davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (PA)

I have been using MoneyLion for roughly a year and a half now. I like it for Its XXXX Feature and thats where all the good things end. Ive only had XXXX loans. My first XXXX were OK no issues. But then my third loan was paid out late. I had to call customer service numerous times for them to escalate it so that I get paid out on it. And all they could do is escalate it, they had no communication with anyone who actually worked on the case itself : Figuring out what held my loan from being paid back to me, and why it was on hold in the first place were questions they refused to answer. I didnt really care afterwards after my XXXX loan because I got my money. However, I didnt Expect them to not pay me at all for my XXXX and last loan. I was told that I would be paid my loan by XX/XX/XXXX, and its now been over a month since Ive paid off my loan and they havent released my funds from my credit reserve within their financial app. Customer service is XXXX. Their customer service reps are even more XXXX. No matter how many times I called back got a new rep or even got The same rep. All they could do was escalate My situation. Every time I ask for a supervisor, they could only do as much as the person who answered the phone the first time. Anyways, After having XXXX supervisors escalate the situation, I was ONLY reached by email by a customer advocate who is supposed to help, but told me the exact same thing as everybody else. Which was there was an investigation going on or there was something in the system causing an error ; the same excuse, different person.
Consumer complaint received 2023-03-20
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. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

My is mortgage company is raising my escrow payments by {$500.00} a month due to a shortage that doesnt make any sense. I have never missed a payment and now they are saying I owe them over {$5000.00}. There is nothing on their website that shows me where this amount came from and there was no shortage as of last year ( which makes this even more confusing since my total taxes and insurance have an annual total less than what this new shortage is ). This company bought out my loan from my original mortgage company and the only way to contact them is through an online chat which randomly gets closed most of the time you use it.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

It was XX/XX/XXXX that my account is permanently limit XXXX  and i have a XXXX in that account.. 
And he ask me to upload my id and i upload it.and my account is permanently limit without any valid reasonXXXX 

Can you please help me to remove permanently limit in my paypal account?? pleaseXXXX
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (WA)

In XX/XX/2024 I applied for and received a XXXX citizen exemption from the county for our real estate taxes. I received a new tax statement reflecting the new annual tax amount, almost half of what it was before the exemption. I called Mr Cooper and they gave me an address to send the statement. Shortly thereafter I received an escrow analysis showing the new loan payment, a reduction of about {$300.00} per month. I also received a check for almost {$800.00} as an escrow surplus. So far so good. Then around the first of XXXX I received another escrow analysis showing an escrow shortage of over {$900.00} and increasing our payment by about {$300.00} effective XX/XX/XXXX. In examining the analysis I saw that Mr Cooper pad the XXXX  exemption tax rather than the lower XXXX exemption. Our XXXX XXXX website showed an overpayment of about {$920.00} and a refund for that amount. Contacting Mr Cooper I was told that they could do nothing until they received the refund and they expected the refund to be received XX/XX/XXXX, which would force me to pay the higher amount for XXXX. I contacted our county assessors office and was told the refund had been sent XX/XX/XXXX, so Mr Cooper already has it. My refund was part of a check for ver {$400000.00} refunding overpayments to other XXXX XXXX borrowers! Mr Cooper still says they dont have the refund and are doing nothing.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account JEFFERSON CAPITAL SYST ( Account Number : XXXX, Original Creditor : XXXX. Date Opened : XX/XX/year>. XXXX {$2300.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX and I do not have any contract with JEFFERSON CAPITAL SYST. 
I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (TX)

I reached out to see about payment plan options that will pay the debt over time. The company advertises these types of option. I was refused. I asked to stop ach payment and they refused. I did multiple chats and each rep said no.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

XXXX XXXX 2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint against JEFFERSON CAPITAL SYSTEMS for Violations of Consumer Financial Protection Laws To Whom It May Concern, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS for multiple violations of consumer financial protection laws, specifically as outlined below : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : JEFFERSON CAPITAL SYSTEMS has placed a collection account on my consumer report without providing any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation or verification of the debt, despite it negatively impacting my credit report. 

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). JEFFERSON CAPITAL SYSTEMS failed to notify me of my right to dispute the debt and has not responded to my requests for verification. 

Use of False, Misleading, and Deceptive Means : JEFFERSON CAPITAL SYSTEMS has engaged in practices that are false, misleading, and deceptive in attempting to collect this debt. They have provided no substantiation of the debt 's validity and continue to report it inaccurately to consumer reporting agencies. 

Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : JEFFERSON CAPITAL SYSTEMS has furnished information about this account to consumer reporting agencies without providing required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). This action is in clear violation of federal law governing the accurate reporting of consumer credit information. 

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against JEFFERSON CAPITAL SYSTEMS. I am seeking resolution of this matter, including but not limited to : Verification of the debt in question and its removal from my credit report if not substantiated. 
Correction of any inaccuracies in reporting to consumer reporting agencies. 
Any other relief deemed necessary to rectify the harm caused by JEFFERSON CAPITAL SYSTEMS ' actions. 
Enclosed are copies of relevant documents, including communications with JEFFERSON CAPITAL SYSTEMS and any correspondence related to this debt. 

Thank you for your prompt attention to this matter. Please contact me if further information is needed.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (NH)

XXXX XXXX XXXX publicly advertises on its web site that : " Escrow.com will charge your credit card transactions as ordinary purchases. '' However, after Wells Fargo and XXXX charged my credit card purchase as a cash advance, XXXX then stated : " We want to assure you that XXXX does not have control over how financial institutions categorize transactions, such as whether they are processed as purchases or cash advances. This decision is solely determined by your bank 's policies and systems. '' Wells Fargo Bank then claims that : " Please understand that Wells Fargo does not have the ability to control how a merchant chooses to classify their business transactions. '' XXXX Wells Fargo Bank is lying when they claim they can't control how the merchant chooses to classify their transactions, or XXXX is lying when they claim they do not have control over how financial institutions categorize transactions. 

Either way, if a merchant publicly advertises that a transaction will be handled as a purchase, and not a cash advance, then BOTH the merchant, AND the bank, should honor the advertised policy.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (FL)

Goldman Sachs bank USA. XXXX XXXX. Got inaccurate information form my XXXX  consumer report without my authorization. They did not notify me of this action. If I were notified before they made a wrongful decision. I wouldve let them no I was in litigation with XXXX and the company that put a collection on my report that was inaccurate. Goldman Sachs made a decision of off inaccurate information. The issue got resolved with XXXX and the company which lead to that collection being closed on my report. This was one of the reasons they lowered it. But it was the first reason. Also they say I have multiple inquiries which is false cause I only have 2. Which was. Another reason
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 

XXXX : XXXX XX/XX/XXXX- XX/XX/XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My rights enacted by the FCRA, FCBA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

DATE : XX/XX/2018, LOAN AMOUNT {$1300.00} AND {$2000.00} THIS LOAN SHOULD HAVE BEEN A XXXX BALANCE. THIS LOAN WAS ALSO TRANSFER TO ANOTHER LENDER ( XXXX ) WHICH I AM ALREADY MAKING PAYMENTS TO
Consumer complaint received 2024-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc. (NV)

I received an offer from my current motgage lender Mr. Cooper for a home equity loan and started the process and provided all the documents then XXXX XXXX the loan agent said I need to take my home out of trust for a month as they don't do that but inorder to complete the loan they need to have me do it. I hired my attorney to do it for me and when I tried to reach XXXX XXXX, his assistant XXXX and his manager XXXX and his back up XXXX by text, emails, and calls I could not get a response. Finally I contacted my first mortgage loan people and they got XXXX to call me back. XXXX XXXX even got calls and texts and emails from me before he took a week vacation and still no word. XXXX promised me this would be done by mid-XXXX since I had provided all the documents and once the property was out of trust it was ready. The truth per XXXX is they need my home out of trust for six months and can not do the loan until XXXX or later. I feel they lied and their tactics were fraudulent and deceitful. I now must find a different lender to get this home equity loan done.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma (MD)

I use the credit karma app to dispute my transunion credit report. I previously opened a case/Dispute File Number : XXXX was opened on XX/XX/year> and is still open with no response. Can we close this dispute so i can dispute another transaction please? It was supposed to be completed by XX/XX/year>. This was against " XXXX XXXX. '' Please close this dispute so i can open others. Thank you. The lender is showing incorrect information and not responding in 30 days. Please credit karma close this dispute. I will utilize XXXX and cfpb ; then attorneys or more important people to dispute the non responsive " XXXX XXXX ''. Please close the credit karma dispute so i can utilize it against another issue on my report. Thank you.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (SD)

Around noon yesterday, I logged into Barclay 's to make a payment. I entered the payment information, and it took me to confirmation page. I realized that I needed to move money into my checking account first, so I DID NOT CONFIRM THE TRANSACTION. I DID NOT PROCEED.

Later in the day, I returned to my computer and found the Barclay 's web page had timed me out. I logged back in, re-entered my information, and confirmed transaction.

I CONFIRMED A TOTAL OF ONE PAYMENTS. I DID NOT CONFIRM TWO PAYMENTS. WHY WOULD I MAKE TWO IDENTICAL PAYMENTS?

I called Barclays and asked that they waive any fees associated with second payment being returned by my checking account bank. I asked that they remove any derogatory information from my account related to the duplicate payment being returned by my bank. The Barclay 's agent said there was nothing she could do - despite the problem arising BECAUSE THEIR WEB SITE PROCEEDED WITH A TRANSACTION THAT WAS NOT COMPLETED.
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I called today, XX/XX/XXXX to discuss my account because I was notified by my credit report that an account was closed. I called and the first lady that I spoke to advise me that it was closed due to inactivity and they sent a notification in XX/XX/year> notifying me that the account will be closing. She then advised me that it was closed on XX/XX/XXXX and once the account is closed that they can not reopened it. I asked for a supervisor and the supervisor said she was unable to, see that any email or letter was sent out to me notifying me that my account was closed. I feel like this is unfair and deceptive practices because no one ever notify me that they were closing my account or a warning letter to start using my card again. When I spoke to the supervisor I asked how is the closure Reporting on my credit report as close by guarantor because that could negatively impact my credit score and look like I can not take care of my credit card business if a bank made the decision to close my account. I asked for a copy of the closure letter and the supervisor advised that shes unable to find one that ever sent. I think that this is unfair that they did not notify me. I am requesting that account be reinstated and my credit bureau is updated to show that the account is open. If they can not honor my request than they need to produce a copy of the letter sent in XXXX and proof they notified me
Consumer complaint received 2020-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I've been a homeowner since XXXX inspit of working to make minimum wage. My original mortgage was with Wells Fargo in XXXX under a special program. Within 3yrs I had to refinance in XXXX with Wells Fargo and again in XXXX. However, in XXXX Wells Fargo put me in a 40yr Adjustable Rate ( I just recently found out when they initiated the foreclosure process ) I immediately filed a complaint with Wells Fargo for " Predatory Lending '' in the branch and w/ XXXX XXXX over the phone on XX/XX/XXXX. I was told they would expedite my concerns. I never got a Satisfactory Resolution and my property was Sold By Foreclosure Attorney XXXX XXXX XXXX XXXX on XXXX. Wells Fargo simply ignored my Valid Claim of Predatory Lending. I'm without funds to afford an attorney to fight for me.