davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: William Lyon Mortgage LLC (NV)

on or about XX/XX/2019 we went under contract to purchase a home from XXXX XXXX XXXX in XXXX XXXX Nevada. As part of the purchase price they listed on an addendum we would be penalized XXXX if we DID NOT use William Lyon Mortgage to close the financing of the new purchase. 

We signed and funded our purchase loan on XX/XX/2019 with William Lyon Mortgage and promptly started to refinance away from the 6 % mortgage rate we closed at. Title order was re-opened on XX/XX/2019 and payoffs were requested. 

XXXX XXXX ( the wholesale mortgage lender ) and William Lyons Mortgage have refused to provide a payoff to title or myself. I called XXXX and was told William Lyon still holds the loan and must provide the pay off. I contacted a representative from William Lyon Mortgage asking for a payoff and was told first that " I must make a couple payments for a couple months '' before they would provide a payoff and then I was later told they " wouldnt and they couldnt '' provide a payoff. 

I have spoken to the Executive Assistant to the President of William Lyon, I have spoken to the Executive Assistant to XXXX XXXX the CEO of William Lyon. I have had numerous calls with the EVP of William Lyon Mortgage XXXX XXXX about recieving a payoff and he confirmed William Lyon still holds the loan on their wharehouse line. I have spoken to a risk manager with William Lyons also tryiong to obtain a loan. XXXX XXXX was also contacted but they have no record of my loan and stated William Lyon Mortgage must provide the payoff This is the last condition needed to secure my new loan at 3.875 % This is a no pre-pay loan and my loan documents clearly state there is no pre-pay and that I can pay off at any time without penalty. 

The XXXX penalty and the high daily rate they are forcing me to pay by not providing the payoff is creating additional expense in addition to the appraisal costs and title costs that will be incurred because of this.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

My citi costco credit card ( the physcial card ) is stolen and someone used it to make some purchase. However, citi refused to return me the money back. The place these purchase are made, I didn't go there, either my family did. But citi refuse to return the money back because they said people used the chip! I have evidence that I was not in those place. As a big bank, citi is very disappointing. I am going to keep fighting until citi did the right thing. I am not afraid to go to the court and make the statement because I know it is fraud and I know citi was trying to play games with their customers! I believed justice will be made!
Consumer complaint received 2018-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. As ofXX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (AL)

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

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2019-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I took a private loan from Navient ( Sallie Mae ) back in 2008. Initially I wanted to get the fixed rate but was advised by the finance advisor to go with the variable because the fixed rate was too high and I could change it in the future. I later found out when I started making payments that this is not true. 
Currently my monthly bill consist of paying 85 % interest. I am mostly paying the interest instead of the principal. Due to my current income, I am only able to afford the minimum payment. 
The interest they charge is ridiculously high and they claim there is nothing they can do about it. They also do not allow borrowers to switch from a variable to a fixed interest rate. The variable rate is never low and is constantly high. 
I contacted Navient and asked to be given the variable interest rates that I have been paying them, however they could not provide the information and told me that they will email me the information ( I have not received it ). Navient claims to have borrowers interest at heart, but this is not true. Not only was I misguided with information but they informed me that there is nothing they can do with my current payment set up.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

Attached are 5 documents that require responses from Selene Finance : 1. Selene Finance Tax Form 1099-A - Acquisition or Abandonment of Secured Property - Selene Finance acquired my home on XX/XX/XXXX. I received no notification to show up to court prior to acquisition of my property & Selene Finance ignored XXXX XXXX effective until XX/XX/XXXX. 
2. Mortgage Balance- is my mortgage balance {$180000.00} or {$120000.00} or {$110000.00} or {$100.00}, XXXX as of XX/XX/XXXX? 
3. Property Not Vacant Notification sent to Selene Finance in XXXX ( certified mail/return receipt ). This letter serves as written notification that the property is owner occupied and NOT vacant/abandoned. 
4. XXXX XXXX filed by Selene Finance for repairs I did. 
5. Documents Requested
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

this account on my credit was never late. 

XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M 51M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current Status Updated XX/XX/XXXX Balance {$14000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance {$31000.00} Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments FIXED RATE Payment History
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (AL)

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

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 




I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I bank with Chime and last Friday, XX/XX/2021, there were a series of XXXX ATM withdrawal transactions around XXXX XXXX  for a total of {$600.00} withdrawn that were not initiated by me. My debit card was in my wallet on my person at the time so my card must have been skimmed. As soon as I realized what was happening, I locked my account to prevent any further transactions from occurring, of which there were at least XXXX or XXXX more attempts. The XXXX withdrawals, XXXX for {$100.00} and XXXX for {$200.00}, were pending over the course of the weekend and did not clear until Monday, XX/XX/2021. When I initially contacted Chime on the XXXX, I was told I could only lock my account at the time and request a new card but that I would need to wait for the transactions to clear in order to dispute them. I did on the XXXX as soon as I could formally with four forms submitted for each withdrawal to the Chime support team. Early on Tuesday, XX/XX/2021, the Chime team responded that nothing seemed out of the ordinary about my fraudulent charges and that they would not be reimbursing me in any manner. I then requested from them all documents associated with their short investigation into the manner.
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (AZ)

This bunch of idiots with the IQ of 30 does not understand English. They have called me 16 times in the past four days including phone calls as late as XXXX at night. The debt they are claiming was turned over to a debt settlement company. I informed them of this and they told me they did not care. The debt settlement company also informed them of their involvement and obviously they did not care because they kept on calling.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-10
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. (TX)

Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Consumer complaint received 2022-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (NY)

Multiple unauthorized ATM withdrawals were made From XX/XX/XXXX to XX/XX/XXXX. The bank is making claims that the ATM withdrawals were legitimate because it was done using an ATM card. The bank stated that my PIN was changed from a phone number that is not mine. 
The bank stated that since I did not lose my ATM card they are denying the request to deem the ATM withdrawals unauthorized. The bank believes that just because the card has a chip, that it is not possible that the card can be used unauthorized. 
The bank refused to acknowledge that there were multiple attempts to withdraw large amounts of funds at one time which were denied. The unauthorized person resorted to do 5 daily withdrawals of {$200.00} each. The security protocol in place failed to deny withdrawals that exceeded the max daily amount of {$400.00}. 
After I reported the unauthorized theft on XXXX and after being given the runaround by the customer service, the bank stated to do a Police report, which was done on XXXX. The bank still denied to give credit for the unauthorized withdrawals.
Consumer complaint received 2022-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NC)

I recently received a copy of my consumer report from XXXX, XXXX XXXX XXXX and seen that Comenity Capital Bank is furnishing inaccurate late payments on my consumer report causing me to be denied credit for personal, family and household use. 


Pursuant to 15 USC 1666b - A creditor ( Comenity Capital Bank ) 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.
Consumer complaint received 2021-11-23
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. (NJ)

XXXX, Equifax and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Credit report contains incorrect birthday of XX/XX/XXXX the correct birthday should be XX/XX/XXXX. Name on credit report shows as XXXX XXXX XXXX, name should be XXXX XXXX XXXX XXXX Also, credit accounts show on credit report. Report should show at least two loan accounts with XXXX XXXX XXXX XXXX XXXX. There was previous fraud accounts on this report which got wiped clean however now the correct loan information does not show either.
Consumer complaint received 2021-11-23
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Consumer complaint received 2018-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (NJ)

I submitted a personal loan application on the sofi  website and was instantly approved for $ XXXX on XX/XX/18. After a few days I received an email stating they needed my most recent paystubs, which I submitted shortly after. Then I received another email / text asking for additional information. 
I called and spoke with the customer service representative over the phone and she states that the underwriter needed clarification about a loan I took out with Sofi and paid off within 1 month ( I told her I had the funds and instead of paying high interest rate I decided to pay the loan off ). 
A few days later the underwriter XXXX called and I called him back and he asked the same question. Again I advised him that " I paid off for the loan within the month because I had the extra money to do so ''. 

Within 1-2 days I received a credit decision stating my application was declined. I called in a spoke with a few different customer services reps and an escalation specialist who all told me the reason for the decline was due to me paying off my loan within a month and that the company policy if that I have to make 3 consecutive payments before paying off the loan ( this was never stated in the original contract ) and because I did not meet the 3 consecutive payments and paid the loan off within a month they would not be able to approve the loan. 

I think this is very unfair to deny my application for paying off the loan within 30 days I met all the lender other qualification I.E. XXXX and Credit score requirement and would like to know how a company can make such decisions.