davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

My HELOC balance, $ XXXX is the result of a construction of a bathroom going bad. I do have a judgment from a California court, but the contractor is not paying and dragging us for past 8 years. I have my mortgage with XXXX and I did have my HELOC with XXXX too, but US Bank lured me their program which I did. I am a XXXX year old single mother with a rare XXXX XXXX  frequently under XXXX ( just finished a XXXX XXXX sessions ). I am also the sole caregiver for my XXXX year old parents. I also have a son on XXXX XXXX ( XXXX XXXX ). My XXXX tax return is $ XXXX, which is under poverty line. My HELOC interest rate right now is 3.99 % which is {$750.00} p/m just for interest. It is going to mature in a few months, meaning interest + principle which I can not pay during my hardship. I started the process last year ( XXXX ) with US Bank . They have requested so many documents which I provided. My file is with their Loss Mitigation Dept.! There has been at least 5 Relationship manager for my case! They keep denying me even though my  first mortgage with XXXX is re-structured by HAMP. I am trying to create more income, so I have rented two rooms in my house, I even provided my Food Stamp ). They keep rejecting me and suggesting to submit the hardship package again ( 3 times of submitting the package so far! ). Other banks have programs for their HELOC, not US Bank. I have lived in this house for 21 years and I have no intention of getting out of my house. Please help me during this hard times for me and my family ASAP, before the re-structuring starts, because at that time I can not afford to pay the monthly installments. consequently, I will lose my home. Please help me.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

hi my correct is FIRST NAME : XXXX LAST NAME IS : XXXX i do not have midle name XXXX i have been contact all credit bruea but they never correct the information can you help me to resolve this please thank you very much
Consumer complaint received 2021-01-29
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: Penn Credit Corporation (OH)

Ive reached out to XXXX XXXX XXXX about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (GA)

Hello I used Paypal to purchase a product that was defective I tried to reach out to the seller who was non-compliant. The purchase was for {$240.00} when I did not get a reply back from the seller I contacted my bank who opened a dispute and refunded me the money but reversed the charge and took the money back because I hit the wrong dispute button by accident. I was supposed to hit the button that I am disputing it because I returned the merchandise. I hit the one saying I didn't receive it so when I found out I did the error by my bank I requested to reopen the claim so I can do it the correct way and I was told by my bank that they could not reopen the claim that I needed to take this up with Paypal and the seller since I have a tracking number proving I returned the merchandise back to the seller. I contacted Paypal numerous times to let them know they need to request that this seller gives me a refund since I sent the merchandise back and they have not been compliant at all in my favor to get my refund of {$240.00} even though I have proof and have told them the bank has referred me back to them. Their stance on the matter is that I opened the claim with my bank so I have to go through them and the bank said I should go to them. I feel I have been ripped off for {$240.00} for merchandise I have returned due to it being defective and I am already going through financial hardship due to the pandemic I do not have money for anyone to just take from me. All I want is my refund of {$240.00} that I spent because I returned the merchandise back and have tracking information from XXXX that the seller received it and signed for it on XX/XX/2020 its been 2 months i have been trying to get my money back from this seller through paypal.
Consumer complaint received 2017-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Before I decided to apply for a heloc loan I asked the coordinator I a seven year old bankruptcy was going to be a problem. He advised me that a bankruptcy was only looked at for the first four years. That a seven year old bankruptcy would not be a problem. So I proceeded the application process. I also checked with my local chase bank heloc, I was asked personal question like what race was i and sex I considered myself. information person and received the same information and I would need at least a XXXX credit score, Then after checking my credit report the seven year old bankruptcy was shown and my credit score was still a XXXX. No problem right? I was denied the heloc loan and was told the reason was the bankruptcy on my report. The double talk I received the chase bank leads me to believe I am being discriminated against for race or sex.
Consumer complaint received 2017-11-02
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. (VA)

Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to Department of Ed. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the Dept of Ed. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
Consumer complaint received 2021-11-23
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. (TN)

None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

On XXXX, I received a notice of the claimed debt from AMCOL Systems, a copy of which is attatched. I never gave them permission to communicate with me to begin with. In this notice it was stated that AMCOL Systems was a attempting to collect a debt ad AMCOL Systems is a debt collector. 

