davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

non-performance of the contract. 

I was preapproved for a loan and it was sent to underwriting. Navy Federal Credit Union refinance loan that was never worked on ad fell out of compliance after 6 months, I had contacted the underwriter no less than three times asking for status and was ignored. 

Then they had me sign another document after the rates had risen, and came up with unverified excuses as to why the house was not owner-occupied after they had clearly lost documents, I have documents stating during the application what was happeing in our household having two homes due to work locations. etc. 

We had proved it was a primary residence for my husband, he works in the area, filed taxes from the house, we bank in the area. 

It was basically NFCU attempting to cover up their non-performance of the contract. 
Now I am going to have to refinance and sue for about {$150000.00} plus legal fees soley because they did not do the right thing by their customer of 30 years.
Consumer complaint received 2021-07-16
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: Experian Information Solutions Inc. (CA)

I recently sent a letter regarding an account on my consumer report furnished by the U.S Department of Education and according to the FCRA this is a violation being that it was already removed from equifax and experian. And pursuant to 15 usc 1681a under the exclusions section under ( B ) anything that was extended or authorized from a credit card should be excluded from my consumer report. It states under The truth in lending and FCRA that the definition of a credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This account is also already paid in full.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase Bank offered me a {$300.00} bonus to open a savings account. I went through all the necessary steps with maintaining a large sum of money and setting up a direct deposit. When I spoke to an agent in XXXX they confirmed that all the necessary steps were in place. However, I did not receive the bonus when it was due. This marketing program is an Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) violation as the instructions were not clearly outlined. My husband set up the same direct deposit a few months ago and received his bonus. It is deceiving for Chase to ask to hold your money then be unclear with the instructions and not follow through on the bonus.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-08-21
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: LEXISNEXIS (NY)

according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX if one company is reporting XXXX all of them should report XXXX
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one has been my one and only general credit card service provider. I started with the lowest tier credit card. The card was opened in 2014. My payments have been on-time since then up until this very minute. Two years later, after holding a conversation with a customer service rep, I was offered an upgrade to the highest tier card and I accepted it. Now, they have since introduced a new card and I am inquiring on a conversion upgrade and was told that I am not eligible. I have asked numerous representatives why and still have received no response. With my account history, there should be no reason for me to be ineligible. I have been told constantly that my option are to apply for the new card and have stated that I should not have to apply for a new card. Clearly, their system factors criteria such as race, age, sex, and credit history as a basis for a final decision. Since, my credit history can not be the issue then evidently, I am concluding to believe that my denial is based off of race, age, and sex. My belief is also reassured when they instruct me to apply for the new card. I am a young XXXX male with a great and very impressive credit history so this organization wants me to apply for a new card that I have evidently earned because they want me to add an inquiry and a new card to my credit report and/or illegally and purposely deny me for a new card to attack my self-esteem and character while still leaving me with a negative impression on my credit card that will slowly degrade my social advancement in some shape or form. This is a very simple approach that they are taking which has been used redundantly to slower the advancement of the XXXX race all while waiving a white flag screaming " we are not XXXX '' and giving credit cards to other young XXXX men who normally have no means to repay their credit card debts, but when one young XXXX man figures it out and handles a credit card responsibly, they stand firmly to force men like us back into the cycle.
Consumer complaint received 2021-08-03
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. (CA)

On or about XX/XX/2021, I spoke to an Equifax supervisor regarding a creditor not displaying on my credit file. The supervisor advised as a result of a complaint against Equifax, Equifax contacted XXXX XXXX XXXX XXXX to confirm whether or not the credit information was to appear from my file. The supervisor advised between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX stated to delete open and active accounts from my credit report. The supervisor stated he along with two additional departments he would work to have the accounts placed back on my credit report. He also stated he would investigate and contact me today. 

After, not hearing from the supervisor, I contacted Equifax, and requested to speak to a supervisor. XXXX, ID # : XXXX took the call. XXXX informed me the previous supervisor did not document the matter ; rather the notes, according to XXXX stated to escalate the matter. XXXX, refused to tell me the department in which the matter was escalated to. All XXXX continued to ask me for 40 minutes what did I want to do? I over and over again advise him to read the notes. XXXX continued to state " there were no notes ', 'and if I had a reference number ''. 

For 45 minutes, XXXX, Equifax Supervisor would not assist me in resolving the matter. I continued to tell him I wanted the accounts to be placed back onto my account ; he needed to take the dispute and contact XXXX XXXX to determine what reason they deleted my accounts. XXXX refused to take a dispute ; stating, " you need to contact the creditor ''. I advised I did. 

I ended up disconnecting from the call. I have never experienced the blatant disregard from a supervisor I did from XXXX. His refusal to gather information, to look into the matter, take a dispute if needed, or simple research the notes was unprofessional and disrespectful to me and his duty. I disconnected the call without the matter being resolved. 

To date, Equifax has not fixed the false information or investigated the false information reported to Equifax, as a result, the account is not displaying on my report. Their action has caused an injury to my credit score. The aforementioned is an ongoing matter with XXXX XXXX XXXX XXXX XXXX. It Equifax and XXXX XXXX are working together to dismantle all the hard work I have done to improve my credit score.
Consumer complaint received 2021-08-02
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)

I received a notification from XXXX that my credit score had dropped XXXX points! scared, nervous and. It sure what to do, I called Equifax to try and figure out what the issue was. They are reporting an account with the wrong balance, the incorrect status and all erroneous information ;
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Credit bureaus XXXX, XXXX and Equifax stated that my account with XXXX XXXX XXXX account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to bring to your attention a serious issue regarding a recent fraudulent transaction involving my XXXX XXXX account. My father was deceived by an XXXX seller who requested that the transaction be taken off XXXX. He was selling a camera and was subsequently contacted via an email that falsely claimed to be from XXXX support. This email instructed him to ship the camera with the promise that payment would be deposited into his account once the item was shipped. 

After the camera, valued at {$1100.00}, was delivered to the buyer, the buyer claimed that they no longer wanted the item and offered to return it if an additional {$1700.00} was sent to facilitate the return through XXXX  so-called " processing '' system. Unfortunately, my father, acting in good faith, sent {$1700.00} from my XXXX XXXX account under the assumption that the buyer would return the camera and reimburse him. However, the buyer never returned the camera, nor refunded the payment. As a result, we have lost both the camera and the {$1700.00}. 

This situation constitutes clear fraud, and despite this, neither XXXX XXXX nor Chase Bank have provided reimbursement for the funds lost or offered any assistance in resolving the matter. Enclosed, please find the police report filed in connection with this incident, which should serve as sufficient evidence of the fraudulent activity. 

If this matter is not addressed promptly, I will have no choice but to escalate this issue, including pursuing legal action through a class-action lawsuit against Cash App and J.P. Morgan Chase Bank XXXX 

I appreciate your immediate attention to this serious matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

I was contacted by IQ-Data International collection agency I was told that they werent a standard collection agency and they didnt buy my debt but were contracted to collect. I was told they did not do payment arrangements but under certain circumstances they would allow a payment arrangement and this was entered into under the pretense that as long as I made those payments on time, it would not report. Ive consistently made payments since the agreement was entered into, I awoke on XXXX XXXX  with the debt on my credit. I then contacted the agency and basically was called a liar stating that couldnt have been said, I prompted them to listen to the recording from my interaction. Ive made at least 3 payments on this debt under the guise that it would not be reported now they have reported and are saying I would need to pay in full the remainder in order to get it removed. The representative was not honest or forthright and basically tricked me into the agreement knowing that it wouldnt prevent them from reporting.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (CT)

XXXX XXXX Student Loan on my Experian Credit Report Has is outdated and as per FCRA guideline it should have been removed of my credit in XX/XX/2021 but it is still on my credit. I have spoken to agents at Experian several times and they have been unwilling to delete this from my credit report. I have also contacted XXXX XXXX to stop reporting it to my credit report but they have also been unwilling to cooperate and are bent on continuing to violate my rights. 
As you will notice in the attached documents. XXXX XXXX willfully and intentionally reported inaccurate information about the initial date of delinquency in an attempt to circumvent the law and try to keep reporting this loan on my credit report longer than the law allows them to and this has hurt me financially for every month it was reported on my credit report beyond the 7 years the law allow it to be reported
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have had two credit cards with citibank for over 20 years. A Master Card and a Simplicity Card. I live XXXX miles away from the USA, in the XXXX. So the cards were used mostly for online purchases like XXXX XXXX XXXX and international and domestic air travel and hotels. I have always kept a XXXX, Ca. address for doing my banking business. I have over {$71000.00} in Citi Bank. I have never been late on paying any of the credit card bills, In XXXX, w/o notice to me and w/o any valid reason, citibank cancelled both credit cards. I have lost my computer security protection due to not being able to renew online due to no credit card..and .have had to cancel my upcoming XXXX due to no credit card to pre-pay the XXXX bills, along with other associated problems caused by the cancellation. 
It is only with great expense of time and money that I can make a long distance call to the USA. On XX/XX/2021, when I was finally able to get such a call through to the Citi credit card dept, I was told that the cancellation was due to me not having a USA mailing address. I then asked the lady assisting me to pull up my profile page maintained by Citi and check my address. She did ... and she admitted that I have a XXXX, CA. address on my profile page. She said she was sorry but she could not re-open the cards because they were cancelled. She told me to go online with citi and " apply for a new card '' and it could be mailed to me immediately. 
Well, guess what. I went on line, filled out the application for a new replacement card ... .and ... my application was DENIED immediately. Now, I am a non-person. I have no credit cards, I have no access to my {$71000.00}. I don't exist to Citibank anymore. 
In my opinion, this is nothing short of common FRAUD, committed against a XXXX year old senior citizen by a bank who is cutting out the dead wood ( the older customers who no longer deposit money each month into citi but instead, are with drawing their money each month ). I'm tired of this dishonesty. It's causing me XXXX XXXX and great stress. Their CHAT people do nothing but tell me to call XXXX miles to the USA. When I call, they tell my to go online ... which I can not do because they have blocked my online page, thereby freezing my accts. I pay a minimum of {$10.00} every time a have to call citi USA ... and I tell them I'm calling long distance from XXXX miles away ... and what do they do..they put me on HOLD for 5 minutes every time they transfer me to a new department. If this is " XXXX XXXX '', then they are XXXX  me with their pro service. I want to go back to the old days ... when banks were honest and treated their customers with respect and dignity. I feel like ( opinion ) that citi has stolen my funds and have wiped out my identity as a person.
Consumer complaint received 2022-08-21
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX account # XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) 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 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.

Because of the violation i would like the following accounts in violation of the
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (NJ)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc. (FL)

Our mortgage was with Zillow home loans. 
We closed on XXXX XX/XX/2021. 
Our first payment was due XX/XX/2021. 
By mid XXXX we received letters from Zillow and XXXX that our loan had been transferred to XXXX. 
The first payment to XXXX was due XX/XX/2021. 
We have paid pennymac each month since. 
In XXXX Zillow home loans collections started calling constantly. We continually explained that they had sold our loan. We called the customer service department, who filed a report to notify collections that the account had been moved/sold. Collections kept calling. And calling. We told them over and over again that they had sold our loan. I looked for ways on social media to contact them to get a resolution. Nothing. 
In XXXX the phone calls finally stopped. 
XX/XX/2021 Zillow placed a collection with XXXX. 
They placed a collection on a mortgage they do not own.