davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
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: Lending Club Corp (NV)

While reviewing my free annual credit reports from XXXX, XXXX, and XXXX, I noticed an open account with Lending Club from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX/LENDING CLUB '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (FL)

My name is Ms XXXX and my brother mistakenly paid his credit card bill with my checking acct. The acct was only on his because i helped him make a 1 time payment 2 months prior. The date was XX/XX/XXXX he made a paymemt online for XXXX from my XXXX XXXX XXXX and he meant to use his XXXX XXXX   information. We called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. They said it will be in my account on XX/XX/XXXX. I called back on XX/XX/XXXX and they said I have to wait for another approval. I contacted my bank today and I would've done this sooner, I was told to let the company help first and they lied and cheated me. I want a full refund for products I don't own and never received.
Consumer complaint received 2019-01-12
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. (AL)

Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.
Consumer complaint received 2020-08-13
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: Brightfunders, LLC (LA)

Mortgage lender XXXX/XXXX  XXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.
Consumer complaint received 2019-01-12
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. (CA)

According to my recent credit report request from XXXX, Equifax, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX, Complaint ID : XXXX, among other things, for national origin discrimination. Since then, Chase Bank has retaliated against me by denying me credit ( a credit card on XX/XX/XXXX ) even though I have an excellent credit history. They also retaliated against XXXX XXXX XXXX by requesting the same information from him over and over ( a photocopy of his social security number which he promptly faxed over to them ) for his credit card  application. Mind you, other than harassment and retaliation they have no reason to ask for said information. Furthermore, they have his information readily available as he is a Chase customer for over 15 years. 
Not only they denied me credit on XX/XX/XXXX but on XX/XX/XXXX they went ahead and closed one of my other chase credit card account. 
I am alleging that Chase Bank is retaliating against me based upon my national origin complaint filed against them.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

In the last 4 years I have applied for several mortgage modifications from Wells Fargo. They always found a reason to deny me. Mostly they've said that my debt to income ratio was too high and I didn't make enough money. after a few court battles, they won the right to foreclose on my home. In XXXX they sent a letter saying 'we 're here to help you ' so I called and spoke with a representative. She reviewed the history and acknowledged that there were some opportunities that were missed on their part. She asked me for income and asset documentation which I submitted. I was asking to re-instate the mortgage and make the arrears a 2nd mortgage. During the underwriting process Wells Fargo stalled the 'active foreclosure ' status. I received a phone call from a manager who told me that they can not help me because " I make too much money ''. Wells Fargo sent me a written notification that included a letter saying that i was approved for a short sale and that I should submit the acceptance form. Fearing that I am losing my house to foreclosure, i sent in the form. However also included in the package was a form to Appeal the decision. There was no denial letter so i don't have a written reason to appeal. Additionally the letter says that i can do a deed in lieu of foreclosure if I contact them. No one is answering the phones there. It's all automated and no one is accountable. I fear that I will lose my home
Consumer complaint received 2020-08-18
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. (OH)

This account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


XXXX XXXX XXXX # XXXX
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. (GA)

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 2020-08-18
Product: Vehicle loan or lease — Lease
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: Carvana Group, LLC (NY)

XX/XX/2020 I completed a trade in with Carvana and was given a non-resident XXXX   temp tag and registration and I reside in XXXX. Upon receipt I realized the temp plates were already 3 days old. My problem stems from the fact that Carvana failed to disclose that the transfer of plates and registration would take 6-8 weeks, which would be a deal breaker to me due to the fact I would be illegally driving this vehicle for a possible 25-30 days. When speaking to a Carvana Rep she stated the companies position was, sorry but there's nothing we can do for you. I suggested a rental, and was rebuffed. Full disclosure could have prevented this oncoming catastrophe, with no relief in site. Have no alternative but to knowingly break the law with expired tags and pray if caught the legal consequences are not too severe. Worst of all is their position on the matter, totally uncaring and remorseless, for this abominable business practice.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (LA)

I was effected by COVID-19 & I explained that to them & they say that theyll work with me & they reported me60 days late & I was effected by COVID-19 & they told me that they would work with me under the cares act
Consumer complaint received 2021-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (WI)

I started trying to contact University Accounting Services on XX/XX/XXXX with regards to 2 student loans from XXXX XXXX account name : XXXX XXXX XXXX, although my name at present is XXXX XXXX XXXX - XXXX : XXXX ). I became aware that these loans were STILL not paid due to a background investigation that was being done by my new employer, XXXX XXXX. I was advised by the XXXX ( in charge of my background investigation ) that, in order for my clearance to be granted and to continue my employment, I needed to contact UAS to set up a payment plan and make the equivalent of 3 months worth of payments. It needs to be noted that setting up the aforementioned payment plan is made significantly more difficult by the fact that the loans are as old as they are. Initially, UAS didnt seem to have a clue about how to proceed with this. After a couple of weeks, it was determined I needed to file a rehabilitation deferment application before a payment plan could be set up. I was sent the wrong form, contacted UAS again and requested the correct form, but never received it. After multiple calls about the form, it was determined a rehabilitation app had been filed on my behalf, but, yet, no one had bothered to TELL me this, causing me to waste my time trying to figure this out. I have sent multiple emails to a representative by the name of XXXX XXXX, asking for an update and, yet, have received nothing. On yet other calls to UAS Ive been told that I needed to set up the payment plan with my XXXX mater, XXXX, NOT them, which is incorrect. This whole situation is a HUGE mess. Trust me when I say I have provided the " summarized version '' here. At this point, I can do nothing to resolve this until UAS gets their act together
Consumer complaint received 2019-01-12
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: SUNTRUST BANKS, INC. (TX)

My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I opened a savings account with TIAA Bank on XX/XX/XXXX with an initial deposit of {$56000.00}. I have only received one bank statement from them in this time. On XX/XX/XXXX I tried to sign up for online banking and to use the mobile application. I created a user name and password but was unable to login even after being text a security code. I called customer service and they said IT wasnt there to assist me and would have them call me on that Monday. Nobody called and I called TIAA on XX/XX/XXXX and spoke to XXXX XXXX, again nobody could assist me and I was told IT would call me. I called again on XX/XX/XXXX and spoke to XXXX XXXX again and again nobody could help me and was told IT would call. I called on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX speaking to XXXX XXXX, XXXX XXXX, and XXXX XXXX and again IT wasnt there and nobody could assist. At this point in time I am beyond frustrated and upset with this bank for its poor customer service and empty promises of a simple call back. Since I havent received account statements and I am unable to access my accounts with modern technology I pray my money is still there. I would greatly appreciate any assistance from the CFPB with this matter.
Consumer complaint received 2020-08-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

To whom It may concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on my account During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank you.
Consumer complaint received 2020-08-18
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CommonBond, Inc. (SC)

I was checking rates to see if I could save money on my student loan ( which has a relatively low outstanding balance ) and was referred to Commonbond. After discussing their loan to get rates for a few minutes it became obvious that they were NOT ABLE TO COMPETE with my current rate, but I was really disappointed to hear " we don't offer our services self-employed individuals ''. I told the representative that I had all of my schedule C tax returns going back 10 years proving more than adequate income along with current proof that my income situation has not changed - in which she replied " we've chosen to not do business with self employed individuals at this time ''. I feel this is a generic move which is obvious discrimination against self employed individuals and has prompted me to NEVER attempt to do business with this bank moving forward. I advised the representative that the bank was discriminating against an entire group of individuals without basis and her manager called me shortly after. She told me they were not discriminating, but chose not to do business with self-employed. The fact is I have an 800+ credit score and an outstanding D/I ratio ( which is why commonbond couldn't compete with my current rate to begin with! ). All of this is easily documented because the IRS knows a XXXX of a lot more than Commonbank. They provided this information to me with NO FINANCIAL INFORMATION FROM ME. I believe it is important for every bank to NOT MAKE JUDGEMENT-BASED DECISIONS WHEN IT COMES TO LENDING. This is the same exact behavior that leads to denying minorities loans. What exactly is the difference between refusing my refi without any financial proof - just because I'm self-employed and refusing my refi without any financial proof because of what I look like? COMMONBOND IS A DISGUSTING BANK THAT MAKES SNAP DECISIONS WITHOUT LOOKING AT ANY NUMBERS. They should be ashamed of their policy and I'll be spreading the news that this bank discriminates regardless of how much money people actually make! Self employed people typically have to work twice as hard to pave their own way - just to get this IGNORANT response from SOME banks.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WI)

The issue as I understand it is Care Credit Master Card has applied my payments FIRST to " Promotional Balances, '' which allow 6 months to pay without interest, rather than on " Standard Purchases, '' which if not paid within the month, accrue interest charges. I have made telephone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, without resolution. I asked that my payments be applied to " Standard Purchases '' first, to avoid interest charges. Instead, the interest charges have increased to {$41.00}. I am sending a letter to Synchrony Bank, detailing the conversation with various service customer representatives.
Consumer complaint received 2021-07-14
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. (CO)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2019-01-12
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. (IN)

I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical  services from the facility or hospital.
Consumer complaint received 2019-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX .

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Master Finance Company (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Master Finance. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

P.N.C Bank has repeatedly treated me UNFAIRLY ( 12 USC 5531C ( 1 ) ( A ) ) and violated Real Estate Settlement Procedures Act ( RESPA ) ( 1024.41 ( b ) ( 1 ) by not providing me any modification options for my mortgage loan and now I am on the brink of losing my home. I have sent modification paperwork several times ( 3 total ) to the loss mitigation Department in the past ( 6 ) months and only to be told that they need more paperwork. The most recent time I sent the paperwork ( full loss mitigation application ), I got a response on XX/XX/2018, stating that I did not send the requested documents, but was rather told, that they have not received the requested documents.

PNC Bank has given me multiple Single Point of Contacts ( SPOCs ), and they all seem to be inadequately trained to handle or provide any loss mitigation options to me, but rather P.N.C Bank has threatened me with foreclosure proceeding ( s ) and stated they will report negatively to the Credit Bureaus. The SPOCs misplaced my paperwork and have not picked up my phone call ( s ) or returned them on time. P.N.C Bank misplaced my paperwork several times and stated they have not received it ( see attachments ). These tactics are abusive towards me and other consumer ( s ) and P.N.C needs to be held accountable for violating Consumer Protection Law ( s ) because I am losing my house because of PNC Unfair, Deceptive and Abusive tactics.