davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated. SYNCB/JCPENNEY closed my account in XX/XX/2020 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe that they have violated me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/JCPENNEY never informed me of my rights. SYNCB/JCPENNEY has the obligation to correct this action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX. I tried to explain multiple times to SYNCB/JC PENNEY what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/JCPENNEY know what happens when penalties for not complying with the ECOA? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. By SYNCB/JCPENNEY closing my account without any lawful or legal notice it appears they denied me extension credit in this transaction they also damaged my credit worthiness, because due to XXXX SCORING closed accounts drop your credit score and you lose time of age on the account that is what happened on my consumer reports I lost very important data points. I never was late, the account was paid in full. I'm just trying to make it clear that I have strong reason to believe under ECOA it appears Violations occurred and something needs to be done about it SYCB/JCPENNEY needs to make this right with me the consumer. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the Violating of Consumer Rights that are going on.
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$3200.00}
Consumer complaint received 2020-05-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Covid 19 CARES ACT clearly states mortgage servicer 's are required to provide 180 days mortgage payment relief and another 180 days mortgage payment upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES ACT mortgage relief from SLS Loan Servicing was given 90 forbearance period with balloon payment due at the end of the 90 day forbearance period ending on XX/XX/2020. On XX/XX/2020 sent certified letter to SLS Loan Servicing to advise Covid 19 CARES ACT mortgage relief requirement and request 1 year mortgage payment relief. SLS Loan Servicing has not authorized my request.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ME)

This has been reported to the XXXX XXXX XXXX already. And thankfully, a Lien was narrowly avoided being placed on my house. So no action is needed in terms of paying the overdue escrow anymore. However, I have significant issue with the response from the business in which they don't accept responsibilty for their error, as well as providing factual inaccuracies. Due to this, I feel the need to report what happened to a US Government agency. So please accept this complaint as a record of what Mr. Cooper 's actions were, and please pass this along to any appropriate authorities. 

Mr. Cooper is our current mortgage lender for our home. I had an Escrow payment of {$680.00} due way back in XXXX XXXX XXXX. Mr. Cooper was supposed to pay this from my Escrow Balance far in advance of it being due, as stated so directly on their website. A Lien was being threatened to be placed on my house on XX/XX/XXXX of 2022, all because Mr. Cooper made a mistake and dragged their feet in rectifying it. My Escrow Account Balance was {$8000.00}. That was more than enough money in the balance to pay the XXXX tax, but Mr. Cooper refused to do it for weeks despite my pleading. I contacted Mr. Cooper multiple times through phone and online chat, as did the Realtor that sold the property to us. Mr. Cooper kept saying that they would " investigate '' it, but nothing would ever happen. Meanwhile, my family 's mental well-being suffered greatly with the threat of a Lien being placed on our home, and seemingly nothing we could do about it. The customer service agent I spoke to on the phone even confirmed that they had purchased my loan back in XXXX of 2022, and that they should have been the ones to pay the XX/XX/2022 Escrow Tax. There were sufficient funds in my Escrow Account, and the Escrow Tax was almost 5 months overdue. I have evidence of countless occasions of me begging them to just pay the bill before I got a Lien on my home. They wouldn't do it for weeks. They were also provided with a copy of the Lien Notice from the town of XXXX XXXX XXXX. 

Additionally, I accrued late fees because of Mr. Cooper being 5 months late on paying the Escrow Tax. {$22.00} in late fees were added to the tax bill. Mr. Cooper did end up paying these late fees out of their own pocket, but I wanted to note the late fees because Mr. Cooper has tried to claim that the taxes weren't due until XX/XX/2022 in their response to the XXXX XXXX XXXX. This is clearly not true because if the taxes weren't due yet then there wouldn't have been any late fees to pay. They also tried to claim that their investigation showed no error on their part, which I find insulting. I have yet to even be told by them WHY they didn't pay the Escrow Tax Bill back in XXXXXXXX XXXX XXXX despite them having taken ownership of my loan in XXXXXXXX XXXX XXXX. I have no idea how this happened, and all I got in response from Mr. Cooper was them claiming they did nothing wrong.
Consumer complaint received 2021-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Purchase of {$47.00} on XX/XX/2021, using PayPal for payment. 

URL : XXXX XXXX  XXXX Seller info Transaction ID XXXX Delivered XX/XX/2021 Upon receiving the item, was clearly not as described. Appears to be a complete scam. 

Contacted seller, requested refund. Offered 50 %, then 60 % refund. Ultimately PayPal offered 100 % refund but requires " me '' to ship the goods back to XXXX, at my expense. I have no issues returning the item but not at my expense. Getting the run around. The cost of shipping to XXXX with tracking is more than the requested refund. Complete scam. 

This also seems to be a regular scam with PayPal and XXXX based merchants you should be addressing. 

For reference : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text from the PayPal dispute provided below, case XXXX. 

Requesting a full refund. {$47.00}. The item received was not as advertised. Appears to be a complete scam. Looks like a cheap piece of plastic made and painted by a XXXX year old. 

Claims ( from the attached screenshots labeled " As Advertised XXXX '' ) " XXXX Full Metal Car Engine Assembly Kit '' Not true, single piece of plastic, no moving parts. Not an assembly kit. 

" car engine build kit is designed based on inline gasoline engine, but work with electric motor instead of gasoline '' Picture with an electric motor attached. No electric motor provided. No moving parts. 

" This four-cylinder engine is sent with kit ( 500pcs+ ) with a metal box ''. 
Not true, ONE plastic piece. Missing 499+ parts. 

" The whole process is close to the professional assembly line process. Its interesting and full of experience '' Not true, nothing to assemble. Complete garbage. 

" High Craftsmanship : The whole car engine is made of metal. With XXXX precision casting process, aluminum alloy oxidation, looks gorgeous. Ideal for gift collection. '' Not true. Not metal. 

" XXXX XXXX That Works : Working Principle - It is an electric engine, works with electric motor and 700 mah lithium battery. Under full power state, it works around 30 mins. '' Not true. No moving parts. Not electric motor. No Battery. Works for 0 minutes. 

I could keep going if needed. Please see the attached screenshots.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

On XX/XX/XXXX, I made an international transfer of US {$8200.00} to Capital One Bank, XXXX Texas in favor of : XXXX XXXX XXXX. 

This transfer is made through my bank : XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) to Capital One Bank ( XXXX Texas ). While the beneficiary confirmed receipt of the cash, for reasons I do not know he indicated to me that he did not have access to his bank account so I filed a return claim with my local bank in XX/XX/XXXX. XXXX XX/XX/XXXX I continue to follow up on the return with my Bank and only tell me that Capital One Bank has not made a refund for them. I request your support to make my return of the funds as soon as possible as almost 10 months have elapsed and I have not obtained them.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I had a starting balance of {$210.00}. There were 4 transactions posted on XX/XX/XXXX. 1st transaction {$170.00} credit ( bal {$390.00} ) - online transfer from personal savings, 2nd transaction {$150.00} debit ( bal {$240.00} ) - online transfer to my personal checking, 3rd transaction {$240.00} debit ( bal {$2.00} ) - XXXX transfer to another institution, and the 4th transaction {$10.00} direct pay service fee ( bal XXXX ). The {$10.00} is a fee the bank charges for using their direct deposit services. That fee was put on the account during the banks overnight processing so I was unaware that the fee would be charged on that day until I received an insufficient funds notice. Im filings complaint because the notice says that when I made my XXXX transaction there wasnt enough money in the account. They charged me {$35.00} for my XXXX transfer. I called and spoke with customer service and I filled an internal complaint with their small business customer advocacy support team. 

Wells Fargo does not charge overdraft fees for the item that actually overdrew your account. They charge fees on ANY transaction that Post to your account during an overdraft.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (MD)

On XX/XX/XXXX, I called Self and inquired about when the statement closing date was, so that I could pay off my card before they report to the credit bureaus. I was told that the date was the last day of every month. 

I paid my account in full for {$460.00} on XX/XX/XXXX using a ACH debit from my bank account. Self took the money out of my account but the amount has never been applied to my account.

When I reached the company this afternoon, they gave me the wrong date on when I paid my bill and when I finally reached a customer service person after a two hour wait, said the customer service rep said it would be another week. Previously payments have been posted within a day, two at the longest.

I have tried to email the company 3 times but no one has replied to give me any answers. They have disabled their live chat feature. A request to speak to a supervisor has gone unanswered, citing " they're working from home. '' I want my payment in full posted to my account and my credit report updated accordingly.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

Kimball, Tirey, and ST John is a collection agency on behalf of XXXX XXXX XXXX XXXX. They have attempted to collect a debt and damaged my credit profile for a property they dont manage and represent. I have disputed with them along with XXXX  to no avail. How can they take certain measures for a property or owner they dont represent.
Consumer complaint received 2019-10-22
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 I got a email on my phone from Wellsfargo, the email looked suspicious so I forwarded it to Wellsfargo XXXX to report it which is attached. So, on XX/XX/2021 I received 3 notifications on my phone stating ( 1 ) Telling me I enrolled in the wireless service ( I have never done a wire transfer in my life ) ( 2 ) You added the receipant XXXX XXXX to the wire transfer ( 3 ) You sent a wire transfer to XXXX XXXX in the amount {$2800.00}. I noticed I received these notifications around XXXX XXXX. My phone records that are attached shows I contacted XXXX at XXXX @ XXXX & stayed on the phone 70 minutes telling them someone hacked my account & I did not authorize or make this wire transfer. I have 4 accounts that links together. I have the account listed as ( 1 ) XXXX  ( 2 ) XXXX, ( 3 ) XXXX  ( 4 ) XXXX  & XXXX  account. The hackers transferred all the money from 3 accounts into the XXXX  & XXXX  account. Then they did a wire transfer in the amount of {$2800.00} from the husband & wife account to XXXX XXXX acct with XXXX XXXX. I have never heard of this person. The representative told me they were going to see if they could stop the transfer because the hackers had just done it at XXXX. I submitted a online claim & a wire transfer claim on XXXX Wellsfargo Fraud Department. I also filed a police report with XXXX XXXX Police in XXXX, Ga ( Case # XXXX ) Couple days later I called to check the status of my claim & they tell me they didnt try to retrieve the fund until XX/XX/2021. In my mind they gave the hackers plenty of time to get away with my money & why wasnt the wire transfer stopped in XX/XX/2021 the same day i notified you & the day it happened? So, after this I made a appointment to speak with a branch manager at Wellsfargo & when I got there they just let me spoke with someone else which all she did was called the fraud dept. & said there was nothing she could do. I To my knowledge I did everything right, but I get a letter from Wellsfargo like they blaming me & refuse to reverse the funds back to my account. I thought my money was safe & insured. I been with this bank for over 20 years & never had anything like this happen & get treated like this. I work too hard for my money for someone to hack my acct & steal it!
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (VA)

Due to medical and financial hardships and losing work during the pandemic, I fell further behind in my mortgage with my former lender XXXX XXXX I was on a foreberance plan and my first payment after the foreberance was going to be {$2400.00}, due XX/XX/2022. In XX/XX/2022, I began getting strange letters from a company called Selene Finance saying they were now my mortgage company. I received letters from Selene almost weekly with different instructions, information, etc. I called and spoke to a Selene Financial representative and asked for the meaning of the letters I received, I was told this company was now the mortgage company I should pay my mortgage to. them. I was about to make my first payment for XX/XX/2022 to Selene, and then I started receiving letters saying I had to pay {$3300.00} ( approx ) Selene also raised my interest rate, and the principal balance. I tried consistently and over and over again with various representatives sending my agreement/forbearance/modification with XXXX and although all the representatives I spoke to said Selene would honor my work out with XXXX, they did not. Selene told me to apply for a modification with them, and when I did, they came back with again a higher interest rate, higher principle balance and a monthly payment in the amount of {$4200.00}. Selene has not honored my terms with XXXX, I have no explanation as to why, they will not honor my terms from XXXX and how can they change my interest rate? Selene Finance seems like a mortgage company that is not reputable nor do they care about the transferred/sold clients they have in their portfolio. 

Have tried to load supporting documents keep saying file too large.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I contacted chase on XX/XX/15 after I tried to use my card to make a purchase and my card declined. When I called chase to check my balance or see if their system was down I was told my account was closed and to contact customer services. When I contacted customer service I was on the phone with them for 4 hours with no information given. I was first told that both my accounts were closed and it was a final decision and she couldnt explain so she would transfer me. After holding for over an hour a man came on the phone and told me my account is still open and active with no restrictions but my debit card is closed. I asked him why I wasnt given any notifications via email or text which is my preferred contact method nor was I mailed anything. He said he did not know any wasnt in charge of that and he also didnt know why my account was closed he then told me he would transfer to someone who could answer my questions. I was transferred to another lady who told me both my accounts were closed and it was a final decision and cant be reversed she also stated she didnt know why I wasnt notified and still havent been notified of this decision but my account will be closing in 10 days. She also said she didnt know why they had been giving me the run around because my account clearly says in red to contact online services. No one has yet to reach out to me notifying me my account will be closed and why that decision was made.
Consumer complaint received 2022-05-03
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. (SC)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.