I asked how this would be avoided in the future, and the agent was unable to answer the question. I paid online via my account page! How on earth could the payment have been disconnected from my account? I am so frustrated, and I do not feel that Navient takes ownership of this issue, despite the fact that I am a customer paying THOUSANDS to this company in interest. Where is the accountability?
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

XXXX XXXX2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the Amount of {$5600.00} XXXX XXXX, 2010 unauthorized withdrawals of {$4900.00} Check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$2500.00} XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$8500.00} XXXX XXXX,2010 unauthorized Withdrawals of {$6100.00} check # XXXX XXXX XXXX, 2010 unauthorized withdrawals of {$15000.00} check # XXXX XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$3500.00} XXXX XXXX 201 unauthorized transfers from another XXXX XXXX XXXX. Business account in amounts of {$2000.00}, {$7000.00} and {$3500.00} XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$4000.00} check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employe made unauthorized withdrawals from XXXX XXXX XXXX. Business Account in amount of {$16000.00} check # XXXX All checks were sent to XXXX XXXX residential in XXXX XXXX. XXXX.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc. (MD)

ACEI has falsely reported debt that I do not owe to the three major CRAs as recently as late XXXX, although all of this debt was paid to the original creditor on or before XX/XX/XXXX and the original creditor notified ACEI. I am including supporting documentation from the original creditor showing that the debt that ACEI claims I owe was paid. I have called ACEI several times to ask for resolution of this issue and also to get knowledge of an anticipated timeframe for removing this false information from my credit reports with all the major CRAs. ACEI has been completely unwilling to provide any information on the following : 1. Providing accurate updated information on the resolution of the debt 2. Report the debt as resolved to the CRAs 3. Provide me with accurate validation of the debt
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AVANTE (MO)

I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.
Consumer complaint received 2023-02-15
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. (NC)

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. 

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 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 2022-11-17
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. (PA)

my name is XXXX XXXX my daughter name is XXXX XXXX we had the same name into i was married my daughter have accounts that are on my credit file I asked the credit bureau to block these account and a investigation to be done these bureau refuse to do a investigation. I am a victim of identity theft and new account are still inserted on my credit file I haven't applied for a new account in three years but i still have new inquiries as well as new accounts please STOP this and hold these credit reporting agencies accountable.
Consumer complaint received 2017-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

I had problems trying to pay online and I could not access the account. I eventually paid loan amount, but as a result of missing deadline, a {$25.00} penalty was imposed. The late fee represents 5 % of outstanding balance for  one  month. ( That is loan shark rates  ) .   I feel the penalty was excessive given the balance on the account was  one  payment away from payoff. They informed me that since they waived a fee in  XXXX   XXXX  that they were unable to waive this fee  (   XXXX   XXXX  ).
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I am writing to formally file a complaint regarding a troubling issue I have encountered involving a money transfer from my Cash App account to my bank account at XXXX XXXX. This incident has caused me significant inconvenience and financial uncertainty. 

On XX/XX/XXXX, I initiated a transfer of {$420.00} from my Cash App account to my bank account. The transfer was processed by Cash App, and I was provided with a transaction confirmation. However, as of XX/XX/XXXX, the funds have not been credited to my bank account. My cash app tag is XXXX XXXXXXXX Upon contacting XXXX XXXX, they informed me that they can not trace the transaction with the information provided by Cash App. The only detail I received from Cash App was the transaction ID, and they have refused to provide further necessary banking information to trace where the money was sent. 

This situation has left me in a financially precarious position, as I am unable to access funds that rightfully belong to me. The lack of cooperation and transparency from Cash App is particularly concerning, and I believe this matter requires urgent attention. 

I request the CFPBs assistance in resolving this issue. I am seeking a full investigation into this transaction, and appropriate measures to ensure that the funds are correctly credited to my bank account at the earliest. Furthermore, I hope that this complaint will help in ensuring better service and accountability from digital payment platforms like Cash App. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and resolution.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Items purchased on the website XXXX  was a scam. I made a {$100.00} payment with XXXX. I also was texted by the company that my order was recieved and processed. That number is ( XXXX ) XXXX. I also filed a complaint with the FTC. I contacted company by email and text an no response. I also contacted Chase and they will not help me. I have an email from the company that my order was being processed ; however, I did recieve another text asking for {$480.00} for XXXX stamps. Then I knew this was a scam. I did not send any additional money.
Consumer complaint received 2017-06-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MS)

