davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Dear CFPB, I am writing to file a complaint against PayPal regarding an issue I had with a transaction on the XXXX platform. 

On XX/XX/year>, I was contacted by a buyer through the XXXX website who wanted to purchase XXXX of my music discs. I provided the buyer with photos of the item 's condition and my PayPal email address to facilitate the payment. It's important to note that I was selling this disc as a private individual and did not have it listed for sale anywhere. 

Subsequently, the buyer claims to have received the disc in a scratched condition and now wants to return it. In essence, the buyer has damaged the disc ( potentially even copying it ) and is now attempting to send it back to me, treating me as the seller, and PayPal has supported this by freezing the funds in my account. 

I believe this is an unfair and unethical practice by PayPal, as I was not the actual seller of the item and should not be held responsible for the buyer 's actions. I have tried to resolve this issue with PayPal 's customer support, but they have not been helpful in addressing my concerns. 

I would greatly appreciate if the CFPB could investigate this matter and provide guidance on how to proceed. I am seeking a fair resolution that does not penalize me for a transaction I did not initiate as a seller. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The loan servicing of our first mortgage was sold by XXXX to Nationstar Mortgage in XX/XX/XXXX. Our XX/XX/XXXX payment was lost in the transition. XXXX has acknowledged that they received our payment on XX/XX/XXXX, and then sent the payment to Nationstar on XX/XX/XXXX. Nationstar claims they never got it. We have been a month behind with Nationstar ever since. Additionally, we have been paying above the required payment amount, yet Nationstar has not been applying that to principal as is common practice. They have been putting the money in a suspense account. Unless I ask them to, they do not apply it. I have called Nationstar XXXX times ; sent emails XXXX times, including filing a claim with them for the lost payment. A subsequent call to their Customer Service department said our claim was declined, although I never received any correspondence to that effect. We are getting saturated with late payment collection calls ( almost daily ) and notices about how they can help if we ca n't make payments. Totally not the issue here. 
My last conversation with them was on XX/XX/XXXX. My mortgage broker and I tried to work our way up the food chain - c/s rep, c/s supv ... - landing on a c/s manager named XXXX. XXXX promised a call back on Monday XX/XX/XXXX @ XXXX a.m. with response after speaking with his Vice President. On XX/XX/XXXX, I called and asked for him. Either he was n't there or was n't taking calls, nobody was sure, nor did them seem to even know who this guy is. To date I have made numerous attempts to resolve this with Nationstar. At minimum, they should bring ouraccount current as they have the confirmation from the prior servicer that my loan payment was received. What they do in the background to get their money is for them to do and not in any way affect my/our status and credit. Of note : because of this payment being " misplaced, '' our XXXX for XX/XX/XXXX will now be incorrect and I fear XX/XX/XXXX reporting will not be accurate as a result.
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (WA)

Hello, This incident happened on XX/XX/year>, IQ Data called me XXXX. I spoke with management, XXXX XXXX. He threatened to take my Birthdate and Social Security number and take money out of my banking account. As far as I have researched, they have to have a Judgement from the courts. I told them I was going to make a complaint. The landlord and I had a mutual agreement to vacate premises. I do have proof of the agreement in a e-mail. I just don't have my computer up. XXXX at XXXX is a filthy environment, drinking water that is unsafe! that I was not able to live. When I left I was homeless and still is. I had no address to sent anything too. I asked for that information from IQ Data and was denied. I asked for a dispute form and was denied. I don't believe that is not the way to conduct business when trying to collect money from me. I would like my debt to be extinguished for the misbehavior of this company. They should have consequence for their Words! 
Thank you. 

XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CT)

I paid my Venmo credit card balance ( synchrony bank ) on XX/XX/year> of the full amount of roughly {$950.00}. On XX/XX/year> these funds were removed form my bank and were posted and cleared to my account. Unfortunately synchrony bank is locking my full available credit of {$900.00} for 14 days now until XX/XX/year> even though they have been paid, received my money, taken my money, and have no recourse to even dispute of stop payment on this charge. They explained it was due to my unusual high payment amount..I paid the balance in full which is absolutely absurd. They have no option but now to wait 10 more days even thought they have taken my money and still are not unlocking my credit available on this account. This is simply not right and not remotely justified practice of taking someones payment then withholding possible credit even after being paid for that credit.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MI)

