davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: C & E Financial Group, Inc. (TX)

I am a XXXX XXXX XXXXXXXX XXXX XXXX veteran after serving in XXXX in XXXX. I was XXXX XXXX in XXXX. Today, my XXXX-old son is a XXXX  in the XXXX XXXX stationed in the west coast. He and I know all about doing the right thing when no one is looking. 

After attempting to refinance my VA home loan with the above-mentioned broker, it has come to light that they do not care about doing the right thing when no none is looking nor do they care about doing right by our military veterans. 

XXXX XXXX is an agent of mortgage broker, C & E Financial Group , Inc. DBA Vintage Lending. XXXX XXXX is the owner of Vintage Lending. In XXXX of XXXX, with my explicit consent, Vintage Lending refinanced my VA backed mortgage from 6.25 % to 2.75 %. As a XXXX XXXX XXXXXXXX veteran, I am exempt from different fees, including property taxes. 

On XX/XX/XXXX, I emailed XXXX to inquire about the refinance interest rates he was currently offering to which he replied 1.75 %. I did not hear from XXXX until XX/XX/XXXX, when I emailed him asking about a hard credit inquiry notification I had just received. A hard credit inquiry I did not give explicit permission for. I explained to XXXX that after calling XXXX XXXX at XXXX, they explained to me the hard credit inquiry was processed by C & E Financial Group of Utah. XXXX then calls me and explains that he helped himself to my social security number by searching my file, typing my social security number into his computer and processing a hard credit inquiry. Misleading and unethical business practices. 

In the legally obtained recorded phone call, XXXX admits to his misleading, unethical, reckless and unauthorized business practices. He also mentions that if I refinance with them again, I would not be charged any fees because I am XXXX XXXX XXXXXXXX. The thing is, I was XXXX XXXX XXXXXXXX when they refinanced me the first time and I was charged over {$5000.00} in fees. It sounds like their VA loans need auditing to ensure our veterans are not being taken advantage of. 

Resolution sought : This mortgage broker should be investigated by having all their VA loans audited and disqualified from processing anymore VA mortgages.
Consumer complaint received 2021-01-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting a complaint against XXXX Credit Card for failure to comply with The Fair Credit Reporting Act, specifically Section 609, 611 FCRA. I am enc, osung the response of XXXX regarding my initial complaint with the CFPB. The letter from XXXX only makes certain statements that are clearly not true and at the very least disputed. They did not provide any of the specific items they are required to provide under Section 609, 611. In fact, the FTC sued XXXX for engaging in the very same type of conduct XXXX is engaging in. P, ease fund notice of the FTC Lawsuit against XXXX fir failing to provide victims of identity theft specific information under the FCRA. XXXX XXXX has not provided ANY of the required documentation under Section 609, 611 FCRA, I did not call them in 2016 and did not make any payments to them in 2016, I was NOT in the country or able to cal, them at that time. Since their letter admits they did not provide the required documentation under Section 609, 611 FCRA any statements they made should not be considered as credible. I deny ever opening an account with them and as the furnisher of this erroneous information XXXX, XXXX and Transunion must be remove it from my file. Please be clear, XXXX provided NO proof as mandated under Section 609, 611 FCRA. Perhaps prior to responding the next time, they will read the FCRA and provide the mandated documentation they are required to.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

on XX/XX/2021 at XXXXpm eastern time, I received multiple emails to one of my accounts, XXXX, from wells fargo telling me my account had been successfully created. Basically a welcome package. I immediately called their fraud department and opened a claim, however their weak anti fraud practices made it impossible to take any actual action against the account since it was " after hours ''. 

One major factor in allowing this to happen was a lack of basic security protocols. They let someone use my email address to open an account without ANY email verification at all. You can't download free software without confirming your email address, yet Wells Fargo just accepts any email with no questions asked. The fraudster had no access to that account, the logs show nobody other than myself had accessed that account. There was no " confirm your email address '' email ahead of the several welcome emails, and within 7 minutes the address was changed to a gmail address. Again this raised no red flags internally, Wells Fargo ignored yet another crucial action that had fraud written all over it. 

Only today did I get a call from somebody in the executive office, telling my case should be closed out by the XXXX of XXXX, and that the 2 accounts in my name had been frozen. I told the person who called, that this could have been avoided with a basic security 101 action of confirming the email address used to create the account, that comment was met with silence, then she just started to read from a script again, seeming unaware of what address was actually used to set up the account. This is a huge security hole and pretty much turns wells fargo into a massive identity fraud factory.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. XXXX XXXX XXXX, XXXX, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original Creditor XXXX XXXX Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX  XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX  XXXX XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. Equifax Credit Reporting Bureau upheld the collection account and stated they investigated and XXXX XXXX provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to XXXX XXXX XXXX by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to Equifax.
Consumer complaint received 2021-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

I impound my property taxes in my escrow account with my mortgage at 5/3 Bank. I noticed my second installment of my property taxes had not been paid in XXXX and contacted 5/3 Bank several times. Each time a representative said the property taxes would be paid on time. However, 5/3 Bank failed to pay my property taxes on time and I was charged an interest fee of {$100.00} by XXXX XXXX County, MD. I had to pay more money in taxes as a result of their negligence. After I paid my second installment of my property taxes out of pocket, 5/3 bank emailed me saying their research showed they had made an error and they would be correcting it for next year ( this is irrelevant since I am refinancing to another lender anyway ). However, 5/3 Bank knew the full amount due of my property taxes due because they had to adjust my escrow fees and withholding for calendar year XXXX. The full amount of my property taxes was known and documented in my Annual Mortgage Escrow Statement ( page 3 ) dated XX/XX/XXXX, so there was no reason my property taxes should not have been paid on time. I was charged interest fees on my taxes as a result of their mistake.
Consumer complaint received 2021-07-14
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: General Motors Financial Company, Inc. (IL)

GM FINANCIAL violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft. 
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc. (FL)

coinbase is a complete scam. you can see tens of thousands of negative reviews on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more. 

They illegally charge hidden fees. They falsely advertise many features. They violate Reg E when you have fraud, lie about providing provisional credit but never applying, they ignore all calls and emails.
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: BMO Bank, N.A. (IL)

I entered into a consumer credit transaction with BMO Harris Bank on XX/XX/18. I issued BMO Harris Bank my social security card, which is a credit card pursuant to 15 USC 1602l, and it is also an open-end credit plan pursuant to 18 USC 8 . When I issued BMO Harris Bank my open-end credit plan it paid the finance charge in full. Pursuant to 15 USC 1605 the Finance charge is the sum of all charges and can not be paid with comparable cash. BMO Harris Bank had me remitting payments to them even though the alleged debt was already paid for in full and this is in violation of 15 USC 1605. They also didn't disclose to me my right to a recession within the auto contract, which is another violation of the XXXX and XXXX XXXX. They are liable both Criminally and civilly pursuant to 15 USC 1611 and 15 USC 1640. They also harmed my reputation by putting this on my credit report and are in violation of 15 USC 1692d ( 1 ). They are in violation of 15 USC 1692e ( 10 ) by trying to collect on this false and misleading account knowing that the alleged debt has been paid in full already. Then they violated 15 USC 1692 f ( 8 ) by having their logo on an envelope they sent me, which is an unfair practice. They violated 15 USC 1692j by furnishing these false and deceptive forms making me believe that I owed thisallegeddebt.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 at XXXX XXXX I received a Chase fraud text message asking if i tried to withdraw {$800.00} from my account which i texted back with no. Chase then texted me back with ok that they will close my card and send me a new one, i then logged into my app and locked my card just in case of any further fraud activity. I then like at XXXX XXXX unlocked my card to use my apple pay at XXXX XXXX XXXX for an amount of {$66.00} dollars and then when i noticed my account was deducted {$700.00} from XXXX XXXX XXXX XXXX which is a chase bank. I immediately called chase and notified them and they started and investigation. They credited me back my {$700.00} so i figured chase was on it i then check my account today XX/XX/2021 and chase declined my claim claiming that they denied because my card chip and correct pin was used and they were no wrong pins entered to me thats ridiculous because i had just received a message from them of a fraud attemt and they approve a {$700.00} withdrawal without any notification when earlier in the day i had already been tried to be scammed. i now getting law enforcement involved to see who used my card and thats why cameras are placed on the ATMs. Its not fair fair for ua to lose our money and for a bank institution to just make a decision off of them not getting my pin wrong any times when I clearly texted them in the morning that i was already trying to get scammed in the morning for {$800.00} when I received a text why wouldnt they text me again asking of i tried withdrawing {$700.00}?? It might not seem a lot to a bank but it's a lot to a family especially going through a pandemic. Thank you.
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In XX/XX/XXXX my vehicle was totaled. I was very distraught after the accident and moved to Kentucky right after the accident. I did not know the insurance did not cover the entire amount. The payment of {$320.00} was due on the XXXX of each month. 

I did miss the XX/XX/XXXX & XX/XX/XXXX payments. The reported 30 & 60 day late payments are correct. 

On XX/XX/XXXX COAF received insurance proceeds of {$15000.00} and that left a balance of {$680.00} unpaid. 

I received a dispute response from COAF, on pg 2 COAF states the XX/XX/XXXX payment was not paid until XX/XX/XXXX, and the XX/XX/XXXX payment was not paid until XX/XX/XXXX when I paid the {$680.00}. 

What happened to the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX payments? How were those payments made? 

Plus how can COAF report the XXXX as XX/XX/XXXX, according to XXXX XXXX guidelines, it should have been XX/XX/XXXX. And how does COAF verify account as a Charge-Off with only reporting 2 late payments? 

Look at the CRA payment history reporting, is this factually correct according to XXXX XXXX standards?
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Skopos Financial, LLC (AL)

I have a loan through Springlight Financial and called XX/XX/22 to set up a paymet arrangement for XX/XX/22. I was advised it was outside the parameters for payment arrangements but to call back the next day and it would be within. I called back XX/XX/22 and setup a payment arrangement for XX/XX/22. I was called XX/XX/22 by Springlight Financial and explained I had a payment arrangement on file for XX/XX/22. I was advised by the rep he couldnt honor that and the calls and collection efforts would continue. I explained it was a right party contact and calling me again within 2 business days would be a violation of TCPA regs. He called from a XXXX area code. On XX/XX/22 the very next business day I was called 3 times and on the third call I picked up and it was the same rep from the day before. I advised him his company was breaking right party XXXX violations and asked to speak to a manager. He called from a XXXX area code. Unless he moved in one day that seems like deceptive call practices. I was on hold waiting for a manager for 18 minutes before the call dropped. I was then called by XXXX area code and it was the manager. She was in the same location as the rep but I was called by 3 different area codes. I explained the TCPA violations and the right party issues and the auto dial system should have been pushed since a payment arrangement was on file for XX/XX/22. I do collections compliance and fully understand how autodial systems work. Right party and TCPA laws. Deceptive call tactics like calling from 3 different area codes from the same location. Each violation is {$1000.00} fine
Consumer complaint received 2022-04-20
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. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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
Consumer complaint received 2022-04-13
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)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX XXXXXXXX Account # : XXXX CREDITOR : XXXX XXXXT Account # : XXXX CREDITOR : XXXX XXXX Account # XXXX 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
Consumer complaint received 2022-09-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

My chime card was charged {$240.00} on XX/XX/2022 to XXXX XXXXXXXX XXXX that was not authorized by me. I filed a dispute and chime closed my dispute out and told me I couldnt get my money back. After further research Ive read that they have done several people that do business with them like this. I was told by an agent that I would need to XXXX the business that the transaction was made with and try to contact the merchant myself. As I explained to said agent I cant show proof for a purchase I did not make. Not only that said agent stated that they dont have to refund my money and that I would just have to be out of {$240.00}.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises (TN)

The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of XXXX XXXX XXXX, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency XXXX, XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX ) XXXX