davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (WA)

On XX/XX/2019, I was emailed a letter of suspension for a mortgage I had applied for with DHI mortgage.The suspension letter contained a listed of documents I would need to provide in order for a credit decision to be made on my file. Some of the documents had previously been provided but one in particular required I visit the county clerks office in a different area of the state. 

My suspension letter includes a required timeframe to produce the documents of 5 days. It was also suggested to me verbally to shop some other lenders who may have different approval requirements. I then arranged to take a vacation day from work to drive to the clerks office but also began to shop other lenders. 

On Tuesday XX/XX/XXXX, I was notified by another lender that they could approve my loan with different requirements. I immediately requested my FHA case number to be transferred, DHI replied that they would transfer the loan, no other information was provided. 

On Wednesday XX/XX/XXXX, I was notified by DHI that I had to pay {$700.00} before my file could be transferred to my new lender for an appraisal. I had not been notified of a completed appraisal nor had my agent or anyone outside of DHI for that matter, no signed reciept for the appraisal had been made by my agent. At this point there was actually serious concerns about the loan being funded at all, yet the appraisal was not postponed. Regardless I delivered the check to the builder in the early afternoon. 

Approximently 20 minutes after delivering the check for the transfer I was sent an email that I had not met the required conditions from my suspension notice for approval and had been officially denied. I was notified by DHI that they had actually sent my file back into underwriting without the required documents needed in the suspension letter. In a later email I was also told that the document that underwriting had requested were different than what was included in my suspension letter. My letter asked for a payment transcript but the underwriter had requested a verification of mortgage. 

DHIs suspension letter states that if I do not provide the required documentation within 5 days that no loan decision could be made. Yet in an email the loan officer stated that the file had been re-submitted ( without giving me the opportunity to provide the documents ) and a decision had been made. 

I believe that DHI prematurely made a credit decision without the required documentation as retaliation for changing lenders.

DHI reported a FHA case denial to HUD without giving me the opportunity to even produce the documents needed to make a credit decision, when I decided to use a different lender, all but sealing my fate for a complete denial of an FHA loan.
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GreenSky, LLC (TX)

I called XXXX XXXX for plumbing service on or about mid XXXX. XXXX XXXX came out said he could not do the work under my leaking kitchen sink because his work required some electrical work before he could proceed. He makes a phone call and an electrician sales and service guy appears telling me I had major problems in my panel box ;, geckos, gecko urine and that sent a surge and caused my electrical outlet under my kitchen sink to short out. I needed a new panel box and a surge protector. I am XXXX years old and all I could think about was animals, urine, wet, electrical, not good. He arranged for my electricity to be turned off, the electrical guy came out to replace my panel box. He said there were No geckos, no urine, and wanted to know why I was having that work done. I contacted XXXX XXXX to tell them the salesman sold me an electrical panel and a surge protector on a lie and I wanted it back to the way I had it before. They sent out a manager about two weeks later to, what he said, gather information. A lady by the name of XXXX called a few days later to tell me that they could remove the surge protector but they could not remove the panel or I would not have electricity. and wanted to know how much I thought I should pay for the panel since they could not remove it. I said nothing since it was sold to me on a lie. Long pause. Then I asked, well how much do you think I should pay for it and she said she would have to see and get back to me. They have not removed the surge protector. I have called several times and have talked to XXXX, XXXX, XXXX and XXXX and nobody returns my calls to let me know whats going on. 
In the meantime I chose to finance, interest free for 18mos. I got no written paper work, no idea who was going to do the financing. Soon after I get bill from a GreenSky Program Loan Account for a balance of {$5600.00}, interest rate 24.99 %. I sent them an email to tell them its in dispute but they are sending me letters saying if I dont pay they will turn me in and report me to the credit bureau. I have very good credit and do not want that but at this point I do not know what to do. If XXXX XXXX would answer my calls I would pay them for the work that I did need. I do not want to deal with GreenSky, they are about to ruin my credit.
Consumer complaint received 2019-02-07
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)

I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  and XXXX XXXX   XXXX with no successful resolution. Experian, XXXX, and XXXX  are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

XXXX XXXX XXXX  has incorrect information on my XXXX, XXXX and XXXX  credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

XX/XX/2020. Synchrony Bank closed all my XXXX cards with them, $ 100,000+ of available credit. This will absolutely destroy my credit rating. Searching online I see they are doing this to tens of thousands of customers. XXXX of my cards had XXXX balances. The others have always been paid well before the due date and always well above the minimums due. I called and they said I was " high risk ''. Funny because literally 2 weeks ago they raised my limits on XXXX of my cards by {$7500.00}! My credit score is XXXX. I've never had a missed or late payment. This bank can not be allowed to destroy tens of thousands of peoples lives.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 {$2000.00} dollars was stolen from our Chase bank account. I suspect it was a result of software that was used to gain access to our PC and the passwords stored in our computer registry. The transactions were paid out using a Chase bank application ( XXXX  ) to another chase account. 

After speaking with the representative on the phone ( who said they would start an investigation ) I started doing some internet searching on the company XXXX, involved in the fraud. There is more than can be read on this issue, but most draw the same conclusion. Whether authorized or not there is no protection against fraud. I am fairly certain that Chase Bank will inform us the {$2000.00} will not be covered under their fraud protection. However, we have never used this app and would have never known about this app if I didn't discover that we have been victims of fraud. If Chase bank did not have this application available on the online service we would have never lost money from our account. This is partly the responsibility of Chase because of the relationship they have with XXXX and they have forced it into user accounts without permission of the client / customer. Anyone can used their application to send money without the customer 's permission if the account information is compromised.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I can not believe that TransUnion is still reporting inaccurate information on my credit reports even after I have alerted them to the inaccurate information. TransUnion has failed to perform an independent investigation which is a violation per FRCA regulations. TransUnion has failed to correct, remove, or verify inaccurate disputed items which is also a FRCA violation. XXXX XXXX XXXX  : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX : XXXX You need to remove this immediately due to the fact that XXXX is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXXXXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. NO investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX  XXXX XXXX : XXXX You need to remove this immediately due to the fact that XXXX  is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MD)

JPMCB granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s ) including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX  XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.
Consumer complaint received 2019-02-07
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. (CA)

XXXX XXXX XXXX is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XXXX of 2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. XXXX XXXX XXXX acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.
Consumer complaint received 2019-02-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I've been paying on my student loans since XX/XX/2008 to present and every deferment every assistance that they give me increases my loan I have a loan that went from 70 something thousand dollars to {$120000.00} and navient is refusing to assist me. I'm currently on XXXX and still can not make payments nor was I even able to complete School XXXX XXXX closed before I could get my degree
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established  XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

I received an email that appeared to be from my real estate agent stating that HUD does not accept cashier 's checks for closing costs and that I needed to wire my funds of {$9000.00}. When I replied with a not so nice email complaining about the changes in the process I was emailed the wiring instructions that now appeared to be from my mortgage agent. 

The information given to wire the funds is as follows : Bank : Wells Fargo Account name : XXXX XXXX XXXX XXXX XXXX   Acct no : XXXX Routing : XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Remembering the details of my " Wire Fraud Warning Notice '' I received from my mortgage agent I immediately called her to confirm she NEVER sent any such instructions. 
If this person is caught I am afraid they now have my new home address.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Buying windows from Home Depot it was charged to their store credit card account number XXXX XXXX XXXX XXXX. The order was cancelled within less than 5 days because I bought the windows from another store. I contacted the person who came to my home and I was told the charged amount was credit back to the card this was in XXXX of XXXX. In XXXX I received a statement saying I owed the charged amount with interest and late fees. I called the card and explained that these order was cancelled. I was assured that all the charges was removed and the card would reflect a XXXX balance on my next statement. Every month since XXXX they keep adding late fees and interest charges despite calling the previous month to resolve the issue. Not only have they not resolve the issue of the late fees and interest charges but they have incorrectly reported the account as late to the credit bureau affecting my credit since XXXX of XXXX. My credit score has fallen from XXXX to XXXX. Today XX/XX/XXXX I spoke to their client service department ID # XXXX who told me that I have to speak to their dispute department. Since I cancelled this order in a timely manner these charges should not apply to my account. I also asked them to close the account since XXXX and this account remains open for them to keep up charging late fees and interest that should never have been charged in the first place because this order was cancelled and the amount charged to the account never used.
Consumer complaint received 2019-02-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TX)

I have a student loan with Nelnet that I started paying in 2012. At that time, the monthly payment was {$220.00} per month for more than three years. Then, without any notification this increase to {$330.00} per month. Now Nelnet increased to {$370.00} a month. This is a high amount that I have had difficulty paying. I contacted Nelnet and they did not give me any convenient option to make my payments in an affordable way. In addition, they informed me that the loan will be paid in full within ten years from now and this was the same information I was given when I started making my payments in 2012. The total of my debt is {$25000.00} and in ten years I'll end up paying about {$45000.00}. Nelnet must provide accurate information about the payment plans and respect the established conditions.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (KY)

On XX/XX/XXXX, I checked my credit scores, as I usually do on XXXX XXXX. On my XXXX  score, it showed a decrease of 35 points. The Enhanced Recovery Company, formally XXXX XXXX XXXX, says I owe them {$1100.00}. I have never in my life, had any connection with them. The comments stated on my report states that the account was opened XX/XX/2020. I'm requesting that this error be taken off of my credit report as I have had no affiliation with this company as an entirety.
Consumer complaint received 2019-02-06
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. (IL)

I have disputed a loan against my home put on my report by XXXX XXXX XXXX, completely fraudulent. I have fought with them on the phone and via online complaints. They harassed me at work to pay a loan i knew nothing about. explain to me who gives out a loan to someone without even a signature? Was this something online and someone typed in my name and you start calling me at work to tell me I have to pay it? It was supposed to be a loan against my home. To say that there had been adverse complications because of this would be putting it mildly. it has been over six months since my last online complaint, I believe I did it through XXXX  XXXX. And once again this company for tests that their information is true. They have yet to provide any paperwork showing that I ever took a loan out against my home, which was paid off. This is beyond ridiculous that it has dragged on for over seven years. No its not even showing on my credit report and I hear that company has been sold several times. I dont know how to track them down at this point.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX HWARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HWARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX