davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (NJ)

This company has been running my credit since XX/XX/XXXX for a loan I was " supposed '' to be approved for. the loan started at {$3300.00} and than they needed to run my credit. Once this was done they asked for supporting docs which were supplied multiple times. Than i was emailed and told they couldn't offer the loan but I was approved for {$2700.00}. Once again i was asked for supporting docs. I have submitted over XXXX docs and had to call over XXXX times because everything i sent in wasn't up to their standard. They wanted bank statements and I explained what they were asking for was no able to be given because the bank doesn't have it. I had to change banks and provide more docs. After doing this i was told again I couldn't be approved but I could be for {$1900.00}. Once again i sent more docs. They finally sent me a contract and after review I went to sign it and than they say it was declined due to a credit inquire. My credit was not ran today XX/XX/year>. That statement is false. This company is committing XXXX and misleading its applicants. I will attach the emails i was sent as well as my credit credit run as of XX/XX/year> which shows no credit was ran since XX/XX/year>
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

When I purchased my home, I took out a mortgage with HomeBridge Financial Services. Everything has been great, up until this last year. The mortgage company escrows my insurance and taxes, and my insurance is due in XXXX of each year. In XXXX of XXXX, my insurance agent mailed the invoice to the mortgage company. In in XXXX of XXXX, HomeBridge sold my mortgage to a new servicer. I received my new statement for my new servicer & my payment increased by $ XXXX/month. When I inquired, it was because of the escrow. I found out through my insurance agent that HomeBridge never paid my insurance policy in XXXX of XXXX. I immediately called HomeBridge, they refuse to speak with me because I am not longer a customer ( since they sold my mortgage not even 1 month ago ). I finally got through to someone who in turn hung up on me & told me they wouldn't help me. She informed me that they forceplaced insurance in XXXX of XXXX because the home needed to have insurance ( OBVIOUSLY! ). If they would've paid the invoice that my agent sent in XXXX, this would never have been an issue!!!! Insurance rates have skyrocketed in my state, so now to get a new insurance policy in place, I have to pay for new inspections, and my premium is going to be MUCH higher than it was when my agent sent the invoice back in XXXX. I am out HUNDREDS if not THOUSANDS of dollars because HomeBridge is incompetent and refuses to take responsibility for their mix up. The woman at HomeBridge acknowledged they never tried to call me, but they may have mailed me something ( which I never received ). How could I have fixed this if I didn't even know it was an issue????
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate 8 errors on my credit report. Over 45 days have passed, and I have yet to receive their response in the mail. They were supposed to mail me something back within 30 days. I have even sent a follow-up letter, and that is also being ignored.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (NV)

To whom it may concern : What happened was, an ex boyfriend of mine stole a checkbook of mine ( who owns his own business, has kids is a XXXX XXXX and what I thought not a bad guy ) and wrote 7 checks with a total of {$10000.00}. I filed a police report. The bank verified it was not my signature on any of the check and even verified the Business Account he wrote the checks under " XXXX XXXX XXXX. '' They verified where the checks were deposited. 

Chase then blamed me for not " exercising extraordinary care of protecting my checkbook '' and have denied all claims. 

I have banked with Chase bank since 1994. 

You would think the police report, the printed checks, and all the other evidence they had would be enough. 

Now I have an official letter stating they are denying thing claim. 

I need your help. 

You may contact me anytime on my cell phone XXXX. 

Thank you so much for any help you can offer!
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (PA)

Key Bank is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked Key Bank to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. Key Bank simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, Key Bank contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get Key Bank to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from Key Bank, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.
Consumer complaint received 2019-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance (CA)

I was scammed by a fraudulent party called " Student Loan Financial Assistance '', claiming to be a student loan finance company. They offered to refinance my student loans with a lower interest rate. I gave them my bank account information and authorization to " transfer '' my loans from XXXX to them. However, they put my payments on forbearance until XX/XX/2020 with XXXX and were attempting to do monthly direct deposit payments from my bank account. Once I realized that this was a scam, I immediately contacted my bank to close the account. I also contacted all 3 credit bureaus ( XXXX, XXXX, XXXX ) to freeze my credit score. Lastly, I contacted XXXX to remove the forbearance and added an additional password that is required when attempting to call XXXX about my account. Please bring these evil people to justice!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Account opened in fraud-while waiting for a resolution on Consumer Financial Protection Bureau case number XXXX opened on XX/XX/2018 on XXXX ' Store Account Card ending in XXXX I have made the discovery the store account was not closed properly for my protection. The fraudulent balance remaining on this card was XXXX 

Instead another account ending in XXXX has been opened fraudulently. I do not have a card for this account and I have not been using the store account to make purchases. 

The credit limit on my store account is XXXX. 

I called XXXX Fraud Division and opened yet another claim with XXXX Badge Number XXXX who stated all charges will be reversed however the store account was opened so I could use it. I replied " Why would I want to use a store account which has a corrupted balance ( charges which are not mine )? '' I'm appalled. The new balance is XXXX which consists of charges which are not mine.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

2 auto insurance agencies, XXXX and XXXX XXXX turned over or were purchased by CCS ( Credit Collection Services ) who then turned these over to credit reporting. I have requested validation because they have been paid in full, I do not owe and Insurance does not extend credit therefore it is impossible to acquire debt.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GUARANTEED RATE INC. (WA)

Back in XX/XX/XXXX I spoke with a Loss Mitigation to work out an arrangement to catch up my back mortgage. We were in forbearance and it was ending end of XXXX. I agreed to a program and was told I would receive paperwork in the mail in a couple of weeks. I was advised that my credit would not be affected. XX/XX/XXXX a late payment report showed up and I contacted them again. The agent said not to worry once the paperwork was filed it would all be cleared up. I contacted Loss Mitigation on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not not receive any paperwork until XXXX which we filled out and sent back the very next day. The paperwork did not get processed until XX/XX/XXXX. By then I have had 2 late payments reported even though I continued to make payments. I have emailed the research department per Loss Mitigation instructions on XX/XX/XXXX and XX/XX/XXXX. We communicated back an forth on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There hasn't been anything resolved and typically take 30 plus days to respond to any inquiry. There is still negative reporting which is not allowing me to refinance away from the terrible company.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SML Capital, Inc. (FL)

1. Offer received with a Pre Approval letter. Outstanding Conditions Escrow, Appraisal, Purchase Agreement. Documents reviewed and verified : Income, Credit , Employment & Assets Verified.

Timeline : Contract signed XX/XX/XXXX, Final Loan Approval XX/XX/XXXX, Close date XX/XX/XXXX XX/XX/XXXX Lender required adding wife to the purchase with no explanation. Florida is a homestead state. We did not know there was a wife.Wife was added XX/XX/XXXX by addendum. Seller 's already signed their closing documents. XX/XX/XXXX Buyer 's Agent requested a closing extension with no explanation. He reports there is a XXXXaud Protection on the buyer and the IRS documents are on their way. Still no loan approval provided. Loan App due XXXX. When we pressured for more information buyers agent sent a lender document detailing the following Credit Score dated XX/XX/XXXX Score XXXX to XXXX, 39 Serious Delinquency, 14 Length of time accounts have been established,18 number of accounts with delinquency, 08 too man inquiries last 12 months. They knew there were issues and still provided a pre approval letter. Seller then requested a loan commitment. Commitment sent without any loan terms or signature from the lender. Wife included with new additional terms and conditions 1.Tax Transcripts from IRS ( mailed directly to buyer ) 2. Spouse on title only. XXXX Received a signed commitment with the lenders signature that doesn't appear to match pre approval letter. No signatures from borrowers. How can you issue a commitment with serious items dating back to XXXX. Why are they just now asking for tax returns three days before closing? They would not explain or clarify. They then sent a 30 day extension request. Seller requests a portion of the escrow be non refundable. Seller did not sign either of the extensions without a better understanding. I sent requests for clarification to both the buyers agent and the lender trying to understand the true nature of the deceit. XX/XX/XXXX Lender sends Notice Of Action with new conditions Insufficient funds.Unable to get IRS transcripts. Agent sends a release and cancellation and wife is now on it. She was to be on title only!
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I was scammed out of {$450.00} through the XXXX function in my Bank of America account. I did not authorize this electronic funds transfer and immediately notfied B of A as soon as I saw the fraud, meeting my oblication under the Electron Funds Transfer Act. I beleived I would get my money back, considerign this was fraud, however after the investigation by the bank they conluced in a letter I was being denied becaue " I GAVE MY ONLINE ID AND PASSCODE TO SOMEONE!! '' Unbeleivable, this was the outcome of their investigation? What kind of investigation was this? Of course I did not give out my private banking information. I called the bank back to complain and the agent could not give me a satisfactory answer to why I was not being protected under the ElectroniXXXX Funds Transfer Act as requred for this unauthorized funds transfer. I asked for the information of the person that took my money on the other end. The agent said they WERE NEVER CONTACTED!!!. What kind of investigation doesnt find out who got this money and if it was authorized or not? this is ridiculous, so the bank in essence is allowing these cyber hackers to take money then don't even bother contacting them to see who they are or if they were supposed to receive a payment? That is their investigation? And I am supposed to be happy about that? This is outrageous! He then proceeded to say I should have my laptop checked for bugs or cell phone, but contradicted himself by saying that if I had a bug it would be my fault anyway because its failure to protect? That makes no sense, the EFTA does not stipulate any such nonsense for moneys that are UNATHORIZED from a consumers bank account. Bank of America is deliberately failing to adhere to their duties under this consumer federal regulation, failing to secure thier customers online funds from hackers and then blaming and treating their customers like criminals instead with half hazard investigations that dont even contact the moneys recipients!!! I asked to speak with a manager to escalate my case and I was sent to a voice message and never received a call back. Not only was my account stolen by thieves but Bank of America is conducting business like thieves, ignoring federal consumer protection laws and wrongfully denying fraud claims through the XXXX  payment system that they own. There must be legal remedy for this individually or I am sure this is happening to many other people on a larger class action level. I will be looking into this very seriously. I am a U.S. Veterand and XXXX   XXXXXXXX, the way BofA is treating its customers is unacceptable. Bank of America can not be trusted with your accounts or your money.
Consumer complaint received 2019-08-21
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: BARCLAYS BANK DELAWARE (NY)

I am looking at my XXXX XXXX to make sure everything accurate XXXX   is reporting on XX/XX/2019 I made a hard inquiry with Brclysbankde. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX   If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I currently already have a barclays credit card and am very happy with that. Just want to fix this inaccurate information. Thank you
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY (NJ)

XX/XX/XXXX - paid off the {$8400.00} ( loan balance ) plus a {$39.00} late fee. 

XX/XX/XXXX- received a bill for {$260.00} as interest and a late charge for not submitting a monthly payment. 

I called a number of times to try to resolve this matter and no supervisor would speak with me and they just insisted on receiving their payment. 

XX/XX/XXXX - I finally called and demanded to speak to a supervisor, they refused. I was told by the operator that I need to pay or every month the balance will increase. 

I responded, " Increase for what? I paid off the principle of the loan, HOW are you calculating these interest payments? What math are you using? '' I paid off the {$260.00} as I was given NO OTHER OPTION. 

I am shocked, AMEX is allowed to operate in this manner. 

Please help me get back my money. 

XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have requested a validation letter from Account Resolution Services. I have received a letter but it still not enough information of verifying the debt. I didn't give this collection company the consent to collect any debt or the company couldn't provide my bear signature of them owing rights to collect any debt.
Consumer complaint received 2023-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/23 I filed complaint # XXXX. The basis of the complaint was an attempt to simply speak to someone in Citizens loss mitigation department so that I could offer a solution which would both provide Citizens with a path to being repaid XXXX cents on the dollar and to provide me with an amount of time to repay the loan. I was even offering to make payments for the duration of the workout period and offered to back my proposal with a " deed in lieu of foreclosure ''. The day after I filed my complaint I received a call from a XXXX ( not from loss mitigation ) but from the Office of the Chairman. He promised to forward my complaint to loss mitigation. Approximately 3 weeks passed. XXXX called again to apologize that it took so long to get back to me but stated that because I did not show/have " enough income, there was nothing they could do for me ''. What was outrageous about that statement was that XXXX and whomever else might have been looking at my file did not have any updated information. No one ever asked me to give them any additional information or even cared how I would live up to the agreement I was proposing. The information that XXXX and anyone else was looking at must have been 6 months old and therefor stale. I think Citizens is more motivated to do nothing to help me because they have already determined that the outstanding debt on my home is only approximately 1/3 that of the market value. At the end of the day I would just like to speak to someone who is reasonable and in a position to deal with me on a fair basis.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NJ)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

I requested NewRez to update my credit report with the payments on my mortgage. They sent me a letter stating that it will start reporting in the Month of XX/XX/2020. It is currently XX/XX/2020. They still have not reported my payments