On XXXX, I disputed the notice as a informed consumer who knows his rights and the Federal Fair Collection Practices Act and Fair Credit Reporting Act related to consumer privacy and statues. I instructed AMCOL Systems to cease collection of the debt. 

On XXXX, I received another notice from AMCOL Systems stating that they were closing the account. 

On XXXX, I sent AMCOL Systems an Affidavit of Truth stating everything that occurred and the violations of my rights as a consumer. The total amount of monetary relief was also stated in this affidavit with a time frame to resolve this matter.

The actions of Amcol Systems of violating my rights as a consumer is not a small matter. By them closing the case is an act of admittance constitutes a civil liability on part of AMCOL Systems and I am invoking my consumer right to specified remedy. Im demanding compensation for each violation of federal law by AMCOL Systems of {$8000.00}
Consumer complaint received 2021-01-29
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MD)

I requested to have a 30 day credit remark removed from my credit report due to a banking error as well as several error 's on the company 's behalf from XXXX 2020. I made the payment within the 30 day window but it was processed outside of the 3 day timeframe the company mentioned. The payment was rejected and I was notified by my bank. I attempted to correct the payment within the 30 day period on the XXXX day but the automated system was not accepting payments. Not to mention we are in the mist of a pandemic where there is a stay in place order and making a payment by any means is not easy. I made another attempt on the XXXX day which was not credited until the XXXX day. Causing the account to be 31 days past due and a negative remark on my credit. This remark is not fair to the consumer as it drops your score significantly for at least a 2 year period up to 7 years. This is not the case for business reporting. It impacts the consumer through higher interest rate on anything purchased and unfavorable loan conditions which really financially hurt the consumer over a long period of time. I understand the company has to report accuracies under the FCRA guidelines. However, to not have any other options when there is an issue and to have this great of impact is not equal and a violation of rights. This needs to be addressed overall because this really puts additional financial burden on consumers during a time of uncertainty when it was really a not the consumer 's fault solely.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

On XXXX/XXXX/XXXX, cashcentral withdrew {$610.00} from my checking account. I revoked all ACH transactions on XXXX/XXXX/XXXX. I called the company and they agreed to return my money because I had revoked ACH and they went against it. I called them on XXXX/XXXX/XXXX. I have been calling everyday since then to figure out when my payment will be refunded. They had me send them a bank statement showing it cleared, which I did on XXXX/XXXX/XXXX. I can not pay my rent due to this mess up. I am going to get charged late fees and essentially kicked out of my home because of this. I just want my refund.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I received a direct deposit from my job on the XXXX of XX/XX/2021 my bank stole my whole paycheck and said they did so because I didnt have funds in my account for 5 XXXX XXXX Transaction and a XXXX XXXX meal i they also claimed that my cell phone payment didnt clear either all of it was a lie I had an estimate of XXXX in my account when my payment was made for the cellphone bill which was immediately debited from my account I called XXXX they also said that money was immediately debited Wells Fargo was very rude and when I told them and said well Im only returning the over draft fee when they were caught in the lie also the lie about my XXXX XXXX stating that there was no money in my account and told me to call XXXX XXXX  so I called XXXX XXXX on XX/XX/2021 and the agent told me that this is shocking that my bank did this the agent also stated that XXXX XXXX is immediately debited from your account they dont use 2day hold the money is immediately debited from my checking account and if there is no funds in the account it will be declined for XXXX XXXX the agent at XXXX stated the money is instantly sent to the recipient like exchanging cash from hand to hand she also stated that if the account do not have the funds the sender is sending from checking account it will not go through even if I have overdraft protection it wont go through which I do not and never had over draft protection on my account if funds are not in the account then I can not make purchases of any kind on XXXX transactions restaurants stores or no where but well Fargo will still use treachery bank practices to steal money out of my account Im a XXXX worker my daughter contacted XXXX at the worst time in my life my bank Wells Fargo decided to ruin my life not only have I been out of work taking care of my sick child but they stole my last paycheck I received after being out of work taking care of my daughter with XXXX I could not buy disinfect products and they caused me to be stranded at my kids doctors office because they decided to steal all of my money after I booked a XXXX  ride to my doctors office for my daughter XXXX appointment Im disgusted with the cold and callous actions of this bank Wells Fargo and its not the first time I want to file a complaint and a law suit against this bank
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Brightfunders, LLC (AL)

On XX/XX/XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XX/XX/XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX Balance : {$2600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

Chase closed my account and sent a check to me for my balance. 
Now I get a 1099-not showing that I received a bank account bonus and interest that was taken back! 
If I never received the income then I shouldn't have to pay taxes on it!
Consumer complaint received 2017-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

My XXXX and XXXX Perkins loans are serviced through ACS, now XXXX. I have been working as a XXXX XXXX for the last three years and prior to that as a XXXX XXXX, and as such my Perkins loans qualify for cancellation. I have supplied adequate documentation annually to ACS, and every year there is great difficulty in obtaining my loan cancellation. Again this year I have submitted the proper paperwork and ACS continues to request further documentation. This documentation continues to place an unnecessary step in the cancellation process as I have already provided the information requested to process the cancellation.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me XXXX  of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Consumer complaint received 2017-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I make a double payment to my HELOC loan each month ; one to cover the payment due plus extra for principal and one that is just put towards principal. 

On XXXX XXXX, I was notified by my bank that my payment had been refunded to my bank for the reason that my account was closed. I immediately called XXXX XXXX, the holder of the loan to inquire the reasoning behind this. They informed me that their loans were now being serviced by XXXX XXXX XXXX XXXX XXXX. 

I then called SLS, Inc. and retrieved all of my account information, set it up in auto-pay with my bank bill pay service and thought everything was taken care of. 

In XXXX, I was informed by SLS that outstanding payments were due from XXXX ( of which I have documentation that they were credited to our XXXX account ). In addition, they were not receiving payments from my bank. Although my bank had been sending them, and monies had been taken out of them. 

Sometime in XXXX as well, I was notified by my bank that SLS had refunded monies sent to them because they did n't know who I was or what account to be crediting the payments to. 

SLS has accepted several payments and I believe credited those payments to our loan, however, last week I received a notice of default. 

After many calls to them, this issue remains unresolved. I am incredibly frustrated with them and fear that their incompetence will impact my credit.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OK)

I've been incarcerated at the XXXX XXXX XXXX XXXX at XXXX. XXXX  XXXX XXXX, OK XXXX in the Oklahoma Department of corrections since XX/XX/XXXX at no time did I ever apply for the Guitar Center Credit Card Synchrony Bank. I've been a victim of Identity theft, at no time was this credit card sent to the above address on file. I've disputed this item with synchrony bank two times, both times I was denied. On XX/XX/XXXX the 2nd was just denied to too the fact the company says its a valid claim without doing a proper investigation with would clearly shows that I've been incarcerated in the Oklahoma Department of corrections which can easily be verified had the investigators properly took my situation seriously then there would've been no doubt that from the record it will show that I could not had applied for this account, that I was a victim of Identity theft. I have attached documents that shows when I stated my time, a copy of my prison ID, a Letter from my case manager from the Oklahoma Department of corrections, my 2nd dispute letter in reference to my dispute.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I received a letter from the company that my loan had been paid off. I was to receive a refund for the unused portion of a service contract and extended warranty. I was told by the dealer that sold me the new vehicle that it would be four to six weeks to receive my refunds. It has been eight weeks since the payoff letter was received which was about two weeks after the loan was actually paid off. In other words it has been about ten weeks since the payoff was done. I have contacted the company at least three times by phone, once through the local dealer and twice directly to the home office financing department. I received one of the refunds about two weeks ago but was told at that time the other check was pending. The pending check is for approximately {$3000.00} and I am having to pay interest on that amount since a credit card was used to make the down payment on the loan. I want my refund to pay off the credit card to save interest.