davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JHL, LLC (FL)

Dream Finders/Jet Loans ( Owned by Dream Finders ) deploy predatory and deceitful marketing practices when advertising and contracting with buyers. 

We initially looked at purchasing a new home within the XXXX XXXX, XXXX  region in XX/XX/XXXX. When we found Dream FindersXXXX XXXX we decided to pursue a new home build given several promises made by their sales persons. We were urged and pressured to sign immediately as lots in the area go quick, and the one we were looking at was currently being inquired upon by others. 

We decided to proceed with the purchase given a few promises made to us by the sales person. 
1. Upgrade costs : we were explicitly told that upgrades ( e.g., flooring ) would incur charges for materials only, with labor costs remaining fixed. This was a pivotal selling point. However, during the selection process, we were blindsided by additional labor charges. When confronted, this discrepancy was dismissed as a miscommunication a grossly inadequate response to what amounts to a bait-and-switch tactic.

2. Tray Ceilings : tray ceilings, presented as a standard feature in the model home, were omitted from our build without proper communication. Homes in the same community and XXXX listings clearly show tray ceilings as standard, making this omission deceptive and misleading. We were told that Dreamfinders marketing images and materials were inaccurate, but they hadnt had the time to update them with accurate information. 
XXXX. Loan Process : we were told that if we chose the " preferred lender '' we would a ) receive a rate lock and it would never go higher, and b ) receive a financial incentive with closing costs. At this point we proceeded with the preferred lender ( Jet Loans, owned by Dream Finders ) and provided them with all the appropriate financial records, and spoke with them at great lengths with our businesses and financial standing. 

1 Month prior to closing on the house, we were to reapply to Jet Loans with updated tax returns for XXXX. Upon sending the information, Jet Loans sent us a loan sheet with a rate 1 % higher than previously agreed upon and told us over the phone that they won't be able to make the loan happen due to tax returns showing business losses due to opening a second location ( major purchases made in XX/XX/XXXX - XX/XX/XXXX ), which was disclosed previously and happened in late XXXX and early XXXX. After some back and forth with Dream Finders and Jet Loans we were offered two options, either sign with another preferred lender with unfavorable terms ( quoted around 8 % ) or forfeit our deposit and walk away. 

It is important to note that we disclosed all of this information upfront and were completely blindsided by their in-house preferred lender. I do not believe that either parties have acted in good faith and after some quick searching online, the company has a history of not acting in good faith to the customer nor the contracts.
Consumer complaint received 2022-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Submitted loan application with Bank of America for Home loan of credit on XX/XX/XXXX. 
I received call next on the phone i provided next day that loan application is accepted but will take up to 6 weeks to assign loan offices. I uploaded all required documents and called customer service to confirm that all required documents are uploaded. 
Customer service at that time confirmed that all required documents are received and complemented me for timing and accuracy. Called to check status after 5 and 6 weeks and keep getting same response, officer is still not assigned. Finality my wife got call on XX/XX/XXXX to give call back at XXXX extn XXXX but after working hours. 
Left several messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no reply. 
Finally on XX/XX/XXXX XXXX picked up the phone and informed that application is closed with the reason that they couldn't reach us and some missing documents. XXXX was very rude and bad manners. Left a message for his manager awaiting call from her.
Consumer complaint received 2023-04-04
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. (FL)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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: Marlette Funding, LLC (NY)

I am receiving emails from XXXX XXXX that I have taken a personal loan since XX/XX/2021. The loan company is from bestegg and I have never associated or even heard of the company name. It is stated that I have an unsecured loan with 60 month installment and requiring me to pay {$510.00} a month for the loan. I have disputed this with XXXX XXXX and would like to report identity fraud and theft of my personal information. This has happened before where my SSN was used and the police contacted me that my information was being used. Please help me as best as possible, the loan has ruined my credit score and the charges are also stacking
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an XXXX credit card. They changed their bank from XXXX to XXXX. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. XXXX did not take my consent.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: West Realm Shires Services Inc. (FL)

On XX/XX/2022, XXXXXXXX XXXX I attempted to withdraw XXXX XXXX from my XXXX account. The XXXX was not transferred as requested. I attempted to contact XXXX via the support ticket protocol several times they were nonresponsive ( XXXX withdrawal missing # XXXX XXXX withdrawal ). 

At XX/XX/2022, XXXX XXXX I filed a second support ticket ( Missing Deposit / Missing With Drawal # XXXX ). On XX/XX/2022 @ XXXX XXXX I received the following response : Hello Your withdrawal attempt on your account has triggered a review for potential fraud. While we investigate this all withdrawals on your account have been disabled. 

In order to help us with this investigation please can you send us : 1. A selfie ( a photo of yourself ) - The photo must show you holding both your ID and a hand written piece of paper that displays " XXXX Verification '' along with the current date. 

Once we review the information you submit, please note we may ask for additional information as we carry out our investigation. 

We apologize for any inconvenience this investigation may cause you and we hope to get this matter resolved as swiftly as possible. 

Best, XXXX On XX/XX/2022, XXXX XXXX I complied with the requested information. Since my response XXXX has been non responsive. 

On XX/XX/2022, XXXXXXXX XXXX I filed an additional support ticket ( Missing Deposit / Missing With Drawal # XXXX ) I attemped to make a deposit & subsequent withdrawal yesterday. I was told that my withdrawals have been blocked due to a fraud invistiuagation. I was ask to send addtional verifcation of my identity yesterday. I complied with the request. Support has been non-responsive ... ... .. See attached the requested information ...... 
Uploaded XXXX XX/XX/2022, XXXX XXXX XXXX is still non-responsive ..... 

Subsequent attempts to file a support ticket resulted in the following message : You are not allowed open more support tickets right now.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account opened XX/XX/XXXX and closed XX/XX/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 an account without my written instructions.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-06-26
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. (IL)

there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} experian states balance is {$0.00} XXXX states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX states XX/XX/2017
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (OK)

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


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account 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
Consumer complaint received 2022-08-31
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. (MD)

Fraud and identity theft have been committed by XXXXExperian . 
I ask for a validation and verification of all items on my credit report. XXXX failed to provide forensic auditing of all inquiries and accounts being reported on my consumer report. This is causing immense hardship. I need to speak with XXXX and his/her registered agent. Several laws are being violated that I am aware of and I want to know who is going to take accountability of the fraud that's being committed.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/2024 Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NJ)

Thank you for your continued correspondence regarding my account and for the investigation you've conducted thus far. I appreciate your efforts to address the concerns I raised ; however, I believe there are still key points that remain unresolved.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.
Consumer complaint received 2024-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CO)

Citibank conducted multiple internal audits. These audits resulted in Citibank over charging me {$710.00}. Citibank sent me these letters stating they were going to be applying these funds to my account. However these funds were NEVER applied to my account. I am enclosing four letters from Citibank stating they were going to apply these funds. 

The amount Citibank is looking to collect is incorrect. They have been reporting the incorrect amount to my credit report since XX/XX/year>. In XX/XX/year> I contacted CityBank by phone and letter asking them to apply the amounts to my account. Citybank never responded and sent my account to Collections.

I am now receiving collections request from a collection agency to collect the wrong amount. And CityBank is still reporting the wrong amount owed to the credit agencies.
Consumer complaint received 2022-04-28
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: NAVY FEDERAL CREDIT UNION (CA)

Navy federal credit union stated I owed them money for 3 debts, which in their own words these are debts that I still owe them money on. Since Navy federal credit union is stating I owe them money for these debts ACCOUNT # 'S XXXX. I am asking for documents to prove I'm obligated to pay this debt.An account ledger that shows I have an obligation for this alleged debt. I would like to see Navy federal 's records of accounting/their ledger for these 3 accounts, an established credit card account ending in XXXX on XXXX XX/XX/XXXX ; a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX ; and a personal expense loan account ending in XXXX on XXXX XXXX XXXXIf navy federal cant provide me their ledgers which should show I owe them money they should remove these inaccurate debts from my consumers report immediately. A BANKING LEDGER/ OR GAAP LEDGER ON THESE ACCOUNTS would show that I owe them money for these alleged debt please produce them and I will have no problem paying on this debt. They've reported inaccurate accounts on my consumer reports for 6 plus years while never suppling any information to show how I am obligated to pay on these debts.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I was incarcerated on XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown federal marshal got hold of my credit and debit cards while I was in federal prison and illegally used them. I found out ID Theft was done to me when fully released from federal prison on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in prison and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and XXXX cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten arrested making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX have 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 2024-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY (GA)

I don't have the exact dates but I called Wells Fargo five times from the XXXX through the XXXX of XX/XX/year>. On the fifth call, I found out that my account was blocked. They couldn't tell me why and asked me to contact XXXX, who sent me right back to the bank. Neither party wants to take responsibility for it. I have been through the process of being shunted around like this for over a week. 

There is no stated limit on the amount of money that can be sent via XXXX but when I tried to send a XXXX dollars, ( which I had sent before without any problems ) they said that my limit was XXXX XXXX dollars. When I tried to send XXXX XXXX dollars they gave me a message saying that my transaction couldn't go through because of security reasons. Each time I tried to send the money I got a slightly different error message but was never told that I was blocked or why. 

This is a very poor way to treat one 's ( long-time ) customers. The recipient had an emergency and I was unable to get the funds to her.