I received a new credit card from Chase Bank in XX/XX/XXXX with a credit limit of {$500.00}. I used {$480.00} of that limit and paid the balance in full on XX/XX/XXXX in order to establish a good payment history. My payment cleared my credit union account on XX/XX/XXXX, however when attempting to use the card after the payment cleared my credit union account, my Chase card is showing a {$0.00} balance, a credit limit of {$500.00}, but an available amount of {$15.00}. I contacted Chase Bank on XX/XX/XXXX and after being transferred 4 times between offshore representatives, I finally reached a state side representative who told me that Chase placed a 'payment hold ' on my card because I opted to make my first payment one week before the due date and made a full payment of what was owed instead of the minimum payment of {$40.00}. I was also told that the {$480.00} payment made was considered by Chase as a 'large payment ' despite my total credit limit being only {$500.00}, and that the 'payment hold ' was put into place to prevent the possibility of 'money laundering '. What an insult! I was also told that Chase will continue to place 'payment holds ' on my card until the account is no longer new. I was told that a 'payment hold ' would NOT be placed if I make only the monthly minimum payment of {$40.00} on the XXXX of each month. This makes no sense. The fact that Chase bank basically labeled me ... ..a XXXX old woman, as a 'possible money launderer ' for opting to pay back the amount that I used relating to the card is totally mind boggling and discrimatory.
Consumer complaint received 2024-08-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc. (TX)

I've attached the FTC Identity Theft report referencing the Nationstar Mortgage, LLC fraudulent FHA real estate loan that Nationstar Mortgage , LLC is threatening to foreclose. 

Nationstar and XXXX  XXXX XXXX conspired to reinstate or create a new FHA loan using my personal information without my consent or knowledge. I have vehemently disputed this fraudulent loan and it was removed from my credit reports in XX/XX/year>.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I was a victim of unauthorized charges. i regained access to my account. 
i checked most recent transactions dating back 6 month period. I noticed multiple unauthorized transactions. I immediately contacted company/bank to file dispute close account and report fraud. 
I already recently had tgree bureaus alerted to victim of compromised accounts as well as victim of identity theft. I have active fraud alerts. I have no knowledge of the reported transactions in dispute status.
Consumer complaint received 2023-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

My XXXX XXXX XXXX XXXX loan opened on XXXX is missing and is not being reported on my Experian credit report, however, is being corrected reported on my XXXX, XXXX reports. This is negatively affecting my character and finances. 

I have contacted XXXX XXXX and Experian multiple times to try to correct this issue. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed that they are accurately reporting the account to all consumer reporting agencies, including Experian ( see attached letter ). 

As of XXXX XXXX XXXX XXXX XXXX last reported Experian on XX/XX/2023, showing account as current and open. XXXX XXXX XXXX XXXX  have previously sent a reinsertion request to Experian on XXXX, and Experian reportedly, stated the account is " purged from their system and is no longer eligible to report. '' Past responses Experian stated they wanted from please provide your specific disputes, full name, including middle initial ( and generation such as XXXX, XXXX, XXXX, XXXX ), current and previous addresses for the past two years, full Social Security number and date of birth. I have mailed in numerous letters to Experian with all the required information, and I have yet to see a change. 

My XXXX XXXX XXXX XXXX  account is still currently open, and I would like to know why Experian purged this from their system and is no longer eligible to report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MA)

I want to dispute an account on my Innovis Credit report called The XXXX XXXX XXXX : Individual School Loan Account # XXXX. Account status is charge off date opened XX/XX/XXXX and date closed XX/XX/XXXX with an original balance of {$9900.00}. On my Innovis credit report, it says that this account is scheduled to be removed in XX/XX/XXXX. This account should not be on my credit report because I had the Presidential Scholarship and the XXXX XXXX XXXX when I went to the XXXX XXXX XXXX. I did not take out a personal loan or a parent plus loan. Ive actually already consolidated my loans with XXXX and the U.S. Department of Education as it reflects on my FAFSA at student federalsudentAid.gov. I will include a copy of my U.S. Passport, Massachusetts ID card, Social Security Card. Lastly, I will also include a page from my Innovis credit report where it says that this account will be deleted XX/XX/XXXX to help prove that this account is actually in fact on my Innovis credit report.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TN)

XXXX XXXX - open XXXX XXXX - closed/chargeoff XXXX/XXXX  - open XXXX XXXX - Status - paid /closed Westlake Portfolio XXXX - open In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MD)

Between the years XXXX and XX/XX/XXXX, I received a direct deposit of {$450.00} into my account on a weekly basis. However, in XXXX, the amount was increased and changed to a biweekly direct deposit. As per my account type, I am exempt from all fees as long as I maintain a monthly direct deposit of more than {$250.00}. Despite this, the bank has been charging me a monthly fee of {$4.00} since XXXX. 

I have reached out to the bank to request a refund of all the fees that have been charged to my account. Initially, I was informed that only XXXX of the fees could be refunded. Subsequently, I escalated the matter and was assured by the escalation department that the back office would process a refund of all the fees within XXXX to XXXX hours. However, it has now been XXXX days since this conversation, and I have not received any refund or communication from the bank. 

I believe that these practices employed by the financial institution are unfair and deceptive. There was no need for these fees to be charged to my account in the first place. I kindly request your urgent attention to this matter and expect a prompt resolution, including a full refund of all the fees that have been unjustifiably charged to my account.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (IL)

On or about XX/XX/XXXX affirm put several account on my report after almost 2 years of disputing they finally removed wrong information except 1. I told them this was identity theft did not have no knowledge of this also on XX/XX/XXXX sent police report. They never responded back to me they choose to ignore my letters. After almost 2 years and contacting an attorney they finally responded on XX/XX/XXXX that they found it in my favor and accounts dont belong to me so they removed them. On XX/XX/XXXX I sent a letter to them that one has not been removed again no responds. On XX/XX/XXXX I call spoke to supervisor. He told me he has no information that he will escalate the matter. On XX/XX/XXXX. I get a respond from affirm that. The account XXXX  belongs to me. But how? Was that even investigated that quick in 2 days. I have yet not received any contracts any copy of social security card any copy of picture I.D . To open credit with affirm. And before receiving credit with affirm they ask for picture id to be uploaded but yet they cant send me a copy of mine if it is me. Now comes the illegal part. This was charged off on XX/XX/XXXX and to this day they are re-aging the account so the clock starts over every month. That is a very serious offense this needs to be removed from my report if proper documentation cant be provided
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (WA)

I have asked for proof of verification on this account with Spring oakes they have not provided it they have only validated this debt. I demand these 13 items of proof from the company or I will sue for damages.

1.I want proof that I even own the account.

2. I want proof that you spring oakes has the authority to collect debts in Washington state.

3. I want proof that spring oakes carries a bond. 
XXXX. Proof how Spring oakes assessed the out standing debt.

5. Payment history from the original creditor.

6. I want name and address from the original creditor.

7. I want a copy of the original contract with my signature in wet ink.

8. Chain of title on the debt.

9. Proof you can collect this debt from me.

10. Do you own it or is it a debt assigned to you 11. Copies of all letters sent to me from you and the original creditor. 
XXXX. How much did you buy the debt for if you bought the debt.

13.When was the date of the last payment made on this debt.

You must cease all collection efforts until you can send me sufficient proof of everything listed above.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a credit card in XXXX through suntrust bank to pay for a home repair. I Paid off the balance of that card in XX/XX/XXXX. Apparently the credit card was bought out by Truist Bank. I was never made aware of these changes. I have not used the card since I paid it off. XXXX XXXX alerted me of a delinquent account this month. After further review, I noted Fraudulent charges occurred on this credit card XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to close the account and file dispute paperwork through the fraud department. I spoke to both the fraud department and the account department. Paperwork was supposed to be sent to me to dispute charges, and the account was supposed to have been closed at that time. I never received any confirmation from Truist about these interactions via email or postal. I called again on XX/XX/XXXX for written confirmation. The account was never closed and the fraud department claimed they couldn't even find the account. All I got was a run around and the account which was supposed to have been closed was still open for criminals to continue to use.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

This is a follow-up on my earlier complaint with CFPB ( Complaint # XXXX ). 

On XX/XX/XXXX I called Goldman Sachs / Apple Card Services to make payments to my account since I had been unable to access account since XX/XX/XXXX after I called to dispute the error on my credit card statement. I also requested my XXXX credit card statement to be sent to my address since I couldn't access it ( given no access to my account online or on the apple wallet ). 

I received my XXXX credit card statement on XX/XX/XXXX. Upon review, I noted the following : 1. My XXXX balance is still showing that I purchased 2 ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX instead of 1 ( one ) XXXX that I purchased per Order # XXXX. 

2. I was charged an interest fee of {$22.00} based on the erroneous balance of {$1200.00} ( this has been incorrect since XX/XX/XXXX when Apple/Goldman added a product that I did not purchase on my balance ). 

It has been over 2 months since I notified Apple/Goldman Sachs about the error on my credit card statement but they have refused to update my statement and continue to charge my interest fees for an amount that I do not owe, and to report an incorrect balance to the credit bureaus. I have attached the following : - a copy of the XX/XX/XXXX credit card statement, - a copy of the XX/XX/XXXX credit card statement, - a confirmation for the XXXX purchase referenced ( Order # XXXX ) - a confirmation of the successful trade-in per Order # XXXX
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (OH)

Franklin collections has been reposting the same debt every two days with XXXX. I tried to contact them and was told they are posting a monthly check up, I sent proof they are hitting my credit literally every two days since XXXX and no one will answer me or even give me a working phone number to speak to a live person. I have only been able to make contact through email.