I n 2006, I  purchased the   XXXX   XXXX   XXXX   in  XXXX  Ohio. This property was wrongfully foreclosed by  BAYVIEW  loans after getting behind in payments. I never received the proper legal documents informing me of my rights.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TN)

On XX/XX/2023 I ordered a pair of shoes for {$60.00} ( order # XXXX ) from a so-called online store called XXXX and the email address is XXXX and they said it was based out of Texas and was led to believe the product would ship from the U.S. and would arrive before XXXX and after I paid I received an email days later saying it had been shipped from XXXX and received a tracking number ( XXXX ) which when looked said was not found so I emailed them back after several more days and said I wanted a refund and they assured me it was on way so I waited and still nothing. So I emailed them back and requested my money back again and they said it had been refunded but I still have not seen it on my account or the shoes in the mail. Now Everytime I email them they just keep on sending me either item on way or that they have refunded my money ( the exact same 2 emails they had sent previously but randomly regardless of what I had said in my previous email ). Then I contacted cash app and filed a dispute but they denied me for some reason which they have not shared with me.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

XX/XX/XXXX I made a purchase from below link using my cashapp card in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After the purchase it said I would receive confirmation via email and never received I contacted XXXX XXXX goods customer service XX/XX/XXXX and was informed there was no order on record. Representative asked me to confirm the merchant name and I told her it was XXXX she informed me I was scammed I disputed the transaction through cashapp once the amount was no longer pending and was denied 3 days later. With no documents to support the denial as they stated the merchant show goods were received - documentation of delivery is impossible
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - DEPTEDNELNET. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/17, XXXX/XXXX/17 to DEPTEDNELNET, did not hear back from them on both occasions. XXXX XXXX AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. Nel Net information is fraudulent and inaacruate and that they need to remove DEPTEDNELNET IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX XXXX, AND XXXX or DEPTEDNELNET. As of XXXX/XXXX/17, DEPTEDNELNET is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/2017 so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Block, Inc. (WA)

CashApp XXXX says they support filing amendments ( form XXXX, https : XXXX.cash.app/sXXXX XXXX  However, they either do not support this, have it obfuscated behind a particular " window of time '' that you can file an amendment, or some other thing such that they are essentially blocking access to my taxes, which seems to me like it should be highly illegal. 

Thanks.
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (CA)

I recently discovered Spotloan C/O Blue Chip Financial is a tribal lender and not authorized to extend loans to California residents. I sent a letter offering to pay the principle balance of the loan even though I am not legally required to do so, and received an email refusing my offer.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an account with AAA XXXX XXXX XXXX since XXXX. About a year ago I placed this account on auto-pay since I trusted them and this card had the best APR. In XXXX of XXXX ( XXXX ) I noticed late fees and started checking back into my account. I call Customer Service and they only returned XXXX of the late fees. The total still left on the account, when I checked XXXX/XXXX/XXXX, was {$310.00}. They were taking the payments out 2 day after the due date. I did not ask for any specific ic date of the month ; only requested auto pay. 
I called several time to address this issue and ask for return of late fees. Dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( XXXX late fees returned ), XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX who opened a case # XXXX which would ( per his supervisor ) research and return ALL late fees. He also said someone would call me about this case. On XXXX/XXXX/XXXX I was told the case was still under review. As of today no further refunds have been made to my account and no one has called me back.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX  ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the Consumer Affairs website regarding the Transworld system - XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Consumer complaint received 2017-06-08
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: CAINE & WEINER COMPANY, INC. (FL)

I have not had any dealings with  XXXX   XXXX . I have not had a reason to utilize any of their services. Without any prior contact, they are reporting false information on my credit report. They have not responded to my previous request for information regarding this inappropriate reporting of information.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a  XXXX  lien. We negotiated the $  XXXX  balance down to {$23000.00} of which I paid off {$11000.00} in  XXXX   XXXX . I have letters from  Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa  program. T he DIL  was finalized on  XXXX   XXXX ,  XXXX . However,  Ocwen fail ed to pay off the  XXXX  lien to  XXXX  Bank. The loan was initially given to  XXXX   XXXX  and now the law firm of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is handling it. They just contacted me have given me until the end of the month to pay the remaining balance  that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens  history of being able to complete things on time I am worried that this will not happen before  XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for  whatever amount   XXXX   XXXX   takes me to court for which could be anywhere from $  XXXX  {$25000.00}.