davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I became a victim of fraud in XXXX of XXXX. Fraudulent payments were made on my credit card which later bounced and resulted in unwarranted fees and interests. Barclays agreed to issue a new card and reverse the fees and interests but was never received. 

On XX/XX/2022, a fraudulent payment of {$1300.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, the payment was reversed and {$1.00} finance charge adjustment was made. 
On XX/XX/2022, a resubmit payment of {$1300.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, {$39.00} return payment was charged. 
On XX/XX/2022, a fraudulent payment of {$200.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a fraudulent payment of {$1100.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$200.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$1100.00} was made, again not by me, which later resulted in insufficient fund reversal. 

On XX/XX/2022, I discovered the issue and made a legitimate payment from my own account. 

On XX/XX/2022, I was charged {$7.00} FINANCE CHARGE
Consumer complaint received 2022-01-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (FL)

My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are XXXX me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.
Consumer complaint received 2017-05-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Deutsche Bank (PA)

Deutsche Bank has charged me {$4700.00} in my mortgage escrow for lender-placed insurance when I in fact had insurance during that period through my local agent. As you know, it is illegal for someone to be charged twice for insurance for the same house. I have complained to Deutsche Bank for more than a year about this, but they refuse to do anything to refund the escrow overpayment. Enclosed are documents, one from Deutsche Bank and  one  from my local  XXXX   XXXX  agent, that tell the story.
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2024 I went to look at some furniture at XXXX XXXX. The agent that was showing us the furniture told us they could check how much would they be able to finance me and how much our monthly payments would look like. They got my information and we kept browsing the store when they called me over because one of the credit companies needed to talk to me. I got on their phone and the lady on the phone told me they couldn't look at how much I was approved for because I had a freeze on my credit and to go ahead and unfreeze my credit from one of the credit bureaus so she could go ahead and process the application. After letting her know that I had lifted my freeze from XXXX she asked me to confirm my name, the last four numbers of my social, and my address. She then told me I was approved and that my new card would come in the email in the next 7 to 10 business days. I look at the furniture store lady and tell her the lady on the phone is telling me I am getting a new credit card. She takes the phone away and begins talking to the lady on the phone and tells the lady on the phone I must have misunderstood her. They exchanged some code or number she had on her computer screen and desk. Then the lady at the store handed me the phone back because she needed a number that could only be given to me. I start to write this number on a sticky note, but the furniture lady hears me and is already typing it on her computer. The lady on the phone then tells me thank you, your card will arrive in 7 to 10 days and we hang up. The lady at the furniture store then tells the other agent assisting us that I was approved for {$5200.00}. After leaving the store without purchasing anything, I called the company I heard the furniture people mention during our interaction : Synchrony. Turns out a credit card was opened and I told them I didn't realize I was opening a new credit card. However, they told me the only way to not get the credit card was to cancel the card. When I asked if this would be reported to the credit bureau, they told me they wouldn't be able to tell me this information and that they would go ahead and transfer me to confirm my delivery address.
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (CA)

This is a matter of identity theft. Someone that is not me applied for and received an installment loan to make a purchase at a jewelry store. This was not the first instance of identity theft I had been dealing with, so prior to this fraudulent application being submitted, I had placed a fraud alert on my credit file with each of the XXXX credit bureaus. The fraud alert clearly states that there is suspected fraudulent activity and any potential lenders must call me directly by telephone for further identity verification. I received no such phone call from Acima. 

I contacted Acima and they were utterly dismissive. This company failed to perform simple due diligence even when provided with a clear warning. I allege that this lender is not concerned with these types of situations, and may even welcome them based on the ridiculously easy application and approval process - that and the process in which funds and merchandise are exchanged only bolster my suspicions. The funds are not transferred to the applicant ; the lender contacts a chosen retailer directly to complete the monetary transaction - the applicant may not even be present for this. The lender purchases the merchandise and the applicant picks it up at their leisure. It seems the retailer in this instance failed to perform even the most cursory of identity verifications as well. The opportunity for collusion between retailer and lender is glaring in my opinion.
Consumer complaint received 2019-03-07
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. (LA)

My credit report with Equifax has not been updated since XX/XX/2018. This has caused me to be unable to apply for loans and have been unable to receive a decrease in insurance premiums. I have submitted my concerns to Equifax on numerous occasions ; the being in XX/XX/XXXX. They have only replied to me that I ha e multiple credit files that they are unable to merge. They further stated, in writing, they can not merge them due to the amount of data in each file. 
I have attached to this complaint my documentation to support my efforts to resolve this issue.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (CA)

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

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

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-22
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. (MI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AZ)

I opened a savings account with this email Citibank sent me in XXXX. I completed all the requirements in this email to earn {$450.00} bonus reward I deposited and maintained XXXX for 60 days requirements. I still have maintained over XXXX in this account as if today. I have made dozens of phone calls and texts talking to Representatives that get me nowhere. They've opened a case and it has been open for months still no response. I called again yesterday and they said I'm not eligible for the bonus and to call a number and still giving me the runaround. I've talked to supervisors and texts where they have said I definitely am eligible for the bonus and it will be deposited into my account by XX/XX/XXXX. It was not deposited so I called again and they said they're still waiting for a response from the dispute team and I should have an answer soon. Still nothing after dozens of calls and texts and them saying I will get the bonus don't worry. I did all activities requirements for bonus assured by Citibank id get the bonus now six months later still nothing and no communication on their part letting me know status. I have saved many of our text conversations and they said when I called all the correspondence is in my file. So documentation of all this hassle I've been through. So disappointed!
Consumer complaint received 2021-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Tribal Lending Enterprise, Inc. (NJ)

Someone opened a loan from Mountain Summit Financial in my name pretending to be me -- I did not apply for this loan.

The criminal used my name and contact details ( email, address, phone number and more ) to open an account at Mountain Summit Financial, apply for a loan, and receive funds all in under half an hour over the weekend. Mountain Summit issued the loan without validating it was actually me in any way. They issued the loan even though all of my credit bureau accounts are frozen, and no loans should be opened in my name while they're frozen. 

I found out about it because I received 3 emails in rapid succession, with the first indicating the account had been created, and the second saying my loan documents were ready for signature. These seemed like traditional phishing attempts ( and I've received many such emails in the past year due to numerous data breaches containing my PII ), but then I got a 3rd email saying the funds were on their way. This is what scared me and I reached out to XXXX XXXX who has been advising me on security and identity issues since the prior breaches/numerous phishing attempts.

He advised me to call Mountain Summit Financial, but they were closed on the weekend and didn't even have a voicemail box to leave a message -- Again, that they were able to open an account, accept an application for a loan, and issue payment on it when they weren't even open to validate it is SUPER troubling. 

Working with XXXX, we determined that this was likely a successful fraud incident and we logged into the Mountain Summit Financial site to see what else we could find out ( since the criminal used my real email address, I was able to change the password so I could log in ). This is where we learned the money was being sent to an account at XXXX XXXXXXXX XXXX, that the loan application claims the XXXX account was is in my name -- this is not my account, and that the loan carried a 500 % interest rate!! 

I called XXXX MANY times over the weekend to warn them and try to get them to block the inbound transfer or freeze the account and get law enforcement involved. They wouldn't even transfer me to anyone who could help ( more about that in a second complaint I'll file after this ). 

When no attempts to work with XXXX ( over multiple hours ) were helpful, and multiple attempts to call Mountain Summit Financial were successful, I filed a complaint on Mountain Summit Financial 's website.

I finally reached someone at Mountain Summit Financial today who said they would review my complaint and get back to me with next steps by Wednesday -- They were able to open a fraudulent account in my name and issue funds in under 30 minutes over a holiday weekend, but can't be bothered to sort out a crime in the same amount of time... 

I'd very much appreciate your help investigating this company.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (DC)

PLEASE NOTE THIS IS NOT A DUPLICATE. I HAVE INCLUDED LAW FROM THE DISTRICT OF COLUMBIA TO BACK MY CLAIMS On XX/XX/XXXX my XXXX XXXX XXXX was repossessed in front of my home. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial should have sent a notice to me or my last known address 10 days prior to repossession. I XXXX XXXX, can confirm that no letter was received 10 days prior to repossessing my personal property. This is a violation of consumer rights and constitutes unfair trade practices. To further no notices prior to repossession was received as required by UCC 9. 

To add to this complaint, after paying the required amount of XXXX to retain my vehicle and cure the alleged debt, Prestige has stated that my account did not cure and remains in a recovery status as if payment was not received or applied properly to the account. This gives reason to believe there may be a billing error pursuant to 15 USC 1666d. I also do not receive monthly statements anymore for this account nor do I have access to the online portal. In addition I just received a notice of redemption letter for an additional XXXX dollars that is due by XX/XX/XXXX or my vehicle would be repossessed again. 

Prestige Financial shared my NON PUBLIC personal information with a third party to the retail installment sales contract ( XXXX ). The XXXX only includes myself, the dealership, and assignee Prestige Financial Services Inc. Since there is a binding arbitration agreement, this dispute should have been settled in arbitration prior to the company taking any actions.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IN)

My home was illegally and intentionally placed on a vacant and abandon list, by city employees who 've been out to get me for quite sometime now. Shortly thereafter, these same city employees falsified legal documents, forced entered my home 5x 's and fraudulently submitted the same documents to the electric and gas company and then DEMOLISHED my home right before my eyes. Ocwen the loan servicing company took No action, as they state the city NEVER contacted them about my home in thus violated DUE Process laws. Now Ocwen has denied me access to the website, in hopes that I stop making payments. They have also discontiued sending monthly mortgage payment statements. I believe this is an attempt to force me into foreclosure. I took a screen shot of the Denied access page when I logged into Ocwen Site to make payments, which I 've always done. Now since HUD has sent my complaint to the XXXX XXXX XXXX XXXX, I am blocked from having account access. I used an old statement to make this months mortgage payment, and sent it priority mail for proof! The city attorney who I believe is behind all this mess, is now the attorney investigating the HUD complaint. Ocwen and the City is working to ruin my credit because I 've filed complaints against them for fraud, waste and misappropriation of funds. I need Ocwen to open my account so that I can continue to make my monthly payments, without these many forms of on-going harassment, intimidation and criminal acts against me, until I am released from this debt in its entirety.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northern Arizona Credit, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

After receiving countless collection calls from Comenity Bank, customer service in a telephone interaction stated that they did not have any record of a {$100.00} cash payment made to them at the cash register location in XXXX, New York. The total balance of the account could not possible exceed {$700.00} without fees because the amount of the credit line was no more than {$700.00}. The cash payment of {$100.00} may have been misapplied as a charge to the account. The bank refused to make any type of payment agreement or settlement offer when asked. The collection calls continued after noted to the XXXX website. The company was dually notified regarding the abuses associated with collection in the current region, failing to comply with requests to stop placing phone calls to the number provided on the account.
Consumer complaint received 2022-01-18
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: Experian Information Solutions Inc. (NY)

Experian and XXXX keep adding back a delinquent JPMCB Card account to my Credit report when this account does not belong to me and is a result of identity theft. The JPMCB Card Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with Experian and XXXX it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc (MD)

XXXX XXXX XXXX Opened XXXX Bay Area Receivables Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

Around XX/XX/XXXX, I received a call XXXX XXXX from Quicken Loans to seeking my service to re-finance my home. Later on after consultations I realized the name has changed from Quicken loans to Rocket Mortgage. I was told they are the same company by XXXX. I asked if is a misrepresentation and she XXXX said no. 

During consultations and probing to get my business she made me aware that it will not cost me any money to refinance. In the middle of the processing before the someone to visit home appraisal, she told me that, I should put a deposit of {$500.00} down and it will credited to my closing cost. I specifically asked for the reason, because she had earlier told me it wont cost me any amount. Then she reiterate the {$500.00} dollars will be giving back to me in a form of check, after forcing or nudging me to complete a bunch of paperwork online signatures. 
The signature on the mortgage form attached was forged. I did not sign. they said it was attached to the 100th of forms the sent for online signature. Most of the forms signed was on line not on top of my name. 

Finally when I asked for me money back after the deal did not go through. They refused to refund me my money.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX.