davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I have filed a complaint in regard to Freedom Mortgage in the past. I am a XXXX XXXX XXXX XXXX. I was not originally on the title to our home when my husband and I purchased it. My husband XXXX XXXX suddenly and was the sole provider for our young family, my son was XXXX and my daughter was XXXX. I did not work so I could stay home and raise our kids, my son is XXXX  so he has XXXX XXXX. We were devastated when he XXXX XXXX XXXX XXXX XXXX and I did not know what to do.I was young and lost without my husband, I couldnt stay in our home for months because it was too difficult mentally for me. My husband had wrote a letter stating that all assets shall go to me if anything were to happen to him due to his struggles with mental and physical issues from XXXX XXXX XXXXXXXX but that wasnt enough to help me. I met a lady and she has been helping me and teaching me my rights as a homeowner and in the situation I am facing. I have been trying to work with Freedom Mortgage I did not have a job and did not receive XXXX XXXX until this past XX/XX/2022. We now finally have gone through probate and I have a job as of XXXX XXXX I have been acting in good faith to try to save our family home but the XXXX  manager has not helped me at all and Freedom Mortgage says they can not do anything although we went through probate and I am now the Successor in Interest. I have sent them all the documents they have asked for. Tax info They wont allow me to make any payment. This has been going on for almost a year now and I am asking for the auction to be postponed so I can assume the loan but it is taking so long with the probate ect. I just want to have more time to allow the process of me taking over the loan to go through. Freedom Mortgage will not allow this to happen and I have done so much to save my home the right way. I need help.
Consumer complaint received 2021-04-12
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. (CA)

In conjunction of my previous dispute regarding fraudulent accounts appearing my credit report. XXXX  never addressed the number of fraudulent inquiries listed on my credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On Saturday, XX/XX/XXXX I contacted XXXX an online car retailer about a XXXX XXXX they had listed for sale. I was quickly placed into the approval process and was approved for a used car loan through Capital One at a decent rate of 3.8 %. I was offered GAP insurance at the time but I declined. About a half hour later, I received a second phone call from a different XXXX representative telling me that they had taken a closer look at my application and that Capital One came back and said I could have 2.5 % interest on my loan if I agreed to purchase a {$790.00} GAP insurance plan. Again, I declined stating that I really didn't like GAP insurance and felt like it was a waste of money ; however, the agent fought with me and kept pressuring me that this would save me money. I finally conceded and asked that he please email me the details of both offers so i could do the math to truly see if the lower interest rate and GAP plan would be less expensive in the long run. After running the numbers, it was so I emailed them back and said I would purchase the GAP plan so I could have the lower interest rate. After thinking about this whole transaction, I really felt like I was either targeted because of my good credit score, or potentially because I was female but I definitely felt pressured and thought something could be very wrong with this practice. If so, I wouldn't want it to happen to anyone else.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Choice Money Transfer, Inc. (NJ)

I had to transfer money for an emergency situation. So, I seared in Web and found ''Choice Money Transfer, a member of Small World Financial Services Group ''. 
I created my profile and did my first transaction for {$1000.00} on XX/XX/2021, without any issues and they did not ask me for any documents. On XX/XX/2021 for second transaction, this transaction got me problems, I transferred {$1200.00} and they did not ask me for any documents till they debit money from my bank account. Later on, they started sending me emails for proofs on income and asked me to fill compliance form. The form is mentioned that 'It showed be filled for transactions over {$2500.00} ', despite that, I filled all my details and I shared all my documents ( I sent my personal confidential information 's ). After that, they took a day to process, but still they are not ready to validate my transaction. 
From the time I started the transaction, I called their customer service for more than 10 times and sent over 8 emails. I went into serious XXXX and confused state. 
Till then, they were not ready to complete my transaction, finally, they cancelled my transaction. 
They debited money from my bank the next minute I submitted my transaction. But, the refund process takes 3-5 business days. I can not accept this, If they are not ready to process the transaction, they should refund immediately. How will this is fair solution, During this 5 days time, I have to undergo lots of pressure and XXXX and my emergency situation had worsen. I am worried that, they can misuse my personal details in one or other way. This organization rules are not open and transparent to customers. Customer care executives are not ready to transfer customer calls to next higher level officials.
Consumer complaint received 2021-04-02
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. (TX)

XXXX XXXX XXXX/XXXX, XXXX XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.
Consumer complaint received 2024-10-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC (MI)

Dear CFPB, I am writing to dispute the unlawful collection practices of Williams Rush and Associates LLC ( the " Collection Agency '' ) and request an investigation into their violations of federal law. 

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The Collection Agency has not provided validation information, as required by law, yet has placed a collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given the opportunity to dispute the account, as required by law.

3. 15 USC 1681s-2 ( 7 ) ( A ) : The Collection Agency has furnished information to consumer reporting agencies without providing required disclosures.

4. 12 CFR 1006.34 ( d ) : The Collection Agency has used false, misleading, and deceptive means to collect the debt.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I hereby revoke all rights of Williams Rush and Associates LLC to communicate with me through : - Phone calls- Text messages- Email Request for Purchase Agreement : I request a copy of the purchase agreement between Williams Rush & Associates LLC and the original creditor, as required by 15 USC 1692g.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have mailed out multiple letters to the credit bureaus regarding inaccurate and unknown things located on my credit report. My letters were mailed out on XX/XX/2021 and up until now I havent got any response from them. This situation has caused me to XXXX XXXX and I need to have it resolved immediately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

This company is operating fraud they violated almost 10 federal laws u open a account in my name and got money off me were the title wheres my money this is breach in contract and u force ppl to pay only cash for the bill which is illegal
Consumer complaint received 2021-11-30
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: Experian Information Solutions Inc. (FL)

I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (IL)

On XX/XX/2021 at XXXX XXXX. I sent two faxes to XXXX XXXX XXXX  fax number XXXX today XX/XX/XXXX, I received a letter from them claiming that they received my request but they need me to send in exactly what I faxed them again. The paperwork i faxed contained my social security number and a copy of my passport id. 
I contacted them twice. the second time after being told they had no record of the faxes. I spoke to XXXX ID number XXXX she refused to answer any of my questions directly. she put me on hold twice and told me that she had no record of it and that I had to resend it. 
I had my passport ID and my social security number and I faxed it to their National fax number. yet they're vague about where it is and claiming that they never got it. The phone calls should be recorded but I am uncomfortable resending personal information ti people who are that vile and disgusting. I think this should be investigated thoroughly by the law. I do not trust them and I will not be resubmitting it if they already received it.
Consumer complaint received 2021-02-10
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: PRONTO FINANCE INC. (IN)

I am attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : ACCT ADJSTMT Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX - XX/XX/XXXX XXXX  XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  Automotive XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KS)

I am trying to get a credit card from my bank with a zero percent interest rate on transferred balances for the first year than a lower interest rate than I have now. 
The bank ask for the 10 day payoff balance in order to be able to send the company or companies the balance. XXXX has provided this information twice now. Chase is unwilling to provide this information telling me I have to wait until the end of my billing cycle or pay it off and than contact them for interest balance.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After 30 years with the bank ( Bank of America ) we receive a letter telling us that they are no longer allowing mortgage loan broker checking and XXXX Trust accounts. When asked why, they said that it does not meet their risk criteria.

In our State of California, a Department of Real Estate licensed XXXX  is required to have a XXXX Trust account which the XXXX  deposits and manages funds on behalf of a beneficiary. This is a business checking account. The account must have FDIC coverage or XXXX, etc. The account must be titled with a Trust account in our name. No separate Trust agreement is required as it is outline in California Business and Professions Code Section 10145 ( a ) ( 1 ) and Commissioners Regulations 2832 ( a ).

We approached approximately 6 other Federally Charted Banks in our City and were told they are not opening Trust accounts for Mortgage Brokers.

This will limit consumer choices in obtaining loans and stifle competition.

The bank has no cause to close our accounts and give us notice of less than 30 business days. 
Other mortgage XXXX I am told get around this by telling the bank they are real estate offices with salespersons, not mortgage XXXX. This is lying to the bank which we do not believe is a good way of doing business or ethical.
Consumer complaint received 2021-03-30
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. (SC)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-30
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. (PA)

This complaint is about the XXXX bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

When I called to settle debt, I was told I owed twice amount owed. When I Told the company I didnt have it, they asked how much I had. Once we reached an agreement to settle account, I asked if this would remove the collection. I was told It would that it would take 2-3 business days for my payment to clear and the collection account would be removed. Now after several disputes and calls to collections agency, They are denying telling me it would be removed. I feel so lost, Lied to and frustrated.Im a single mom and wouldnt of paid that amount to not reflect my credit.
Consumer complaint received 2021-03-30
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: NAVY FEDERAL CREDIT UNION (FL)

I have two CC with Navy FCU the account that I am talking about is the credit card with the line of credit XXXX ( Not the XXXX limit ). After contacting navy federal credit union when noticing that someone that use my card fraudulently they close the account down completely gave me a temporary provisional credit which I was never able to use and then reversed the transactions and put them back on the account causing me to have a balance for items that I did not purchase nor did I receive benefit from. Navy federal credit union failed to send me any fraud of affidavit forms or paperwork or notification advising me that they had reversed the charges I called the automated system spoke with a representative and they were the ones that told me that the dispute was not in my favor. They also retaliated by completely closing the account down permanently when they have a 0 % fraud liability which is utter false advertisement and they need to be held accountable.
Consumer complaint received 2021-03-30
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: UMB FINANCIAL CORPORATION (IL)

I made a purchase from XXXX in XX/XX/2020 and did not receive it as promised within 2 days. I disputed the charge with my XXXX XXXX XXXX card and was issued a temporary credit The item finally arrived in late XXXX so I returned it in XXXX. I have proof of the return. XXXX XXXX XXXX Credit card reversed the temporary credit on my account and XXXX states that they issued a refund. According to XXXX XXXX XXXX they never received the refund from XXXX so the purchase is still showing up in my balance and I am having to make payments on it. It is the only charge I have on this credit card so essentially I am paying for something I returned.
Consumer complaint received 2021-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.
Consumer complaint received 2021-04-02
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)

Please see the attached document for reference to the facts of this case. Equifax has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 7 consumer disputes of inaccurate information, and subsequent requests for the method of verification in each instance, totaling at least 7 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Equifax. 

Equifax willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Equifax, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Equifax to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (OR)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX XXXX XXXX XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the Scammer is a client of theirs, owner ( s ) of wallets : XXXX XXXX, committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet a t XXXX in the total amount of XXXX XXXX and XXXX ETH utilizing their services. Several more wallet numbers who are registered with Binance are beneficiaries : XXXX " XXXX ' XXXX ' XXXX ' Total amount they own - XXXX XXXX. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurizing circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible once theyve got a hold of your funds. 
In providing its services financial institution as a registered and licensed Payment Service Provider, is required by law to exercise the care and skill of a diligent, prudent organization. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer.