davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I have XXXX store credit cards with Synchrony Bank. Due to financial hardship I enrolled in payment plans for all of them. 

The payment amounts and dates due for the payment plan are unclear. Although the website shows the correct amounts for each payment plan, there is no due date listed for the payment plan. 

Instead, the account screens for each card shows information on the original payment date and past due amounts ( before enrollment in the hardship plan ) so I am confused about which amount to pay and when. 

Plus I could swear that when I signed up I requested XXXX of them be enrolled in AutoPay and I have had to pay manually. 

Additionally, I had XXXX other account with Synchrony ( for Amazon ) where I overpaid because the terms were unclear as I said above. I was concerned I was going to miss a payment so accidentally overpaid. 

Additionally, I receive multiple reminder emails per week for each account that a payment is coming due ( again no due date is mentioned ) ... this is incessant and unnecessary.
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (FL)

I applied for a loan to purchase a XXXX XXXX from a retailer ( XXXX XXXX ). I have a high credit score and no issues, but was denied and the reason given was they were unable to confirm my identity, despite being provided my accurate address, last 4 of my social, etc. I called to offer more verification, as was told they could't verify my identity, I was denied and that decision was final. My belief is that Affirm is denying people with good credit so they can make more revenue off of higher interest rates and fees from preditory borrowing from lower-score borrowers. As I said, I called and offered any form of verification request, but was told know. I believe I was denied credit for unlawful discriminatory reasons.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XX/XX/year> CFPB complaint XXXX was filed against Equifax for willful violations of 15 U.S. Code 1681c1 for its repeated failure to place an extended fraud alert for a victim of identity theft. On XX/XX/year> Equifax sent three separate mailings : 1 ) Remedying the Effects of Identity Theft 2 ) A refusal to block information pursuant to Section 605B ( c ) and requesting production of proof of identity and the specific informatoin that is a the result of identity theft. ( Be aware no request to block any information was submitted ; only the request for the extended fraud alert due to victims of identity theft. There are more types of identity theft than credit fraud ) 3 ) Requesting proof of identity : provide proof of complete 9 digit SSN ( previously provided multiple times and included with the above mentioned complaint ), and proof of residence at at incorrect address which is an office building.

All of these were mailed to the incorrect address that was never requested to be changed and the sending of these mailings about a consumer file to the wrong address constitute a data breach.

I contacted the call center to resolve the matter and was advised I needed to mail my request Equifax attn : Dispute Department, XXXX XXXX XXXX, XXXX, GA XXXX where a specialty team would assist with my request. This is the same address that I have been mailing since XXXX of this year and had all requests fail and resulted in the above complaint that is currently open. 
The level of negligence involved is staggering.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Deposit from a property sold were deposited on my checking account XX/XX/XXXX. This funds are coming from an escrow account from a title company. Chase bank did not verified this funds after I tried many times to provide the information to them. The amount was {$50000.00}. No funds were available and today is day XXXX. I am using the money to do a treatment for my daughters XXXX and they have not provided even a partial release. I cant wait for the funds until XX/XX/XXXX.
Consumer complaint received 2023-11-25
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. (OK)

accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

As of today, 3 fraudulent " XXXX '' checking accounts have been opened in my name with Bank of America ( BoA ), with a fourth account still pending today ( XX/XX/XXXX ). The dates of the incidents were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was alerted to these accounts because the scammers used my personal email address, where I received notifications about the account application process. 

For each account, I contacted BoA fraud services to close the accounts at XXXX. No money was ever deposited in these accounts. All emails were also forwarded to XXXX. Four claims were filed with the following claim numbers : XXXX, XXXX, XXXX and XXXX. After the initial attempt on XX/XX/XXXX I went through the recommended identity theft protection steps including freezing my credit with all agencies, implementing a 1 year fraud alert, freezing my XXXX profile, changing all passwords and using XXXX. I have also filed FTC reports ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ), and submitted a complaint with the SSA OIG ( XX/XX/XXXX ). Despite these measures, as well as assurances from BoA that all future accounts opened with my SSN would be flagged and denied following my XX/XX/XXXX claim, two applications were approved ( XX/XX/XXXX and XX/XX/XXXX ) and one is still pending. If BoA was truly implementing security measures ( ie utilizing XXXX, checking their own supposed fraud flagging system ), any of the security actions I took should have stopped the new applications in their tracks. 

I requested information about my claim be mailed to me at my home address after the XX/XX/XXXX attempt, and was told that an investigation would be opened once I filled out the information requested in the BoA forms. As of today I have received nothing from Bank of America, despite a representative today assuring me that forms *were* sent out for the first claim. I have spoken many times with BoA fraud as well as in person at a local BoA branch, received multiple assurances, yet continue to experience fraudulent account openings, and have no evidence of any fraud investigation actually being conducted by BoA. 

A quick search online shows that I am not alone in experiencing recent fraudulent XXXX account openings with BoA in recent months, with a particular uptick in activity within the past month ( for example, see XXXX ). Online discussions show that other victims are also experiencing account openings *despite* implementing recommended security measures. This is particularly egregious given recent news articles about BoA experiencing higher than expected profits due in *particular* to increased deposits and checking account openings. Overall, there is clearly some of kind of systematic abuse, or security flaw within BoA that needs to be investigated and addressed.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MI)

This is a consistent problem with Comenity Bank Ultimate Rewards Master Card and I believe thousands are being affected. I received my monthly statement. I am given XXXX options : Pay minimum due, pay statement balance, or pay account balance. I paid the account balance in full 7 days before the due date. I then received another bill for interest due. I asked how interest accrued on a XXXX balance and was told that it was the interest from the date the bill was mailed to the date the payment was received. So for example : the closing date of the billing cycle is XX/XX/XXXX ; I received the bill around XX/XX/XXXX ; the bill is due XX/XX/XXXX ; I pay the bill in full on XX/XX/XXXX. Then I receive the second bill for interest due to cover from XX/XX/XXXX to XX/XX/XXXX. A t this rate one could conceivably not being paying the " account balance '' ever. Here is the statement on the back of the bill : " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' This time it was {$3.00}. Other times I have paid more. Somewhere in here is credit card fraud and I am sure many people who maybe don't pay attention just pay into the millions of dollars.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i XXXX XXXX noticed fraudulent loans and accounts were open in my name i was a victim of fraud when i was younger I did not authorize it.. 
FTC Report XXXX : XXXX FTC Report XXXX : XXXX
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposited a large check via BoA 's mobile banking app, and it is being held for a week. 

This is wrong, solely because the check is drawn on BoA. This means their protestations about wanting to verify the check are false, because the check is drawn on funds already deposited. 

I might have had the option of depositing the check in-person, but they have closed all the branches near me. The nearest one to me is in XXXX, XXXX miles from my home in XXXX.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I'm a new customer for Mr. Cooper ( AKA Nationstar Mortgage LLC ) whose mortgage loan was purchased by Mr. Cooper, via XXXX XXXX, from XXXX XXXX XXXX XXXX on XXXX. At this point I had already paid my first Mortgage payment to XXXX XXXX XXXX XXXXXXXX. Additionally, my loan with XXXX XXXX had a sales Incentive subsidy that the home builder paid for as a incentive for me to buy the house. This subsidy was part of the original mortgage loan contract and was told that it was also transferred to Mr.Cooper as is. 
Upon first email contact by MrCooper on XXXX, I started planning to pay off the loan with Mr. Cooper. On XXXX, I requested a payoff quote from Mr. Cooper website. I had was also in discussions with a Mr. Cooper customer service Rep called XXXX of Louisiana who set up a quote for payment by XXXX XX/XX/2023. I explained that I needed it to be delayed to XXXX XXXX so I could get to the bank for the wire transfer. XXXX said no problem but to add a day of interest to cover the delay. So, I wired the " quoted '' amount plus a days interest ( {$68.00} ) to Mr. Cooper, which they received. I called a Rep 2 days later to see if my funds were received. They had but, they said I needed a new quote to cover deficient funds. It was not told to me how much more I needed so I wired {$230.00} to cover the second quote ( {$25.00} ) and 3 days of interest to arrive on XXXX. The second wire arrived but was applied to my account and the previous larger wire funds was not applied to my account because of another deficiency. I much later found out that the deficiency was not for interest but for a subsidy of + {$7900.00} that Mr.Cooper wanted to retain but their Quoting System correctly subtracted it from the mortgage payoff quote. Discussions went on for another month and Mr.Cooper Payoff Dept would not approve any further quote payoffs and they never called or contacted me once to explain the problem. I finally got a Rep that finally got my original wire transfer returned to me almost a month after it was wired to Mr.Cooper. She has also been my advocate to discover what happened and explained to her own people why I should have my first quote honored as of XXXX XX/XX/2023 with no futher interest charges beyond that date. We even attempted a third quote on XXXX without success and those funds were wired back to me on XXXX XX/XX/2023. Because of my inability to get Mr. Cooper to accept a quote payoff from me without any direct contact with me as to why I was having a problem, I have not made any mortgage payments on my account except the first one on XXXX.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Every year our XXXX bids out our insurance. I have received several conflicting instructions for sending the policy to the mortgage servicing Company [ Shellpoint, a division of NewRez ]. This year I've sent the policy several times, and yet the servicing Company has radically increased our payment because of lender placed insurance. This has happened several times in past years. I have and continue to receive many collection calls asking for payments that include the lender placed insurance, and I have explained on multiple occasions that the payment amount includes lender placed insurance that I will not pay for. I was told on several occasions that they are going to remove the lender placed insurance, credit my account, and recalculate my loan based on this information, and that they are including these facts in their notes and filing a complaint on my behalf. Our monthly payment amount remains grossly inflated. When they call I ask them if they are familiar with my case or if they are just calling cold without knowing anything about this discrepancy, they always say are just calling to collect a debt and they are not familiar with my disagreement. Sometimes they offer to transfer my call, but I've given up explaining the same thing over and over. At that point I terminate the call because I can not afford to spend any more time repeatedly explaining their error. 

All my payments are made automatically for the same amount. I've been told they are not applying my payments to my balance and are instead applying them to a suspense account because they are for the wrong amount. They once offered to mail me a check and I refused, stating that any and all refunds must be refunded to the source they were paid from using the same payment method. This debacle has cost me many hours of my time, which has had a negative impact on my ability to earn income. 

They have also made it confusing to access my account as they have multiple Companies and multiple websites. If they had credited the lender placed insurance, my payments would have been for the right amount or close to the right amount. That has not happened, and they are asking for over XXXX XXXX dollars more than I have been paying automatically every month. As a result of this error, my credit score has been negatively impacted. In my opinion, the mortgage servicing Company is liable for the damage to my credit score.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (FL)

I am trying to sell my house and the title company says there is a lien on my house from 23 years ago. Ditech had my mortgage and went bankrupt. XXXX took over the mortgage but Ditech did not release the lien. Now the mortgage is in XXXX ( XXXX ) hands. I need the lien released for the title company to sell my house.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 2023-12-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (IN)

Urgent : Unjust Account Lockdown and Impending Tuition Deadline On XX/XX/2023, my account was inexplicably locked without any prior notice or apparent reason. This has put me in a precarious situation, especially given the imminent deadline for my XXXX XXXXXXXX  tuition fee payment. As an XXXX student, this payment is crucial for both my academic pursuits and maintaining my legal status in the United States. 

My total online savings balance, approximately {$51000.00}, is currently inaccessible due to the account lock. Despite numerous attempts to seek assistance from Marcus customer service, the responses received thus far have been unhelpful and lacking in clarity. 

Upon initially opening my account, I diligently provided my citizenship information and Social Security Number, as required. However, I am now being told that additional verification, such as a U.S. driver 's license or state notarized forms, is needed. I inquired about the sufficiency of my passport for verification, as your website indicates that any passport is an acceptable form of identification. Surprisingly, the customer service team has insisted on conducting further reviews and has denied the acceptability of my passport. 

The implications of this account lock are severe, as I am unable to fulfill my financial obligations for the approaching tuition deadline. My education, career, and overall life trajectory are at stake due to the hindrance caused by Marcus ' decision to lock my access to funds rightfully owned by me. 

If Marcus has a policy of not conducting business with non-U.S. citizens or international students, it should have been transparently communicated during the account opening process. Taking my money and subsequently locking my account without reasonable cause creates an appearance of fraudulent activity. 

I urgently request your immediate attention and resolution to unlock my account, allowing me to proceed with the necessary tuition payment. Your cooperation in swiftly addressing this matter is paramount to ensuring the continuity of my education and legal status in the United States.
Consumer complaint received 2023-12-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

I received a call from target in regards to a credit card application. I did not apply for their credit card and other than my name and a previous address, the other info given did not apply to me. Target marked the application as fraud and suggested I report the problem.