davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OK)

I was given a Lowe 's credit card without my consent which then hurt my credit. 

My credit report shows that my account with SYNCB/LOWES was opened XX/XX/XXXX without my approval. I had visited XXXX 's probably 10+ times around that time period and was always asked if I wanted a card to which I declined. 

I was made aware of the fraudulent card on my account when I checked my credit report today ( XX/XX/XXXX ) and it showed a XXXX point loss to my XXXX value. This occurred from a decrease in the limit to the XXXX 's card that was taken out in my name. 

To my knowledge I did not receive a card. I have also never made a charge to this account.
Consumer complaint received 2022-07-29
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (WA)

I am a Gemini Earn customer. I possess funds in Gemini Trust Company , LLC, that I put into Gemini Trusts Gemini Earn program. These funds consist of {$130000.00} XXXX and XXXX XXXX. I attempted to redeem my callable loan of these funds on XX/XX/2022, and received a message that my funds would be transferred to my XXXX account on or before XX/XX/2022. I have still not received these funds -- the transaction has remained indefinitely " Pending. '' On XX/XX/2022, I used the Customer Support portal to direct Gemini to terminate my loan to any Borrower parties, pursuant to the terms of the Gemini Earn Program Terms and Authorization Agreement, which states in Section XXXX ( Making Loans to Borrowers ) that I have the right to direct [ Gemini ] to initiate action to terminate any Loan made under this Authorization Agreement in accordance with the terms of the Loan Agreement. 

Furthermore, the Master Loan Agreement states the following in Section XXIII ( Term and Termination ) the following : This Agreement may be terminated by any Party by providing thirty days written notice to the other Parties. In the event of a termination of this Agreement, any Loaned Assets shall be redelivered immediately and any fees owed shall be payable immediately. This Master Loan Agreement has since been deleted from Geminis website. 

On XX/XX/2022, I received a response to my demand for loan termination, saying that there was no further information and that I should await updates. To be clear, I was exercising my contractual right to terminate my loanI was not seeking further information. I messaged Gemini Support again later that evening of XX/XX/2022, to clarify that Gemini had not substantively addressed my request. 

On XX/XX/2022, I again directed Gemini Support to terminate my loan, again using Geminis online portal. I have thus far received no response to this message, but I received a reply to my second message from XX/XX/XXXX, stating that Gemini Support was working on my request and would follow up laterGemini Support gave no timetable for when it would effectuate my request. 

In summary, I have exercised a right delineated in my user contracts to terminate a callable loan, and not only has this request not be fulfilled within the promised timeline ( XXXX week ), but my demands for loan termination have essentially been ignored, which is unacceptable conduct from a party ( Gemini ) that holds itself publicly and contractually as the Agent for the Lender ( me ). 

Thank you for your time and prompt attention to this pressing matter.
Consumer complaint received 2022-12-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (HI)

My loan servicer, Loan Depot, is trying to take advantage of my situation as I try to resume payments following a COVID forbearance. My forbearance period ended on XX/XX/XXXX with about 12 months of past due mortgage payments. I indicated to the servicer that I was ready to resume my normal payment but needed an alternative to paying back the past due amount as a lump sum. I contacted them in XXXX several times and they finally initiated a loss mitigation review on XX/XX/XXXX. 

At that time, the XXXX  was still offering the XXXX  XXXX XXXX XXXX ( XXXX  ) until XX/XX/XXXX. My account was not considered for this loss mitigation method. Instead, underwriters at Loan Depot sat on my package for nearly XXXX months. On XX/XX/XXXX, I finally received an offer to resume payments. 

That offer came in the form of a terribly worded Trail Payment Plan letter where I saw that my payments would be increasing by over {$500.00} per month. There was no financial justification provided in this letter for the increase in payment amount, nor any details of the loss mitigation method that was selected. 

I had to call the company several times to basically pull the information I was looking for from them. I am being told that these trial payments are because they are proposing a loan modification where they will increase my interest rate and add my past due amount to the principal balance. 

I was told that the last date to apply for the XXXX  program at Loan Depot was actually XX/XX/XXXX. This internal deadline was never communicated to be prior to XX/XX/XXXX or I would have considered applying earlier. 

I am very frustrated at the misleading language of their trial period plan letter and the fact that they did not consider me for a VA program which I was eligible for, interested in, and would have been in my best interest. 

Additionally, the XXXX  informed me that they still have a COVID Refund Modification program available until XX/XX/XXXX. This is yet another program that would be in my best interest that Loan Depot hasnt considered for me. 

They threaten forbearance and use scare tactics to try and bully customers out of forbearance. They dont consider us for programs upon which we are eligible. And when they do make a loan modification offer, they are cryptic and withhold critical information such as interest rate changes.
Consumer complaint received 2022-06-08
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 have been disputing several negative elements of my credit for more than 90 days and I have not obtained any result or response from the credit bureaus. I am trying to fix my credit because I want to buy a house, however the bureaus have been very irresponsible with my case.
Consumer complaint received 2022-07-02
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. (NC)

XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  these inquiries were not made by me XXXX XXXX, equifax, XXXX and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (OH)

XXXX from affirm ( XX/XX/22 at XXXX ) said my account with affirm will be deleted and my money refunded on XX/XX/XXXX. I have this phone call recorded.I am tired of being forced to pay this loan when I do nopt have the merchandise I am tired of being lied to by affirm. I do not owe this loan and I am being blackmailed to pay. 

Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being blackmailed by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted
Consumer complaint received 2022-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-02
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. (GA)

I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account Name : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX, 11. Account Name : XXXX  XXXX Bankruptcy Account XXXX : XXXX
Consumer complaint received 2022-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022, the mortgage payoff amount was tendered for full satisfaction to Wells Fargo Home Mortgage by notary presentment registered mail XXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$110000.00} Bill of exchange Money order # XXXX.
Consumer complaint received 2022-12-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Sunlight Financial LLC (VA)

on XX/XX/2022 the know XXXX XXXX XXXX installed a ground mount solar system at my address consisting of of 26 400 watt sil fab solar panels and XXXX  components ( cost XXXX ) the system was installed improperly as per XXXX XXXX ( XX/XX/2022 ) and the system was never given permission to operate, the system has not produced one once of electricity, but I am expected to pay for the system? prior to this before installation the salesman promised me at least XXXX XXXX electrical off set XXXX $ cash back just for going solar ( never received ) and promised I would receive a large check from the XXXX XXXX XXXX that would drastically reduce my payment on my loan and recommended that I put that towards my loan or my payment will go up an extra XXXX dollars a month after 17 months, ( Balloon payment ). the initial loan was brokered by Sunlight financial whom does not currently have a license to do business in the state of Virginia were I live. I never received an option to cancel and did not receive the true information about the tax credit until after I signed the paperwork several days later, from this point my loan was sold to XXXX XXXX XXXX XXXX and ( they have not provided me with any loan paperwork either ) see previous complaint that I filed and was closed. XXXX  XXXX was unwilling to work with me at the time and are currently expecting payment for a derelict system that does not work and was not delivered as promised I believe this could fall under serval circumstances 1 Holder rule 2 Lemon law 3 Fraud XXXX XXXX has had a law suit against XXXX since last year and have known of the problems or potential problems due faulty installation and potentially faulty products yet the still installed this systems anyway I did not have to be involved in this mess XXXX  XXXX  and sunlight financial new exactly what they were doing ( a time line can easily prove this ) for the love of money and greed ( FRAUD ) many people are involved in this mess and it should have never happened I feel these companies ran individuals credit saw what it could bare and priced the systems they sold to me and many others for as much as they could get out of us and left us with junk there is defiantly a pattern here thank you
Consumer complaint received 2022-09-22
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. (FL)

CFPB + Equifax, on my XX/XX/2022 Equifax credit report there are 6 unauthorized hard credit inquiries I am disputing and would like removed from my credit report - attached to this complaint are : - drivers license - social security card - address - letter - screen shots of all 6 Please have these 6 unauthorized hard credit inquiries removed from my credit report as soon as possible.
Consumer complaint received 2022-09-22
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. (LA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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. (PA)

I am consumer XXXX XXXX and I'm reporting EQUIFAX who has continuously reported my private nonpublic information without written my consent and did not have PERMISSIBLE PURPOSES to so so. My private information was and still is compromised in the 2017 EQUIFAX DATA BREACH. EQUIFAX has caused the consumer grave harm and financial hardship. EQUIFAX has committed identity theft by reporting, selling, and furnishing my private information without my written consent. Harm has been caused before my information was in the data breach and the consumer will forever be harmed knowing my private information has been breached do to the noncompliant and willful negligence by EQUIFAX. EQUIFAX has violated my privacy, has violated my consumer rights pursuant to the Fair Credit Reporting Act. EQUIFAX has a fiduciary duty to protect my private information if they had my consent in which they did not. EQUIFAX did not have my consent and they failed to protect my private information. EQUIFAX also violated the Gramm Leach Bhilely Act 15 U.S.C. 6809. Consumer is sick and stressed out every day do to worrying about my privacy
Consumer complaint received 2022-09-22
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: SYNCHRONY FINANCIAL (NV)

I NOTICE A HARD INQUIRY IN MY CREDIT REPORT FROM PAYPAL via SYNCBVENMO ON XX/XX/2020 WHICH I M NOT AWARE OF!
Consumer complaint received 2022-04-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX Co - Account XXXX XXXX XXXX XXXX Associates - Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-22
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. (VA)

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

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

There were unauthorized withdrawals made from my twXXXX checking accounts XXXX totalling XXXX dollars. I was at XXXX at the time with my debit card and the withdrawals were in the XXXX. After receiving an email from chase regarding fraudulent activity on XX/XX/XXXX I called and filled claims. Temporary credits were made to my account but later on XX/XX/XXXX and XXXX chase took back the credits. I explained that I was not in the US at the time of the withdrawals and transactions I did at the airport and hotel proved it but i still lost the claims bc my pin was used for the withdrawals. I would like a thorough investigation of this matter bc im sure that this also happened to other individuals who used the ATM machines at chase XXXX XXXX XXXX.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

Nelnet XXXX XXXX ( " Nelnet '' ), either through negligence or malice, has caused me damages as a result of their irreverent handling of tuition refunds. 

Specifically, Nelnet has made multiple mistakes that have resulted in an ACH transfer being reversed, as a result of this reversal my bank account is likely to be charged one or more overdraft fees. Worse, Nelnet has purposefully delayed a refund of {$930.00} dollars in an apparent attempt to ensure that I would be charged overdraft fees. Outrageously, Nelnet has reordered their ACH transactions to ensure that withdraws are processed before deposits. 

In detail, I have been owed a {$930.00} refund for over one week now. However, despite promising to provide a refund in a couple of days Nelnet has not even started the process of initiating a refund and has instead focused on withdrawing nearly {$4000.00} from my account in an out-of-order manner. 

If Nelnet has processed transactions in their logical chronological order wherein the {$930.00} refund was executed first then it is likely that the current torturous activity of Nelnet and resulting damages may have not occurred or been limited in scope.