davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I got out the military in XX/XX/XXXX. There is a XXXX of XXXX charge off in the amount of XXXX showing as charged off in XX/XX/XXXX when this was actually charged off back in XXXX. I tried to call the number that is showing on my report XXXX XXXX XXXX to get them to update there records but the line says its a non working number.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I opened a Chase checking account using a promotional coupon I received from Chase which offered a {$200.00} reward if certain conditions were met. On XX/XX/XXXX i received an email from Chase stating that there was possible fraud on my account and that i should go to the nearest Chase branch with 2 forms of ID to address the issue. Once i arrived at the Chase branch, I was told that my checking account had been compromised and that my account would have to be closed, and a new account opened to replace the old account. So the Chase branch closed my existing account and provided me with paperwork and an account number for my new Chase checking account. On XX/XX/XXXX, I realized i had not received the {$200.00} in my checking account and I went to the Chase Branch to inquire why not. I spoke to the Vice President at the Branch, XXXX XXXX, who said she would research the issue and get back to us by XX/XX/XXXX. On XX/XX/XXXX, after not hearing from Ms. XXXX, we called her and she explained that since " we closed the original account, '' we would not be getting the {$200.00} reward. We explained that " we '' didn't close the account, Chase closed the account due to fraud. She continued, very rudely, to explain that there was noting she nor Chase could do and that we would not be getting the {$200.00} reward, even though we met all the requirements for receiving the {$200.00} reward. I was very upset and inquired about closing my accounts to which she replied, " you already know the procedure for closing your account, you did it the first time. Its just like you did it before. Come in to the Branch with 2 forms of ID and we'll close it. '' This made me extremely upset. XXXX XXXX is falsely implying that we voluntarily closed our Chase checking account. We did not. Chase closed our checking account when they noticed someone tried to fraudulently withdraw from the account, and then Chase opened a new account. 

Ms. XXXX was extremely rude, cut me off when I was talking and made it seem like we did something wrong by allowing Chase to close our compromised account. Chase is attempting to withhold the {$200.00} new account award by closing my original account and opening a new account, and then placing blame for the original account closing on my wife and I.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NY)

I closed out my XXXX account in XX/XX/2018. I was informed that I need to wait for the coming month 's bill to pay a {$71.00} service fee ( for closing the account ) - the last bit of money I owe XXXX. 5 months later, I received a credit alert that my credit score has dropped 32 points by a derogatory report filed by Diversified Consultants. I have never received any communications regarding the collection so I was utterly shocked by the news. 

I called Diversified Consultants and was told that XXXX never updated my address and XXXX furnished them with my old apartment address. Hence I never received any notices on the attempted collection. I then paid my bill in full and asked Diversified Consultants to update the derogatory report, they told me that it is XXXX 's fault by not updating my address and refused to assist me.
Consumer complaint received 2023-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I have my homeowners insurance escrowed for payment. I received another bill from my homeowners insurance company that it still had not been paid. I called the insurance agency and they informed me that i currently do NOT have insurance due to NON payment. After 3 hours trying to get someone to either answer the phone or figure out what is going on, I finally got ahold of someone at MR. Cooper who now tells me the payment went out today!! 

This is unacceptable and I see they have been sued in other states for the same thing. What if something catastrophic happened? Because they didn't pay the insurance i would have not been covered but still made responsible to pay my mortgage. 

Something needs to be done about them not paying peoples taxes and insurances. They are taking our money and not doing what they are legally bound to do according to our mortgage agreement.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

I applied for a mortgage with Quicken Loans on XX/XX/2018. 
They sent me the initial disclosures, a day outside of the mandatory 3 day window. They had changed the loan amount from XXXX to around XXXX as well as the interest rate, of course it went from XXXX to XXXX. 
I've been asking for weeks to have it changed back or for them to explain themselves without any answers. Instead they send me emails, call me and try to pressure me into proceeding without ever addressing the concerns. Then today, almost 3 months later I get an email and the loan officer (  2nd loan officer after I requested a change ) told me that once I'm approved for a loan he can talk rates and fees. Are you serious? You want me to submit all of my documents, pay for an appraisal and then once you've approved my loan, you'll tell me how much its going to cost me? This is the definition of unethical, and clearly in violation of TILA.
Consumer complaint received 2019-01-17
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. (CT)

