davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

My business ( XXXX XXXX XXXX XXXX ) is in the process of a buildout for a move to a new office location. XXXX is a vendor we've been working with. They are providing several things for our upcoming move. This transaction was related to the lighting for our XXXX XXXX. It is a division of XXXX called XXXX XXXX. My XXXX needed the products within the next couple of weeks so I needed to complete payment so they would ship the product. My contact at XXXX for this part of the project is XXXX XXXX. Also copied on the communication is someone at XXXX named XXXX XXXX. XXXX emailed me on XX/XX/XXXX to send the invoice and see if I had any questions before payment. XXXX minutes later I received another email that appeared to also be from XXXX XXXX. This one had the same display name, logos, and email signature, but apparently was fraudulent. The fraudulent email was even attached to the real email in the same email thread. This email asked to send ACH details. I responded that they could go ahead and send the ACH details, and the next email provided those details. Unfortunately, we did send the full amount, {$51000.00}, by wire transfer. We did not find out about the fraud until Friday, XX/XX/XXXX, when XXXX called our office asking about the payment. 
We have reported this to the XXXX police department, and have also filed it with the FBI at XXXX and have filed a report with the XXXX XXXX. We contacted our bank, XXXX XXXX, immediately when we realized the issue, and our banker tried to recall the funds but since it had been a couple weeks she was unable to recall them. She told us she was contacting the receiving bank, Chase Bank, to see if they can do anything but they could not or would not recover the funds. When I tried to call Chase Bank about this issue I was told they would not discuss it with me and would only communicate with my bank. I feel that since the person committing this crime was using a Chase Bank account to receive the money Chase Bank should be willing to find a way to recover the funds and help us. 

Thank you in advance for anything you may be able to do to help us recover this money. We are not part of one of the big national chains. We are an XXXX XXXX XXXX, so a financial loss of this amount is devastating to us. If there is any additional information that would be helpful do not hesitate to contact me.
Consumer complaint received 2023-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I had a mortgage with Wells Fargo. Wells Fargo put me in a loan modification when it was not needed. Wells Fargo also failed to place my payments in its appropriate accounts which always had my account in default and always in foreclosure status. WFC never applied my mortgage payment accordingly and always had my escrow in a negative status. I am reaching out to your company for loan modification issues, payment process issues, payment account issues, as well as escrow issues with Wells Fargo mortgage company.
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I've been set up auto pay bi weekly since XXXX On XX/XX/XXXX I had low fund in bank account bc i was married and in process of create a new joint account. Specialized Loan Services SLSXXXX called and let me know about the insufficient fund. 
- XX/XX/XXXX : SLS took my payment over the phone, they told me to pay XXXX and XX/XX/XXXX. Amount XXXX Then call back next day, they would re establish bi weekly mortgage. they will waive {$25.00} insufficent fee as courtesy. XXXX XXXX would call back to continue set up bi weekly - XX/XX/XXXX, XXXX : XXXX never called back. when i called XXXX said i needed to pay another month on XXXX. 
Although tired of them but i paid another {$900.00} for XXXX XXXX told me call back next day to set up bi weekly They made it clear that they only need 1 month ahead but So fAR I paid 3 times mortgages but still being told " call back next day to set up bi weekly ". 

XXXX I called again, talked to 2 agents, they told me i have to pay another month and call back next day to set up bi weekly. I asked for supervisor and was told he/ she not avail until next week!!! 

This company is horrible lack of training and poor knowledge, too much " aaaa, .... o .... u ... " broken up words bc they did not know hiw to except telling me pay again and call back next day again and again. 

- Another issue : they read disclosure too long and too confused, too long before answering. Poor audio bad disconnection all the times
Consumer complaint received 2023-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I've been dealing with Identity Theft since XXXX, XXXX. My Emails were hacked, and I immediately contacted Wells Fargo and had my checking account, my Retirement Savings, and my newly received Wells Fargo Charge Card deactivated and disabled. Still, Wells Fargo and their mismanagement of my accounts allowed {$8800.00} of my monies to be removed in a fraudulent manner, after I had everything in place to prevent this. Consumer Finance Protection Agency, Office of the Comptroller of the Currency, and the FDIC Consumer Response Unit are in Custody of my claims against Wells Fargo. Of all the Banks, Credit Card Companies, etc. that have been involved in my Identity Theft, Wells Fargo has been the ONLY Financial Institution that has been so difficult, next to impossible to work with. Wells Fargo is not a Customer Oriented nor Customer Friendly Company. 
I have an XXXX XXXX XXXX XXXX who has been working " hand in hand '' with myself relevant to my Case. I contacted Wells Fargo and made them aware of this. Wells Fargo instructed me to send them a notarized Power of Attorney to validate this. Therefore my Fraud Restoration Specialist would have access to my accounts as authorized by myself. I, of course, submitted the necessary paperwork to Wells Fargo. 
XXXX XXXX XXXX XXXX My Case XXXX XXXX XXXX  XXXX  ID Restoration. 
I immediately complied with the requests of Wells Fargo -- - and still Wells Fargo doesn't allow my appointed person and Company, to have access to my information to seek proper resolution. 
So ironic, is the fact that Wells Fargo basically shut me out of my accounts, for several months and refused to give me access to my accounts -- even with proper ID, yet seemed to give these identity thieves free access to drain all my retirement monies, even after I had everything set in place to prevent this.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc. (MD)

I am writing to express concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and the Title VI Consumer Protection Act Law 15 U.S.C. 1681-1681x by Happy Money . Specifically, I am concerned about your credit reporting practices, which may include reporting payment delinquencies after the payment has been processed, rather than based on the date the payment has been received and Happy Money waiting to properly credited to the account. Moreover, it takes 5 days to change financial institutions if a customer would like to redirect their payment from an alternate account. Additionally, I am concerned about the potential marginalization of people of color who already have disproportionate credit scores. 

Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the Consumer Financial Protection Bureau XXXX CFPB ) was granted rule-making authority over the FCRA. The XXXX XXXX also introduced amendments to the FCRA, requiring the disclosure of credit scores and related information when a credit score is used in taking an adverse action.

It is essential to ensure that credit reporting practices are accurate and fair. Reporting payment delinquencies based on the date a payment is processed, rather than the date it has been received and properly credited, may lead to inaccurate credit reporting and negatively impact individuals ' credit scores and future credit opportunities. Such practices may be in violation of the FCRA, which requires fair and accurate credit reporting.

Furthermore, it is important to address the potential marginalization of people of color who already face disproportionate credit scores. The Title VI Consumer Protection Act Law prohibits discrimination in programs and activities that receive federal financial assistance. By marginalizing individuals with already disproportionate credit scores, Happy Money may potentially be in violation of this law.

In addition to the FCRA and the Title VI Consumer Protection Act Law, it is crucial to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Community Reinvestment Act ( CRA ). The FDCPA mandates fair treatment, accurate representation of debt information, and prompt resolution of consumer disputes. The CRA requires activities that meet the credit needs of all segments of the communities you serve, including historically underserved populations. Compliance with these acts is essential to maintain fair and equitable practices in debt collection and community reinvestment.

Lastly, it is important to assess and address any algorithmic biases in your banking algorithms. Biases in algorithms can perpetuate discrimination and unfair treatment. Executive Order 13985 emphasizes the need to address biases in algorithms used in decision-making processes.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (GA)

I had an account with XXXX XXXX in XXXX. I didn't agree with what they charged and I quit doing business with the company. I switched over to XXXX at the time. I completely paid XXXX XXXX off so that I could take the phone I had at that time. Several years later they told me I owed more money. I do not owe them anything. Now they have sold thos imaginary debt to to a debt collection agency called southwest credit systems Inc. The amount of {$1800.00}. They have completely misrepresented the facts on my credit report stating this claim was from XXXX. Time has ran out on this debt. This is damaging to my credit report and an unfair practice of this company. Please help me resolve this issue.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was opened XXXX  years back at Capital One 360. It was opened with cash deposit of {$50.00}. later I made XXXX check deposits from my fathers XXXX acoount XXXX and XXXX within couple of months. I am a XXXX student and my father gave me that money for an emergency. In XXXX of this year 2023, they closed my account without any reason and according to them they returned the money to XXXX account belonging to my father. Unfortunetely, about XXXX  years back XXXX closed its business of personal banking and transfered its accounts to XXXX XXXX  and last year due to XXXXXXXX XXXXs customer service my fahter closed that account with XXXX and opened new account at XXXX XXXX. My father talked to XXXX customer service they informed that once account closed you can not deposit any money. I believe by law if any a bank close an account they should and must return the money to account holder by check at account holders address in their record. We keep money at bank because it is supposed to be a safe place. How can they send my money to just any place any time, how am I protected with my money.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP (GA)

I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC (TX)

I spoke to loan officer XXXX XXXX at Benchmark Mortgage XXXX XXXX XXXX XXXX, XXXX / XXXX ID XXXX ) on the phone on XX/XX/2023 to request a prequalification letter to determine how much of a home loan I can take out for a new home. I told him I only wanted to do a soft pull inquiry that would not impact my credit score or stay on my credit report history and he assured me that the credit pull would not impact my credit score and will only be there for a few months. Then he asked me to complete an application online to be able to provide the pre-qualification letter. After I completed and submitted the application, I found out the next day from XXXX and XXXX that it was a hard inquiry pull and reached out to request for XXXX to retract/reverse that hard pull inquiry since I did not agree to it. He argued with me saying it was not a hard inquiry pull and then later said they can not remove it because I provided my authorization when I submitted the application. However I was tricked into believing the application would be a soft pull inquiry and did not intend or agree to the hard pull inquiry.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

I had a defaulted credit card obligation that I owed to XXXX XXXX XXXX. They filed suit against me in the Magistrate Court of XXXX County, Georgia. A judgment was entered against me for {$1700.00}, on or about XX/XX/XXXX. In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan. I was told that I would have to satisfy the outstanding judgment lien to XXXX XXXX XXXX   before the re-financing could be completed. I contacted the law firm representing XXXX XXXX XXXX, Cooling & Winter, in early XX/XX/XXXX. We reached a settlement amount of {$1500.00} to resolve the debt. I spoke with attorney XXXX XXXX. I mailed certified funds for {$1500.00} ( cashiers check ) to XXXX XXXX of Cooling & Winter on XX/XX/XXXX. They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX. They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by COOLING & WINTER, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier. My employer had been served with the garnishment and withheld 25 % of my pay plus fees. A total of {$770.00} was taken from my paycheck. 

On XX/XX/XXXX, I immediately called COOLING & WINTER to see what was going on. I left messages for both XXXX XXXX and his assistant, and never received a call-back. On Monday, XX/XX/XXXX, I again left messages for XXXX and never received a call-back. 

This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25 % OF MY CHECK. AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF {$100.00}. THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED. 

They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED. THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR. 

THE OFFENDING LAW FIRM/DEBT COLLECTOR IS : COOLING & WINTER ATTORNEYS AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NV)

I made a payment then realized I used my old checking account called in told them it was wrong account made new payment with right account so here I am thinking everything is ok and then they send me a letter saying they closed account due to non payment insufficient funds and held my money for Almost 30 days before refunding it back to checking account so they actually had the payment and acted like they didnt receive it and also closed for recent delinquency
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (KS)

Called the Credit company Credence Resource Mana. Talked with them about a paid to delete letter. The company refused to work with me on this issue. I paid the debt and am still requesting that the item be removed. as i believe that this is not in my best interest or the law. The law says that i am allowed to have a fair opportunity to a fair chance and opportunity to build good credit. I have paid the debt. I believe it should be removed.
Consumer complaint received 2023-11-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

On XX/XX/2023, I purchased three XXXX XXXX XXXX ( XXXX  ) from a XXXX XXXX XXXX location. I loaded each card with {$500.00}. One card worked and two were already drained. On XX/XX/XXXX, Incomm mailed me two replacement XXXX  Gift Cards. Per the instructions on the letter provided with the replacement cards, I called Incomm to activate both cards. One card activated fine and I've already used the card. I have been unable to use the second card. After my initial call to activate the second card, I have called Incomm multiple times. The Incomm reps can see the declined transaction but insist the card is " active '' and it should work. It does not work and no one at Incomm seems to know how to fix the problem. Even though I purchased the gift cards together in one transaction, Incomm set up separate Case Numbers for each drained card and the replacement XXXX  came in separate envelopes. The two case numbers are XXXX and XXXX. I am not sure which case number applies to which XXXX that was sent.
Consumer complaint received 2023-05-17
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: GOLDMAN SACHS BANK USA (AR)

XXXX XXXX is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

I can not receive credit reporting from this company and am being denied access to credit and loans. After multiple attempts, I contacted the company and spoke with a representative who informed me that they needed to verify my identity. They asked me all the security questions, which I answered correctly, verified my phone number, and sent me a link to send a copy of my photo ID. I sent this to them, and they said it was not enough and asked me to mail my photo ID and social security card to a XXXX XXXX XXXX I asked them to send me a letter in writing requesting this and the address listed because this is information that, if sent, could make me vulnerable to identity theft, and they refused. I asked if they could email me this information so I had a record of their request in writing, and they refused. I am VERY uncomfortable mailing my identification documents to a XXXX XXXX if they refuse to send me an official request in writing after they send me a text link and send them my photo ID ( driver 's license ). They verified me beforehand with security questions and verified my address and social security number. It is very suspicious that they refuse to send requests in writing to the consumer and block access to credit reports and scores to parties I have authorized ( credit lenders, employers, etc. ) and myself.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I opened a savings account with CIti inXX/XX/XXXX. I was able to transfer money in to this account no problem. When I tried pulling money out of this account a week later they told me I needed an ATM card. The company mailed an ATM card which was not delivered to me and instead went back to the company which they have record of. The company is refusing to send me a new card so I can get my money out of this account. I've called Citi every day multiple times a day for a week and half now trying to get my funds. Every time I've called I've verified all of the information and the company proceeded to lock my account. They said I needed a reference number to unlock my account. The person who called left a reference number and call back number that was not correct. Citi kept saying they would call back with a new reference number and never did. Citi then decided to permanently close down my account with all my money still sitting in the account. Even after verifying my information and the transactions I was attempting to make they shut down my account without my approval and now my money is no where to be seen. I can't even see my account on the citi platform. To make matters worse they not only did this to my account they also did this to my fathers account, so I know this is happening to multiple people.