davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LoanCare contacted me via a mailed, written Escrow Analysis on or about XX/XX/22. The document explained that my loan account had an escrow shortage of {$10000.00}. It further noted that I could submit that amount in full to correct the shortage and reverse the resulting increase in my monthly mortgage payment. 

I mailed LoanCare a check for the full amount of the escrow shortage of {$10000.00} on XX/XX/22. The funds were received by LoanCare on XX/XX/22. According to their records, {$7100.00} of the {$10000.00} was labelled as " curtailment '' and sent to the principal. However, the entire amount should have been applied to the escrow account instead. 

I contacted LoanCare initially through their online contact form on XX/XX/22 and asked that the {$7100.00} amount be re-applied to escrow. That request was unsuccessful as I was not recontacted by the company. 

I subsequently contacted LoanCare by telephone on XX/XX/22. I repeated my request and was told that the reversal or re-application of funds would be processed within 5 business days.

I re-contacted LoanCare by telephone again on XX/XX/22 as the re-application of funds had still not gone through. I was informed that the request on XX/XX/22 " was not clear '' and that the request would be submitted again with more detailed description.
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INVESTORS BANK (NJ)

I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty.
Consumer complaint received 2022-10-06
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX {$830.00} 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 2022-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CO)

I was sent an XXXX XXXX debit card. The card was sent to by by XXXX. It was associated with my name and SSN. However, I never requested the card. Weirdly, it had my correct name and address. 

I contacted the company to request immediate cancellation. XXXX confirmed that they bulk-send cards out " hoping that [ consumers ] will find value '' in the card and continue using the service. When calling the company, I had to validate I was who I claimed to be by verifying my correct SSN. 

This business practice poses a very high risk that the card could fall into the wrong person 's hands and could, in turn, have adverse impact on credit scores. Given the sophistication of scams today, it's also amazing that a company would think it's OK to send these types of " offers '' out to the general public. Calling into a " call center ' and having to pass along sensitive information that was never provided to this institution in the first place is a great way for scammers to get financial information needed to open fraudulent accounts.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (AZ)

I reached out to the company Self Financial Credit card on XX/XX/2022 because I notice they were reporting a late balance on the account after it was closed and the deposit was sent back to me for the remaining amount over six months ago. Now after the account has been closed over six months they are reporting a late balance and stating I owe XXXX. I believe they are reporting false information and this is causing my credit score to lower due to the late balance. I try to login the account to see why they figure they was owed after they sent a deposit back to my bank account but I'm unable to gain access. I sent them an email on the site and that when they responded stated this amount. I was unable to load my inital request on the email
Consumer complaint received 2021-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SHABANA MOTORS (TX)

On XX/XX/2021 Shabana motors received a certified promissory note, also documents conditionally accepting responsibility for whatever alleged debt they have been reporting to my credit report, predicated of course upon proof of claim from Shabana Motors validating debt pursuant to fdcpa, fcra. Shabana in those debt verification where notified to cease any debt collection activity until they verify debt. They have refused to remove fraudulent inquiry from credit report although they failed, refused, or was unable to validate any debt. These torts by Shabana Motors are adversely affecting my credit and character and is infraction of fdcpa and fcra please advise.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DSNB MACYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-04-14
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. (FL)

I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.
Consumer complaint received 2022-01-20
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

For 3 months, Synchrony Banks automated system has been taking money from the wrong account. When paying your bill you have 3 options- Choose the Date, Choose the account, Choose the amount you pay. Pretty straight forward, until you hit SUBMIT and the payment automates to whatever account their system chooses to use for the payment. 
I removed the accounts that were " ACCIDENTALLY '' being drafted with the operator- I made a direct payment with them, and the money finally came out of the correct account. This had happened 2-5 times, over drafting an account that I do not have the option to put funds into, so when they would take the payments I would cancel them trying to reverse the computer 's " ACCIDENT '' and not only has this over drafted that XXXX acct for payments, Care Credit/ Synchrony is closing my account stating that I made too many " unfaithful '' payments- so I asked to speak with their managers- they ALWAYS hang up on me. This is not a single or couple times, this has been going on for months- I have tried to call and respove this issue for 3 days and they keep hanging up and not transfering me past a customer service person who states the issue is mine and all mine, not their system. Their automated payment system is faulty and they are making it my problem, and telling me i have to open a new account now. THis is exactly what XXXX XXXX was doing in 2010!
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo allowed someone to remove my name from an account opened by me with my money transferred to open a business account. I wasnt informed nor asked to come in and show ID to remove my name. All I received was the run around and even my attorney was ignored by them. All fraud and they took my money. This fiasco started in 2020 and Wells Fargo has yet to respond, or rectify this situation for my business. Ive literally had to postpone even our granted 501c3 status has been affected.
Consumer complaint received 2022-05-19
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX I disputed online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I sent out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
I have multiple fraudulent inquiries on my account as well as accounts.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I was current and XXXX XXXX XXXX XXXX until COVID 19 hit, XXXX XXXX  was closed and I had a great reduction in income I have been in the forbearance but it ended and I was approved for a deferment then I was service transferred. My understanding was I would be current but I was told yesterday I am behind due to the time lag it took for Fay servicing to get my loan updated and in the mean time Fay servicing would NOT accept payments I can afford to make normal mortgage payments but cant reinstate the loan or afford a higher payment, please put the payments in the loan so I can be current and keep my home I AM NOT receiving unemployment My other property that has the exact same situation located at XXXX XXXX XXXX XXXXXXXX GA serviced by Fay Servicing with loan number XXXX was approved for a repayment plan I have the exact same financials used for both but the normal payment for XXXX XXXX XXXX is {$390.00} and the normal payment for XXXX XXXX  is {$560.00}. Please re review my loan for the repayment plan as it should be qualified more than XXXX XXXX  was with a higher mortgage payment and same delinquency as both were current when COVID 19 started I and my wife are XXXX XXXX XXXX XXXX who served in combat in XXXX and we want to avoid foreclosure and keep the home.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (MO)

I tried to talk to the company and the people are rude and disrespectful, advised that this is my son 's debt and that I was told by the company that my check would just add to his income, and asked them multiple times that I wasn't the cosigner and I was told correct. Then when this debt showed up on my credit I called the company and they had been bought by the school that my son was going to for similar tactics with students, my son left maybe XXXX weeks before his roommates and they received money back but they placed this as a credit collection. Again I have even disputed the debt and asked the company for a settlement amount and they advised they had no way to contact the company and I have tried and all numbers are disconnected. I feel this company used this false tactic and lied from the beginning. The company procollect is rude and calls at different times to the point I let it go to my voicemail.
Consumer complaint received 2022-01-20
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-07-09
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)

I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX  XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.
Consumer complaint received 2022-05-19
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: CITIBANK, N.A. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 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 a purpose.
Consumer complaint received 2022-05-19
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: STERLING JEWELERS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 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 a purpose.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (CA)

Greetings, I am writing this complaint with regards to my Netspend account ( Acct. # XXXX ). I previously wrote to CFPB ( XX/XX/2021 ) and Netspend ( XX/XX/2021 ) ( see attachments ) regarding the closure of said account and have yet to receive a response. Netspend canceled my debit card and locked me out of online banking without sending me funds owed from my account. I am unable ( at this point ) to check banking statements and none have been delivered to me. 
I am requesting to review the last three months of my Netspend account statements XXXX XXXX XXXX ) and the return of all monies owed. 

Thank you, XXXX XXXX
Consumer complaint received 2022-01-20
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: GOLDMAN SACHS BANK USA (MO)

On XX/XX/2022 I engaged in a consumer credit transaction with Apple Card. Apple Card sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated XXXX XXXX XXXX is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with XXXX several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, XXXX is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. XXXX have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as XXXX have continued to diminish the value of my consumer credit report.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Around XX/XX/2022 to about the XXXX of XX/XX/2022. 
I had made transfers from my bank account to Coinbase in order to fund the scammer named XXXX XXXX XXXX / XXXX XXXX XXXX. 
I tried to withdraw my money but was unable, they kept telling me that I need to pay taxes and give them more money in order to withdraw the funds that were already there but every time I did that they asked for more and i was never able to take my money back. 
I lost an equivalent of XXXX USD.
Consumer complaint received 2022-01-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (UT)

Hello, with settlement that was recently announced, I feel more confident in asking that my private student loan ( taken out while attending XXXX university ) be discharged. XXXX marketed Sallie Mae as a preferred lender, and engaged in deceptive and coercive tactics to obtain enrollments, I was encouraged to enroll and take out a private loan, and I was not supported in my program once admitted. When I called Sallie Mae ( now Navient ) years ago to address this, I was coached into forbearance which drove my balance up. With the principal and interest I have paid already, can you let me know what next steps I need to take to get my private loan discharged. Thank you!
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

XX/XX/2022 Wells Fargo Account was open not by me it's under investigation. I'm trying to protect myself. I'm also trying to protect my credit report according to my credit report someone has been taking loans and car loans. I need help and protection. I don't know how much well fargo was for or what state.
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I was discriminated against by the Chase Bank at XXXX XXXX XXXX, XXXX, CA XXXX. I was incorrectly told by the Chase banker that a XXXX XXXX XXXX XXXX is required to open a checking account. My husband called the Chase customer service phone number and spoke to a Chase telephone customer service representative named XXXX who informed him that a XXXX XXXX is not required to open a Chase checking account.
Consumer complaint received 2022-05-19
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. (TX)

I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.
Consumer complaint received 2022-05-19
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: Choice Recovery, Inc. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 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 purpose.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I have a bill from XXXX of XXXX dollars that is not mine. I have never had XXXX XXXX and I have never had the phone number they are saying this account is attached to. I am a member with XXXX. I have submitted this dispute to the company and to XXXX. The debt is still under my name, and nothing has been resolved. 

Original creditor : XXXX XXXX Account Name : Jefferson Capital Systems Account type : Debt Buyer Date Opened : XX/XX/XXXX balance : XXXX