davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (NY)

I recently made a purchase on XX/XX/2021, using Affirm as my method of payment at a sportswear company. Affirm stated that any purchase I made with the sportswear company would get 20 % off, and that the discount would apply automatically. I made a purchase of {$100.00}, expecting that Affirm would only issue a loan for the amount of {$80.00}. However. Affirm issued a loan for the full {$100.00}, without any mention of taking of the {$20.00} at any point. 

Despite repeated inquiries to the customer service team and even taking a screenshot of the 20 % discount offer ( which was prominently featured on Affirm 's website - I even made the purchase by using the button that appear on their site XXXX, they have been unresponsive and unhelpful with changing the original term of the loan from {$100.00} down to {$80.00}. 

Affirm was deceptive in its initial marketing offer and has issued me a loan for more than what I was willing to accept. Despite their advertising claim that their discount would be automatically applied, I see nothing in the loan documentation or company communications stating this issue will be fixed. 

Affirm has stated that the mistake was on the merchant side and that only the merchant could fix it. However, after contact the sportswear company, they have stated that the problem is with Affirm. I actually agree with the merchant because the original offer and advertisement came from Affirm, not the sportswear company.
Consumer complaint received 2021-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

See attached Florida case law. The Statutory presumption in section 673.3081 ( 1 ), Florida Statutes ( 2008 ), provides the following : " In an action with respect to an instrumen, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings ''. 

On XX/XX/XXXX, XXXX XXXX, filed a foreclosure action. In support of their action, the promissory note containing an allonge was attached to the complaint. In XXXX XXXX XXXX v XXXX XXXX   XXXX XXXX XXXX, a homeowner challenge the allege signor to the allonge filed. The court concluded that the defendant have every right under Florida Statute 673.3081 ( 1 ), to challenge the signature or any endorsement, allonge reflected on the instrument. Therefore a homeowner has every right to request any information pertaining to the signature on the instrument. 

On XX/XX/XXXX, A qualified written request under section 6 of the Real Estate Procedures Act ( RESPA ), was provided to Suntrus. The servicer replied by stating that the information seeking is considered confidential. I disagree and the Florida section 673.3081 ( 1 ), also disagrees because the information seeking pertains to a signature on the promissory note. The question is not confidential because we are NOT seeking private information as to the allegesignor place of birth, home address NOR her phone number, but simply the following questions that do pertain to the signature on the instrument. The question is as follows : 1 ) is XXXX XXXX an employee of Suntrust mortgage Inc? If yes, when did her employment start and ended? 2 ). Is XXXX XXXX a representative of Suntrust Mortgage? 3 ) Is XXXX XXXX authorize by suntrust mortgage to sign endorsement, allonges? If yes please provide corporate resolution redacting her signing power.
Consumer complaint received 2019-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I have trying to refinance and my mortgage servicer Flagstar has added XXXX to my principle balance making not possible for me to do an FHA Streamline. I first contacted Flagstar around XX/XX/XXXX to ask them why they added XXXX to my balance and they could only say that there was a shortage to them when they purchase the loan from XXXX XXXX XXXX. I asked them, what does that have to do with me and how is it legal to add principle to my mortgage balance. They just said they can do it. I have called a total of 4 times and each time they say they will escalate to management to try to resolve my issue. I was able to contact the original lender XXXX XXXX with the help of my loan office and XXXX XXXX was able to confirm that they transferred the loan with the correct loan balance and that there was a principle reduction that took place at closing in the same amount that Flagstar added to my loan balance which I believe is an illegal act. You can't just add money to someone loan balance and effect the amortization of the loan. I gave the proof that Flagstar is in error to their customer service person ( you can not speak to a manager ) and so far my loan balance has not been updated and my interest rate is expiring thereby not allowing me to refinance because I can't get an accurate payoff. This problem can be resolved in 30 minutes if I can somehow speak to a person who has the power to see the error or put that person in touch with the represented from XXXX XXXX ( the original lender ) but apparently Flagstar is so big that you can't speak to anyone that can make a decision. They quote 24 to 72 hour to resolve the issue but I am on 4th try over span of 3 weeks going on 4 weeks and nothing. You should nail these Flagstar guys as I am suffering a loss because they can't seem to get there loan servicing straight. Again, I believe it is illegal to add principle to a loan balance period. How in the world could a borrower owe more money to their principle when all payment have been made on time and the loan was originally funded with the correct principle balance. It's not possible. Please help me get through to these people. Sincerely XXXX XXXX. XXXX, XXXX XXXX
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

My employer was sending a wire to me in the XXXX XXXX XXXX {$15000.00}. He was using his business account with Chase Bank. The money was taken out of the account but was never recieved here in the XXXX XXXX. I got all of the wiring details and the recieving bank here could see that the wire was never completed, they didnt recieve any money. All Chase is saying is that they sent the money but have no evidence that it was sent at all. I had 2 different bank managers from different banks look up the information chase gave me and they both said that the money has not been delivered to the XXXX XXXX. Chase of course is saying that they did their job and to basically leave them alone.
Consumer complaint received 2021-09-26
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: ALLY FINANCIAL INC. (FL)

I am filing this Complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have written XXXX  and Equifax several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). XXXX  and Equifax has failed to provide me with proof of contract and has not removed the following accounts on my credit report.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALL FAMILY FINANCE, LLC (GA)

Hi, my name is XXXX XXXX I purchased a car on XX/XX/2018 by XXXX XXXX XXXX in XXXX Ga. The loan company is called All Family finance. I put a {$700.00} down payment on a 2008 XXXX XXXX with an interest rate of 29 % on the XXXX, drove off the lot. I was two weeks later I put down another {$300.00} on the vehicle to cover taxes and registration. I was keeping up with my payment of {$240.00} every other week with an additional {$90.00} per month because the company would not take only liability insurance they required all car be fully insured which is not Ga state law and offered partial insurance coverage for the price of {$90.00}. I continued to pay my car payments as well as the insurance payment, also known as the CPI payment totaling to {$570.00} per month. 

In XXXX I had XXXX, to receive a XXXX  XXXX XXXX. In XXXX, I was terminated from my job and I got on unemployment. In explaining my situation to the company, I alerted them of my financial situation and how I was doing my best to keep up with the payments. I fell behind because my income from unemployment was not enough to cover my payment or living expenses. All Family Finance continued to harass me calling my family members, leaving voicemails and messages calling me up to 10 times a day. When I finally found another job I sent them a partial payment right away altering them of my new payment schedule. Thet continued to call non-stop and when I would offer to pay at least half of the payment amount they refused to take my payment over the phone. Last week they said my balance was {$1000.00} I paid half of {$540.00} and said I could pay the other half my next pay period. The next week a woman name XXXX from the repossession department called saying if I didn ; 't bring my car up to current they would disable my car and come and take it away. I pleaded with this woman saying I just paid her {$530.00} last week I needed to get to my next pay period but she refused to listen and said I had by Friday or they would come and pick my car up. Now my car is disabled and they are harassing me daily to pay the balance of {$540.00} dollars. 

I went through a financial hardship and I did my best to try to pay on the car at least half the payment every month. I am only one full payment behind and they are being extremely ugly. The amount I am paying on this car is 10 times worth the amount! it has XXXX miles when I got it and the balance on my loan is still at {$12000.00}. I desperately need help to get from under this situation.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (TX)

I went to pnc bank previously BBVA on XXXX XXXX XXXX XXXX tx to cash a check for XXXX teller gave me XXXX went back to the bank to get corrected XXXX XXXX the manager basically kicked me out asked me to come back Tuesday, I got a call from XXXX XXXX customer service asked me come back on Tuesday to get this taken care of and HE would walk them through the issue waited there for 4hrs just to get no help from anyone Went to XXXX to thank her for NOT doing anything and had the audacity to say your welcome have a great day This is robbery the check was written for the XXXX amount and chose to do nothing.
Consumer complaint received 2022-08-12
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. (GA)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$690.00}XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (OH)

I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint XXXX
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (TX)

Bought a Kia XXXX and per the Dealership - used their GAP claim company EFG companies. After an accident in XXXX - EFG Companies never paid the GAP claim. They kept claiming KIA never sent them the proper documents ( Legible contract/Settlement Check/Payment history ). This has been on our credit since. We thought it got taken care of in XXXX when we sent the information we had to EFG ( again ) and KIA stated they would send the documentation. Per EFG they never sent the correct info. KIA ( the party responsible for 1 ) recommending this company and 2 ) NOT sending the required documents ) put this against OUR credit, even thought it was their negligence on not getting the documents to EFG that they told us they would.

Upon discovering this is STILL on our credit, WE spent the time trying to gather all of these documents that KIA failed to deliver on. Finally, EFG has sent a check to KIA for the GAP claim. We want this removed from our credit as we were NEVER late with our payments. This failure was on KIA 's side when they claimed they sent the documents in. KIA should not have recommended a company they have such difficulty with. They should not have told us the documents had been sent in. They should NOT have filed anything against OUR credit when it was NOT our responsibility to pay as we bought the Gap Coverage THROUGH them and it was documents THEY HAD that would get the claim paid.

KIA was not helpful at all in getting this resolved. We had to contact our old insurance company to get a copy of the Settlement check that KIA cashed. We had to figure out our login to KIA to get our payment history. I had to scan 20+ pages of a contract ( luckily still had it 5+ years later from when we bought the car ) to get something resolved that KIA could have resolved instantly. Yet through the entire process of getting this fixed ( long strings of emails I can also forward ) they were silent and absolutely useless. They did nothing except harm our credit over something that they had complete control over.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE (ME)

Runoff mortgage doesn't seem to want to pay for insurance on my house even though they are supposed to. I contacted them before closing and after stating the insurance policy hadn't been paid. They tell me they will take care of it, now months later I receive a cancellation notice from the insurance company stating it will be cancelled on XX/XX/XXXX. I called the company yesterday and they said they would take care of it. I filed an online complaint with them last night and still haven't received any update on getting the policy paid for. They did collect the money at closing, so they have been sitting on my XXXX dollars and using it for their own purposes and not mine.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (AZ)

I made an agreement to pay a debt in full with a promise from the debt collector that the debt would be deleted from my credit report. I kept my promise and paid {$340.00} on XXXX-XXXX-2019 in full. This collection agency has failed to remove this item.
Consumer complaint received 2022-01-08
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. (PA)

I am writing this letter simply to remove information being reported to my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove thern to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2022-08-24
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-22
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/21, I was immediately charged me for XXXX products totaling {$79.00}. I never received these products and nor were they ever shipped. I was told to email XXXX party vendoXXXX XXXX and XXXX for a refund. NO phone number & NO address. I have emailed XXXX & XXXX numerous times with NO response. This company is in the XXXX XXXX. I can't believe they were given my information!! I'm a retired senior citizen. I closed my account due to this. I would like my money back. Also, there are numerous complaints about this same situation from other consumers. Thank you for your attention to this matter.
Consumer complaint received 2022-08-24
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-24
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. (NC)

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to what is 15 usc 1681 b ( 2 ) this company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). 
Remove these accounts : No Account Name XXXX No Account Name XXXX No Account Name XXXX
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (VA)

Quicken mortgage - I lost my Job early in the pandemic. My income has been greatly reduced. Quicken put me in a 6 month Forbearance. Then applied for a loan mod to make my payment affordable. I assumed they would modify the mortgage and reduce the rate.my loan is XXXX XXXX. They have published the rate reduction MOD. I asked what the rate would be, I was told they cant answer that question. 

I made the three payments and my loan was finally officially modified this month. 40 year loan, rate 4 %. Payment barely went down. Plus my mortgage balance was increased by {$9000.00}.

I body in their resolution department can answer the questions I have. Twice I asked to speak to a manager. I was transferred to voice mail of some one that had an away message. I sent them another e-mail with several questions. No response.