davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (IL)

On XX/XX/XXXX, Pulte Mortgage charged an application fee of {$610.00} which would be used for credit check right away and other costs if the mortgage was going to close. The majority portion of the fee was for running an appraisal on the property before closing. 

As of XX/XX/XXXX, I had not gotten approval for the mortgage from their underwriting and it was clear that Pulte Mortgage would not provide me a mortgage for the closing was XX/XX/XXXX. 

However, Pulte Mortgage went ahead with the appraisal of the property and did not refund me any of the application fee. My question is why did they go ahead with the appraisal when they were not going to approve me for the loan? 

Pulte Mortgage said they credit check cost was around {$50.00}. I want {$560.00} refunded.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

On XX/XX/2024 at XXXX a transaction amount of {$350.00} was processed through CashApp through my XXXX Debit Card ending in XXXX for the above fraudulent amount I did not process this charge. I did not approve of this charge and do not know who the recipient of said charge is. Have XXXX clue or dealings with the individual.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax continues to report an incorrect Utah address on my credit report. I've submitted disputes and complaints with Equifax and the CFPB, Equifax will remove the address for a few months, but then add it back later. I'm constantly having to monitor my credit report because they consistently pull incorrect information. They have my info mixed with someone else and are incapable of fixing the problem. They have all of my other addresses in XXXX, I've never lived in XXXX. This has been an ongoing issue for years.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hi, I am currently overseas. Chase bank sent a letter to my home ( in XXXX I believe ) requesting that I send in an ssa-89 and w-9, in order to verify my social security information. Since I am overseas, I did not receive the letter. Chase bank then closed my two credit card accounts on XX/XX/XXXX, without warning me. They did not call me, send me a message via their site, or email me. My account was closed ( I did not realize ), and then my card was declined. I called up customer service to find out why my card was declined, and they informed that my account was closed because I did not send in the documentation they requested. After explaining that I was overseas and therefore did not receive the letter, they told me to send in the documents to them and that they would re-instate my accounts. I sent in the documents via fax, secure message, and mail, and since then they have not re-opened my accounts. I have spent numerous hours on the phone with different branches of their customer service and supervisors, and none of them have helped. They either say it's back office and they can't help, or that they're missing the documents ( while other representatives say they have them ). I have sent them messages, documents, faxes etc. for 5 weeks now, and yet they refuse to help, and my accounts are still closed. Not only did they leave me abroad without cards, and effectively take away all of my rewards points, they also ruined my credit score so I can't even apply for a new card right now. 

Thank you for your help, XXXX
Consumer complaint received 2020-07-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Hello, I was affected by Covid-19 and never missed a payments on my mortgage before Covid. I am currently running 2mths behind & applied for assistance with my mortgage company Caliber Home Loans. I request consideration under the Cares Act. I wanted the 2 missing payment be put at the end of my loan or extend my maturity by the 2 months. They approved a trial plan XX/XX/20 on my loan increasing my payment from $ XXXX w/interest rate 2.875 % to {$2000.00} & appx 3.25 % interest rate. A modification should be in the best interest of the borrower, lowering the payment to help during these uncertain times, not give a borrower unfavorable terms. I called Caliber and spoke with XXXX # XXXX to review this. She was unsure of why the increase as well. I asked to speak w/ a supervisor & they refused to take my call. XXXX relayed a message from the supervisor- My approval is based on the going interest rate. Well I keep up with the rate and the current rate at that time was below 2.98 % for conventional loan and today 's prime rate is 3.01 % ( ( VA rates are lower ) ). So this was a lie and they are giving out false information to borrowers just to get you off the phone. I let the agent know this info was incorrect. XXXX told me I can just reject it & pay then ( ( WOW ) ). I do reject the trial offer increasing my payment & interest rate! Caliber 's SPOC unit is unsatisfactory, especially during these horrible times.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

My loan was transferred to Flagstar bank from XXXX XXXX with an unauthorized and fraudulent insurance loan impound. I should have been removed on XX/XX//22 by XXXX XXXX, but they are scammers and refused to remove it before transferring the loan.
Consumer complaint received 2022-07-18
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: Advanced Resolution Services Inc. (CA)

On or about XX/XX/21 I submitted a request for Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

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

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I spoke to XXXX XXXX about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.
Consumer complaint received 2020-05-21
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. (AR)

I applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX XXXX  and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Consumer complaint received 2022-07-18
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. (NY)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-09-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Southwest Rapid Rewards in XX/XX/2020. There is a promotion for a {$200.00} statement after first purchase, plus earn XXXX points after you spend {$1000.00} on purchases in the first 3 months. I was approved for the card and fulfilled the requirements for their offer. I have had the card for a few months now and I contacted Chase regarding the promotion offer regarding their points. I mentioned that the current points reflected on my account does not reflect the bonus points. The first time I called they lied to me and said the offer was for 10k points. The second time, Chase hung up on me. The third time I called the supervisor lied to me again. I told them I have a screenshot of their offer, a copy with date of the time I submitted the application, and told them this is a " breach of contact '' and that I would take legal action, if necessary, in small claims court. Only then did the supervisor claim she would escalate the matter and get back to me in 3-7 business days. I am submitting this complaint to prevent Chase from doing this to other potential customers in the future.
Consumer complaint received 2022-09-17
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. (TN)

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX violated my privacy rights XXXX US DEPT. OF EDUCATIONXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these consumers ave violated my right to privacy 15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C SECTION 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

XX/XX/year> was told by I.Q data that I owed XXXX for move out fees. I reached out to XXXX and they sent me a copy of the ledger showing the breakdown owed and it was XXXX on XX/XX/XXXX. I explained to them I.Q data was requesting a different amount. They sent a copy to I.Q data again XXXX of 2023. I made several phone calls to I.Q data and they would not give me any information about my account. I asked to get copies mailed to my XXXX XXXX XXXX they said they don't send paperwork to XXXX XXXX XXXX. I disputed this with XXXX and XXXX and won. It was changed to the XXXX for XXXX weeks then I got a notice I.Q data submitted the same balance owed of XXXX and the bureaus changed it back to that amount. I went by XXXX again in XXXX and they told me on XX/XX/XXXX they sent I.Q data an email asking them to work with me or give them the account back but I.Q data never responded until XXXX of 2023 when I threatened them with a letter of intent and cease and desist all collection activity. After I threatened them with legal action they threatened me and told me they were going to go after me once the balance was corrected.
Consumer complaint received 2022-06-10
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX 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 2020-07-24
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. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXXXXXX, US DEPT ED
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX Macys account ending in XXXX Dear : Mrs. XXXX, It appears that the Department Stores National Bank ( DSNB ) may need to reassess their decision to have asked you to review and  respond on their behalf. 

Based on your response to this complaint, it appears that you are not capable of handling this complaint and is deeply concerning. 

In response to your response to my complaint you stated, " Our research determined that you were attempting to download the statement prior to the statement closing date, which means the statement was not yet available. '' Mrs. XXXX, this claim is not true! 

Attached is screen shot of the date XX/XX/XXXX that shows that the system does not allow you to download the statement in PDF, and only allow you to download the spreadsheet option. Having to wait 6 days after the statement closing due date is unacceptable. 

Secondly, in your next quoted statement where you say, " We found no correspondence sent to you which provided you with the information an {$11.00} minimum payment was due. '' For you to say, " If you can provide additional information to the above address we would be happy to research this further. 
And not even look at the complaint shows that you have no respect for customers sincere concerns and honestly is quite embarrassing. 

Actually it doesn't take any research at all, all you have to do is look at the attachments to the complaint. The evidence clearly shows that information was sent to me by email from Macys showing a balance do was {$11.00}.

Can you please explain Why are you asking me to provide additional information to your address to research this further and Why are you apologizing for difficulty, l experienced with viewing my statement online when that information is attached and available right now in the CFPB complaint and not even thoroughly look at my response? 

I would request that you relinquish yourself from addressing this complaint because you obviously don't take this complaint seriously. 

Sincerely, XXXX XXXX XXXX cc : -CFPB -Main Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX -Macy 's XXXX
Consumer complaint received 2022-07-18
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. (GA)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-07-18
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. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

XXXX XXXX XXXX is still reporting on my credit report AND is still showing a balance.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/2020. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX   XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXXXXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXXXXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXXXXXX, AS XXXX XXXX  XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS XXXX XXXX  XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2020.