davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Last spring ( XX/XX/2021 ) I purchased a home in XXXX XXXX, FL using XXXX XXXX for my mortgage. During the closing process I was informed by the XXXX XXXX loan officer ( XXXX XXXX XXXX ) in writing and via text message that the FEMA assumable flood policy I purchased provided sufficient flood insurance coverage for the property. I specifically discussed with the loan officer insurance ... homeowners, windstorm and flood and told them I was maxed out and could afford the loan/home if insurance costs were higher. During closing there was no document I signed that indicated the flood policy was insufficient nor any other issue highlighted that indicated there was an issue with the flood policy. Approximately 45 days after closing I received a letter from LoanCare LLC which manages mortgages for XXXX XXXX. They demanded supplemental flood coverage per XXXX XXXX guidelines. I explained to LoanCare reps that I had texts and emails from the XXXX XXXX loan officer that indicated my coverage was sufficient. At that time I reached out to the XXXX XXXX loan officer via phone and follow-up email and she responded via email that the FEMA policy should be sufficient. I forwarded a copy of that email to LoanCare LLC -- apparently to no avail as they purchased a umbrella insurance policy for way above the replacement cost value of my property and charge my escrow account over {$5000.00}. I reached out again to LoanCare to complain and explain that I might need to get legal representation as I considered XXXX XXXX to be in breach of contract. I was transferred to a LoanCare supervisor ( XXXX XXXX XXXX ) who reviewed my information and informed me they should not have taken out the umbrella policy for above the replacement cost value ( RCV ) of my home. She indicated she was cancelling it and the money would go back in escrow and she was reaching out to the insurance agency that transferred my FEMA policy to confirm if they had an RCV for the flood insurance as my current policy might be acceptable. No action has taken place and despite multiple ( over 10 ) calls to XXXX XXXX and to the XXXX XXXX loan officer, no one will now respond to my calls or emails. Additionally, there is no way to contact a live agent at LoanCare as the phone system will only connect you to automated or pre-recorded systems.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MA)

Hello, A credit card was opened by someone who stole my SSN and XXXX somehow ( assuming it was leaked data I got warnings about from XXXX security regarding accounts using my G-mail ). The credit card company was Synchrony XXXX XXXX XXXX This blemished my XXXX XXXX, so I was able to pull the following from my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FRAUDLENT TRANSACTION INFO : XXXX via XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above was not authorized by me. this was someone with my XXXX and XXXX, who got it approved. They also have my name and address. 

I immediately called Synchrony Bank and they filed an investigation for me and suggested that I reach out to CFPB. their process will take 60 days they said. 

I would like help protecting my identity and also to remove this fraudulent credit check that hurt my XXXX XXXX. 

Thank you,- XXXX
Consumer complaint received 2022-10-07
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. (NY)

There 4 hard inquiries on my report thats not mines XXXX ( Bank ) XX/XX/2021 XXXX ( Home Shopping ) XX/XX/2021 XXXXXXXX ( Bank ) XX/XX/2021 XXXX ( Home shopping ) XXXX XXXX
Consumer complaint received 2017-10-11
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: Experian Information Solutions Inc. (NC)

I am attaching a letter that I sent to XXXX, Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Consumer complaint received 2022-11-18
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2017-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a letter that I sent to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have done by, and I have not yet received responses.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (FL)

Hi, I found a seller online on XXXX by the Name XXXX XXXX. His email address is XXXX. I purchased XXXX   XXXX XXXX tickets from him and paid him from my SunTrust account via XXXX. I was able to receive the ticket but when I went to the park the tickets were void and they informed me that a chargeback was made on the card through which the tickets were purchased. I contacted my back and they informed me that they are unable to do anything with it as XXXX has no fraud protection. I would appreciate if I can get any assistance with the refund. I also have sellers phone number XXXX. The amounts that were sent was {$550.00} and {$35.00}. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: KBHS Home Loans, LLC (NV)

ESCROW PAYMENT INCORRECT, BECAUSE XXXX XXXX REFUSED TO ACCEPT MY ( TAX-EXEMPTION ) AS I AM ( XXXX XXXX XXXX XXXX XXXX VETERAN ) " EXEMPTION # XXXX '' FROM NEVADA ASSESSOR OFFICE. TERRIBLE WAY OF SERVING PEOPLE. HANDED ME MY TAX EXEMPT WRITTEN ON A BUSINESS CARD. DESPICABLE NOT PROFESSIONALISM TYPE OF SERVICE, KIND SCARE ; LED TO DISARRAY INFORMATION OF UNSCRUPULOUS CONDUCT I SHALL SAY ... ALSO ; THE MORTGAGE COMPANY SUPPOSE TO REFUND AND REIMBURSED OUR TAX EXEMPTION FROM OUR MORTGAGE PAYMENT, ONCE IT IS SETTLE ON THEIR SIDE OR WHATEVER THE CASE MAYBE. I AM SERIOUSLY CONCERNED BIG TIME ABOUT SERIOUS FRAUDULENT CONDUCT AND ACTIVITY TARGETTING PEOPLE NOWADAYS UNLAWFULLY. SO MUCH SCAMS ACTIVITY ORCHESTRATING BY BUSINESSES NOWADAYS UNLAWFULLY IN VIOLATION OF THE CONSUMER LAW FOREMOST.
Consumer complaint received 2022-01-25
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (NM)

Sallie Mae offered loans to an off shore XXXX XXXX school called XXXX XXXX University  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has their admission office and financial aid office in XXXX Tx. They have partnerships with XXXX University and XXXX XXXX XXXX XXXX XXXXXXXX. This school uses these partnerships to provide calm to worries about accreditation even though they were rejected from XXXX in XXXX XXXX. I was an unfortunate victim of this school as well as XXXXXXXX University and Sallie Mae. XXXX accepted me after they pressured me not only for a seat deposit, but for admission requirements to be completed ASAP and were demanding. They accepted me into their pre-med program stating I would get a degree. I found out later this was not accredited as a program and was given a printout of a certificate which held no value. This is when XXXX introduced me to XXXX University  because " it would be hard for me to become a Dr without an undergraduate degree '' XXXX then offered students of XXXX reduced tuition because of their partnership. They encouraged me to take out the maximum I could on loans and grants through the federal govt to use the remainder for XXXX who did not offer private loans and does not qualify for federal loans. Soon after having to start at XXXX and spending over thousands dollars at both schools, XXXX had a partnership with Sallie Mae. Sallie Mae was quick to offer a XXXX XXXX dollar loan and then cancel their partnership with the school but not offer loan forgiveness. These institutions have crushed me financially and I believe these practices are fraudulent. After all why would a private loan lender who has been in trouble in the past for predatory lending, offer loans to a unaccredited, non federal funding eligible institution with such a low graduation rate. Why would XXXX University  offer these programs in the XXXX to XXXX  students who they know have no other option. I would have never gone to these institutions if it were not for deceit and lies that I unfortunately believed because I have never needed to question a School let alone a XXXX school with US affiliations and partnerships with pretty big universities.
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Roseberry Inc. (AL)

I have a title loan with XXXX XXXX XXXX XXXX XXXX My XXXX payment was late, so they began calling my references. One reference was my father whom was unaware i had a title loan, which i wanted him to be, that i had a title loan. So they called him on XX/XX/XXXX, i then received a text from him saying i paid your title loan off in full because they kept calling me. An employee called him and he asked if i had pawned my tahoe title. if so let him pay it off. the employee stated YES. which was a lie. my title loan was a XXXXXXXX XXXX XXXX that i rarely drive, my main car is my tahoe. The employee asked my father if he thought i'd mind if they gave him my account information, he said surley not, so they proceeded to tell him my due date, late amount and pay off & accepted {$760.00} via cash payment, told him to go to the bank and bring his bank statement where it cleared and they would give him my title! I instantly tried to call them 3+ times, no answer : so i asked a friend of mine to call and let them know to please call me. They instantly answered his phone call, he told them he was calling for me that i needed to speak to them over a transaction on my account, they start telling him to tell me they're sorry, they will void the transaction, they thought i wouldn't care, they hang up and instead of calling me back, they call HiM back and tell him to tell me that i now owe {$760.00}, i have until XX/XX/XXXX to pay in full, or it'll be repoed.They then call my dad back to to tell him they sent his money back and said my " husband '' called angry and demanded a refund. I am in fact single, which they know according to my application, i have no spouse, so they're now trying to say husband as an excuse to again tellling someone my private information!
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (SC)

I applied for a XXXX XXXX. Thats what it said I was applying for. Instead I was sent another XXXX card. It is obviously a bait and switch.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # 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 2022-01-25
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)

Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXX, XXXX XXXXl XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2022-07-20
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)

The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 2022-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (SC)

I had over XXXX taken out of my account without my permission or knowledge from my personal account and XXXX taken out of a business account. I called the minute it was discovered. They took my information told me I would hear in 10 days. I called 2 weeks later and was told they had denied me and would not be helping me at all.
Consumer complaint received 2021-04-20
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: MRS BPO, LLC (MI)

Mrs Bpo Llc is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I wrote to Citibank asking them to validate a purported debt they are trying to collect from me. In addition to asking them for proofs of claim, I asked Citibank to not continue to reach out to me in attempts to collect this debt until we could come to a resolution. Citibank has ignored my requests and has also not provided me with evidence the debt is mine. I've since sent Citibank another letter asking them again to provide me with anything that supports their claims and have not received it. I need help with their relentless attempts to collect this fraudulent debt as it is impacting my mental health.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

On XX/XX/XXXX at approximately XXXX XXXX I logged onto Santander Consumer USA website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX XXXX XXXX website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX They are stating the payment was due XX/XX/XXXX I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

All my business accounts are closed for unknown reason by Wells Fargo. When I asked the bank for a reason, they would not disclose the reason. I then tried to open the business accounts with XXXX and they closed accounts again for the same unknown reasons. XXXX closed my accounts in XX/XX/2022. I want to resolve whatever issue is going on so that I can fix this problem. I have businesses to run.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (SC)

Lender has marked " account 30 days past due date tow times '' on credit report. I have never been late, it was set on automatic payment through their system. They drafted on my pay days. I contacted them on XXXX and informed them of issue on credit report. Lender stated they would investigate and contact me back. As of XX/XX/18 I have not heard back.
Consumer complaint received 2022-11-18
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 (NV)

PAID {$49.00} REMAINING {$33.00} Payment schedule Paid : XX/XX/XXXX XXXX  - XXXX - {$15.00} Processed : XX/XX/XXXX Loan terms Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} PURCHASE TOTAL {$77.00} DOWN PAYMENT {$15.00} FINANCED AMOUNT {$62.00} TOTAL INTEREST ( 29.94 % XXXX ) {$5.00} TOTAL OF PAYMENTS {$67.00} LOAN ID XXXX They are trying to tell me I am not paying XXXX in total and by their numbers yes I am.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as XXXX, Equifax, and XXXX are in clear violation of the FCRA and the FDCPA for the following violations. 

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

XX/XX/2020 Chime Financial , Inc sent a letter detailing the immediate closure of my both my checking account and credit card. there was {$9000.00} left in my checking account that Chime has continued to hold all while blocking all communication and preventing me from emailing or calling them to retrieve the money. They blamed the closure on the state of Nevada where the money came from, but it was Chime making a false and unwarranted accusation of fraud and overstepped. Chime still lists my credit as open on my credit file and refuses to remove it two years later. Chime should return my money and allow me to move on They are committed theft and refuse to resolve this matter.