davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. 

I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to XXXX . Appointments and handle the mail and bills. 
I have my own separate bank accounts. He had his. 

However, XXXX XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. 
To my surprise I started getting bills from different credit card companies in my name. 

I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. 



Most recent I received new credit cards showing my name with a second card showing his name. 

In the more than 40 years that I intrusted him I would have never imagined him doing this. 

I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. 
XXXX : ( an:XXXX ) XX/XX/XXXX Spoke to Mr. XXXX advised of the ID theft. He advised to complete and return a fraud form which he mailed. 

XX/XX/XXXX returned fraud form. 

XX/XX/XXXX called for status since nothing was received. Spoke to Ms. XXXX who advised that allegation was denied. I advised her that documentation was sent to which she said was not received. She said to fax them the documentation. Severl attempts were made, and their fax machine was not accepting infor. So, it was mailed with tracking number : XXXX. Which was received on XX/XX/XXXX at XXXX At the end of XX/XX/XXXX a letter was received dated XX/XX/XXXX advising that they are not approving the fraud allegation request since according to them 1 ) customer benefited from use of card/participated in the purchases 2 ) customer released account information to a third party. 

This is ID theft, permission nor authorization was never given at anytime to obtain this nor any other credit cards. 
I do not know what was done/transacted with this and all the other accounts that were opened in my name. I surely did not benefit from anything. 

This was done without knowledge nor consent.
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation (AZ)

On XX/XX/2019 I awoke to several alerts on my phone showing transactions that occurred overnight. 6 at XXXX totaling {$870.00}, 1 at XXXX {$87.00}, 4 at XXXX XXXX XXXX - {$230.00}. I called the number on my card immediately. They said that they would send out some dispute forms for me to fill out. 

When they arrived almost two weeks later they only had the XXXX disputes listed. I had to calll and remind them there were others. I completed the forms and sent them back. 

This week XXXX and XXXX XXXX funds have been returned to my account. Today I received a letter stating the XXXX Dispute has been denied due to conflicting information. They did not tell me what the conflict was. 

I have called them several times and have been hung up on and basically given the run around.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a follow up to my original letter dated XXXX XXXX regarding an inaccuracies in your credit reporting, regarding the entry being reported under. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never had XXXX   XXXX never had XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX repo XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX In response I received a letter from them in XXXX? I wrote them a letter in English. 
By not replying in a timely manner ( BY SENDING THIS LETTER IN A FOREIGN LANGUAGE I DONT UNDERSTAND! ) to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance..
Consumer complaint received 2022-11-17
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

On XX/XX/XXXX I applied for a home equity loan ( loan # XXXX ) with loandepot.com, ( NMLS # XXXX ) Overnight, I changed my mind because I wasn't comfortable with the terms and on the morning of XX/XX/XXXX, I sent a text message to the loan officer informing her of my intent to withdraw my loan application and cancel the loan. Loandepot.com charged my credit card ( initially with my approval ) {$490.00} for an appraisal fee on XX/XX/XXXX and {$22.00} for a credit report on XX/XX/XXXX. Both of these fees were charged after I canceled the loan. I was told the charges would be refunded, since the services had not been performed. I followed up on XXXX asking again for the refund. The loan officer never responded to my text messages, emails or phone calls. I called Production Manager XXXX XXXX during this time period to ask for a refund and he assured me it would be processed. The original loan officer contacted me on XX/XX/XXXX and said the refund would take approximately 14 days to process. At this point it was already past 14 days since cancellation but she said to give it another XXXX days. Now it's been 27 days since I cancelled the loan application and I still haven't been refunded those fees. The original loan officer ( XXXX XXXX XXXX # XXXX ), nor her Production Manager, XXXX XXXX have returned my calls.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AZ)

PNC Bank acquired BBVA bank early XX/XX/2021. Since that time, I have not had access to 4 of my 7 bank accounts ( 2 personal, 5 business accounts ) unless I go physically into a branch. Furthermore, I received my first bank statements and I have {$23.00} in various bank charges for items I didn't sign up for such as paper statements. To make matters worse, I can not unenroll from these unwanted services until I have online access to my accounts, which I do not. I have been to my local branch 3 times, spoken and emailed the branch manager multiple times since and still have not gotten access to my money online. There is no resolution or explanation in sight after over 30 days.

When attempting to call their customer service number, a message is played to the effect that they are experiencing high call volume and to call back later at which point the call is disconnected. 

PNC Bank is clearly completely incompetent in their customer service and ability to absorb a new acquired entity.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Flagstar Bank, N.A. (NY)

Opened account with special offer {$250.00} for opening account with XXXX $ and set 3 recurring payments within 60 days. Met all requirements but newer got {$250.00} bonus.

Multiple employees confirmed that I'm qualified for this promotion and for last 3 month keep saying that it's just a technical issue with account to be credited. First call I was promised 3 weeks  ETA, at next call another 3 weeks, and so on. Last call not even ETA promised, they have " no more new information for me at this time ''. According to special offer attached it supposed to be 91-100 days which is XX/XX/XXXX-XX/XX/2018 at most since I opened account in the beginning of XX/XX/2018. Now it is XX/XX/2018 and still no money, just excuses.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

I have been banking at Regions Bank for years. Over the last several months from XXXX to the present date, XXXX 19,2020, Regions continues to charge me overdraft fees totaling almost {$700.00} during the months of XXXX and XXXX. Ive contacted them numerous times, but they only try and scold me about what I should do and theres nothing they can do about the fees. I dont receive any notice until weeks after they charge these fees and when I make a deposit before XXXX to cover the charges made, they dont post them until the day after which makes my account accumulate overdraft fees instead of posting the deposit that day before XXXX as their policy states. Many times, the overdraft fees incurred come by way of the monthly fees they charge me for the account. The fees theyve charged me are recurring for the same thing, and accumulate to more than what the actual overdraft amount is. I just need help to get the fees returned to me as well as close the account.
Consumer complaint received 2021-01-25
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. (NC)

File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP (TX)

I applied with XXXX XXXX XX/XX/2020 on line. I talked with XXXX XXXX and submitted required documents after they ran my credit file. I had a pre existing approval months before and informed her about this and after she demanded I provided her with a new application and documents. She refused to continue the loan process and would not give reason for doing so.

I attempted to reach out the CEO XXXX XXXX who ignored my calls and emails. They encouraged staff not to interact with me and as of today have not provided anything in writing for there reason for refusing to do a loan.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

XXXX put XXXX amounts due into an 18 month Promo purchase plan and after I make an online payment I need to call them to disperse money to the promo plans, XXXX in escalation and XXXX wasted my time by not moving the money to to program and they hung up on me 2x
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian is not allowing me access to my credit report and score. 

I have had an issue with Experian unfairly loading my credit score after I applied with XXXX XXXX credit card services. 

XXXX XXXX and Experian both harassed me daily with credit pre approval invitation from XXXX XXXX and credit card match emails from Experian suggesting I apply with XXXX  XXXX. 

Ever since I applied with XXXX XXXX, Experian is unfairly and deceptively denying me access to me credit report and score. During this time I asked Experian why they decreased my score by XXXX points when I applied with XXXX XXXX they never responded and I gave not been able to access my account since. 

When I enter the CORRECT pass word Experian alleges it is incorrect. When I request to reset password Experian advised they are sending a text or call to my phone number. I never received the text or call. 

I feel Experian is purposely denying me access to my account because they are in cahoots with XXXX XXXX Im trying to destroy CERTAIN consumers credit. 

Experian needs exposure, investigating, and auditing. 

Please ask Experian why they are violating my fair credit rights and why I am being denied access to my credit report.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I had a loan with 53rd bank. I worked with XXXX XXXX to refinance the loan. A pay off check was sent to them and processed on XX/XX/XXXX. The balance on XX/XX/XXXX on the account XXXX. The pay off check was for XXXX. Resulting in an overpayment of XXXX. During the time for the refinance to finish, I continued making payments, A payment of XXXX was processed on XX/XX/XXXX, taken out of my XXXX XXXX XXXXXXXX Account. The payment on XXXX was processed after the check cleared. so in total I overpaid the account by XXXX = {$1600.00}. The refund they are sending me is {$750.00}. They have no record of my payment that was made. I have evidence from their website but they continue to deny that a payment was made. They are also charging me approx. XXXX $ in interest for paying the account off. I contacted their CS over 10 times and they have no idea. The last two calls get conveniently cut off before a specialist can give me details. The math doesnt add up at all and they refuse to investigate this problem.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (MD)

I originally started the refinance process with Sofi in XX/XX/2020. Since then they have repeatedly asked for my pay stubs, bank statements, and various other documents. I've given them absolutely everything. Over the last 3 weeks they have scheduled and canceled my closing numerous times! The reasoning has always been because they haven't gotten all of the paperwork from underwriting. Well today they emailed me to say they had to pull my credit report again because what they have expires on XX/XX/XXXX. My XXXX XXXX balance has gone up and I am doing monthly payments. They tell me that they need something from my federal student loans to say how much my payments will be. They already have this. And now they want more bank statements and proof I have the reserves to pay off my XXXX XXXX which is a balance of $ XXXX that I do not have. I make monthly payments. 

I'm concerned they never planned to give me this loan. I'm concerned their may be some discrimination occurring. Please assist.
Consumer complaint received 2018-12-09
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. (NC)

Please know that I was not late on this account. I wonder why XXXX, XXXX  and Transunion report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2019-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I served in the US Military ( XXXX ) on XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. This is considered qualifying service under the Public Service Loan Forgiveness ( PSLF ) program. During this time, I made 45 required monthly payments : the first student loan payment was made on XX/XX/XXXX and the 45th required monthly payment was made on XX/XX/XXXX. I certified my employment before leaving military service. XXXX XXXX, my student loan servicer, only credited me with 16 PSLF-qualifying payments. All of my payments were made during qualifying service under an IBR and were all on-time ( I enrolled in automatic debiting ). 

When I confronted XXXX XXXX about the huge discrepancy, the reply was that I made extra payments once or twice a year and that was causing them confusion. I asked that my account be audited on XX/XX/XXXX. As of XX/XX/XXXX my account still hadn't been reconciled. I then phoned XXXX XXXX and requested an expedited audit. It has now been 4 months since I requested the first audit. I am still waiting. 

Why is it taking XXXX XXXX 4 months to count 45 payments? As my student loan servicer, they have an obligation to ensure my loan records are correct and to take action to correct them when they are not. They have failed to do this. 

I am attaching my payment history file, downloaded from the XXXX XXXX  website. I added a column to the table counting the number of required minimum monthly payments I made during my qualifying service. The number is 45. One of XXXX XXXX XXXX  accountants could have easily done this 4 months ago. It took me all of 4 minutes. I am also attaching the letter from XXXX XXXX counting only 16 of these 45 payments. Finally, I'm attaching my XXXX to prove my dates of military service.
Consumer complaint received 2021-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have sent a letters disputing inaccurate information being reported by your agency on XX/XX/2021and XX/XX/2021. Both times I tried this matter cleared up but haven't had any success
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (PA)

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/2020 2020
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (LA)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2021-11-10
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)

On XXXX XXXX, 2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.