I received an alert yesterday ( XX/XX/2019 ) of a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from Equifax. I have not been an XXXX XXXX XXXX customer for years now so I inquired. There were no unpaid charges to my old account. However yesterday my credit was ran by XXXX XXXX XXXX an someone that had my SSN, DOB and address in Connecticut was allowed to open an XXXX XXXX XXXX account with " three lines '' in XXXX, Puerto Rico according to XXXX XXXX XXXX. They supposedly froze the account but were suppose to email me confirmation of all of this and after 17 separate times in the last 48 hours of me trying to contact the XXXX XXXX XXXX fraud department ( XXXX XXXX ) I continue to get hung up on and still have yet to receive confirmation that my identity is once again secure or that any action has been taken against the individuals who have stolen it and I have no idea how far this is going to effect me. I filed a consumer protection alert with XXXX and supposedly this will be forwarded to the other credit bureaus but I have yet to receive any confirmation from them either.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (CA)

I made an initial complaint against the company on XX/XX/2023. The company has said this account was forward to them when that is a complete lie, they purchased this debt, from fresno XXXX. The company has decided to note my cease and desist request, and have noted they will not communicate with me directly in the future, yet has completely ignoring my request to have this collection removed from my consumers report. The company stated that they were in contact with me when I stated I was going to take legal action against the doctor in an unrelated case, when in reality, the unrelated case in exact reason for this debt. At the time I had spoken to this company and told them I was taking legal action against this doctor the fees associated with this account were not yet deemed responsible to the doctor. After taking the doctor to court and winning, all fees associated with this XXXX are the doctors responsibilities! They should have gotten in touch with their client they purchased the debt from to collect on this debt. I have legal documentation that I plan to get from my lawyer who represented me in this case that shows these fees are obligated to the doctor who performed my XXXX. Then the company noted they decided to file a lawsuit against me because they had not heard anything from me, there was no way I could have spoken with this company because I was incarcerated.Not only do I have documentation that shows Im not obligated to this debt, I have documentation to show that this company took legal action against me while I was XXXX. There is no way this company should have been able to take me to court and get a judgment against me to force me to pay on this debt while I had no knowledge this lawsuit was even filed, and there was no way I could have properly represented myself while being XXXX This company is acting in dishonesty! There is no way CREDITORS BUREAU USA should be hiring attorney to take people to court when they are not properly noticing the people they are taking to court that they have court. what CREDITORS BUREAU USA did to me in completely ILLEGAL! I'm sure this lawyer who went to court against me lied and told the judge that I was served when I was never served. I have known nothing about this judgement up until now!
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I have a department store credit line and for the most part.i bought a lot of faulty items at Walmart.I bought 4 different prepaid phones from various Wal-Mart 's across the USA and all have been absolutely faulty.Walmart has also sold me a black molded Green pepper on the inside, which I have pics and a friend to back up this claim.Walmart is not thoroughly checking all products sold at it's locations.Their customer service lacks also in resolving these disputes which is to suppose to be 1-2 billing cycles and still a year later, a simple dispute has not been resolved for the phones.I was hesitant to get a line of credit here and this proves it.
Consumer complaint received 2018-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

We contacted our mortgage lender on XX/XX/XXXX with an email requesting PMI removal as per their instructions. We were told processing would take 7-10 days for a third party appraiser to come out and begin process. No response. 

We called the lender on XX/XX/XXXX to check on status and they claimed never receiving the first email. We again emailed the same PMI removal request. They confirmed receipt of email and told us it would be expedited. No response. 

Called the lender in early XXXX and asked about status to then be told the process takes 30-45 days! No response since then. 

Now that the 45 days have passed, we have still not heard from the lender.
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

XXXX US BankXXXX is excessively holding funds that were on pre-authorization from a hotel stay I had at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The property has been willing to work with the card company but the card company 's representatives consistently give erroneous information. I was first told that upon submission for card XXXX XXXX XXXX XXXX that as long as there was a CARD ID provided that the amount given on the merchant release letter did not have to match what the card company has. This is significant because the card company charges an additional 20 % of incidental charges for any service industry charge yet the property can not see that. Each time the merchant sent a release form it takes four hours to process for each mistake is costing me four hours of waiting time. The property doesn't normally submit a form on a charge that they can't see buy again, to assist they did so. I conferenced in the property with the bank and agent XXXX XXXX is on recorded line stating with confidence that it the hotel would re-submit the form with the amount " {$80.00} '' that, that amount would be released as of yesterday XX/XX/18 that she would be able to release once the fax was processed. So Again I waited another four hours, a total of eight. I had no where to stay and that amount was to be released so I could get room and board. Approximately XXXX XX/XX/18. I called for the release and was now told that information given be XXXX XXXX was erroneous this makes two conservative call like this. To compound the issues subsequent agents were rude and unwilling to assist and they were address with an appropriate response. I then got Ms XXXX XXXX back on the line in which she completely contradicted herself bringing her integrity into question. I then spoke to someone claiming to be her supervisor who continued to reiterate lies. All the while I, the customer have no place to go until my money is released days from now. This is also hours after the property who originally submitted the charge had placed in writing that they were releasing that amount and would not purchase any additional amount for payment. My bank, the institution that's supposed to protect now punishes me with bad information and lies and in effort to cover it up they continue and instead of helping their own customers and this pattern has caused me to seek damages. Please assist
Consumer complaint received 2018-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

am a XXXX service member for last couple of years, I was recently XXXX  to XXXX XX/XX/XXXX, I was in XXXX XXXX in XX/XX/XXXX with my family were also relocated at that time, this year my family returned home and I got a change of station to XXXX and my family, my kids and wife living in the home that Nationstar aka Mr. cooper trying to foreclose on my home and kick my family out, I applied for modification last year XX/XX/XXXX and denied mod and hired a paralegal XXXX XXXX in which I signed a durable power of attorney to help me negotiate the mod and help me force lender to give me a mod until today there has not been any respond for the appeal nor they speaking to my attorney by power of attorney and claiming she isn't attorney they wont speak to her and harassing my family by sending people to my house and posting notices on my door ( scare notes ), they also recorder a notice e of default on, my property XX/XX/XXXX ignoring the fact am not home and my family has no place to live in while am out, this lender is corrupted and request your assistance to force them to give me a mod request sent last year and over turn the denial please. yes I had problems paying in the past but they knew the reasons why, I was injured in XXXX  and had to take time off the service to rehabilitate and my pay was cut and have a son that's XXXX  and had bunch of medical bills too to be paid and we had financial hardship at that time.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor.

Numerous unauthorized hard inquiries are also showing on my report.
Consumer complaint received 2018-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MILLENIUM HOME MORTGAGE LLC (NJ)

I closed on an FHA loan in XX/XX/2014. Prior to closing, I was provided with the INCORRECT PMI disclosure statement, which advised that MIP/PMI would eventually be eligible for cancellation. I understand NOW the guidelines of FHA, and understand MIP can not be cancelled on this loan for the entire life of the loan, due to closing LTV. However, I would not have closed on the loan if I were provided with all of the details prior. I consider this " bait and switch '' and " predatory '' lending.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

i had a debitcard on the XX/XX/2018 from the usaa mobile app. It was not me or anyone else authorized for the ordering of a new debit card my phone did not do the request. I would like the request for a new debit card from the usaa mobile app to be investigated to find out the phone or person or persons responsible for the unauthorized order of replacement debit card. The fraud depart at usaa is going to be doing an inner investigation on their end but part of their investigation process is to fill this fraud report out
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (MD)

Dear CFPB, This complaint is for Barclays XXXX Credit Card ( Application ID XXXX ). 

I have more than 700 credit score and I have other multiple credits cards with XXXX  XXXX XXXX and XXXX. 

However, Barclays is repeatedly denying my application. 

After talking to them, they said I do not have a cell phone, so they can not accept my application. 

I have provided them my SSN, my full credit check and my address. 

They are asking me to mail them paper copies of my Driver License, SSN card, Utility bill and bank statements. 

I am afraid, this is unfair. What if my papers are used for identity theft. What if my papers are lost. 

I am perfect credit score. All other banks have easily accepted my application. Why is Barclays being so unfair in approving my application?
Consumer complaint received 2023-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CAPITAL ONE AUTO FINAN Balance details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Joint Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I was the cosigner on a loan for a vehicle with World Omni Finance. Omni could not find the borrower so they took me to court saying that I would have to pay the remainder of the loan that was left over after the sale of the vehicle. That amount was around 15K. Since then they have added anywhere from 127 to 427 a month in additional late fees ... and sometimes twice a month. I have no documented payment agreement with them that states they can charge me late fees. I would like these fees removed and the way they are reporting this to the credit agencies ( repo or foreclosure ) to change to repo only. Thank you.