davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED ATLANTIC MORTGAGE CORP OF VIRGINIA (VA)

On XXXX XXXX, my wife received a pre-approval for a loan with United Atlantic Mortgage CorpXXXX Of Virginia XXXX NMLS # XXXX and was given an approval letter stating the address of the property, sales price, down payment, loan amount, monthly payment, interest rate, APR , and no indication or statement of the rate being based on buying down or any money needed to buy down the rate at closing. This prompted her to choose United Atlantic Mortgage as her lender and proceed with purchasing a home. 
She received an email on XXXX XXXX from the lender with the approval letter stating that the rate was locked in at 5.875 % ahead of the pending downturns in the real estate market. 
XXXX XXXX - notified by United Atlantic Mortgage that the rate previously quoted was with a XXXX payment due at closing to buy the rate down. We contacted United Atlantic Mortgage Corp and showed them the pre approval letter and email stating we were locked in and XXXX XXXX stated " all lenders give their rates assuming a payment from the applicant to buy down the rate ''. She also said, " I know it looks like a bait and switch, but it's not ''. 
We have attempted to work with this company and simply want the rate that was given in writing, the reason we went with them, to be honored, WITHOUT having to buy it down, as it was originally guaranteed.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (CT)

I had an account with peoples back which has changed to M & T We had bought checks for around XXXX $ worth After the merger/acquisition, the past checks will be valid only until XXXX. 
When we asked the branch if they would replace our checks, we were told that we could just use our checks completely ignoring our request. This ignores that our checks will not be valid in some weeks. 
This is just an extra fee and extraction from the back. 
We will try asking the branch again ( we dont have much hope though ) Hoping that your organization can make this right to all this banks customers. 
Best
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (DC)

" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (DC)

On XX/XX/XXXX, I received an offer from Transworld System Inc to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XX/XX/XXXX, I spoke to a collections department representative of the XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor ) who verified the offer but instructed me to contact Transworld. On or about XX/XX/XXXX, I spoke with XXXX XXXX of Transworld Systems who also verified the offer of {$2000.00} to settle the account in full. On XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the Transworld offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that Transworld has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXX I did not receive the closed account letter that XXXX XXXX stated. But instead, Transworld sent me another offer letter dated similarly to the first offer letter, dated XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. 
I spoke with XXXX XXXX on XX/XX/XXXX at XXXX who stated that to disregard the letter and that the closed account notification letter was mailed from Transworld XXXX XX/XX/XXXX, and that I should receive it soon. On XX/XX/XXXX, I called to Transworld Systems again at or about XXXX and spoke to XXXX XXXX XXXX in error offer letter that I had received on XX/XX/XXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XX/XX/XXXX. To This very day I have not received the letter promised by Transworld Systems absolving me from the debt.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

I got a text message on XX/XX/XXXX from the Comenity Fraud dept to verify a XXXX XXXX  XXXX  purchase for {$360.00}. I had not seen this text, but I did try to use the card earlier in the day and it was declined. Because I wasn't comfortable responding to the text that was sent to me, I tried calling the number on the back of the card, I was not able to get through and the call was disconnected. I tried many more times since XX/XX/XXXX and I still can not get through after waiting more than 20 minutes per call. 

I was able to go online and submit a help ticket/complaint, but I haven't gotten a response. I currently have a credit of {$520.00} on my card and at this point I just want to close the account and get my money back. 

Is this something you can help with?
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (GA)

Attn : XXXX of the XXXX - Citicards I took advantage of a promotional offer from Citi to use a cash advance at a low introductory rate, which included a balance transfer fee. Prior to that, I hardly carried any balances on my card or any other credit cards. I received offers for a balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX XXXX Department XXXX # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to notice that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money..
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NY)

I lost my debit card on XX/XX/2022, I called Robin Hood and was told I will be issued a new card. Beyond a reasonable period for a new card from XXXX days, I do not believe Robin Hood put the request in for a new card due to Robin Hood 's length of inaccurate bold lies and duplicity of information. On Friday, XX/XX/2022 I attempted to use a Touchless ATM as advised by Robin Hood 's employee on the original phone call to request a replacement card. The Touchless ATM did not work because you need a card to use it that I lost the Employee knew this option was not going to work but insisted that it would and I would be fine in withdrawing funds. on the XXXX I message RobinHood for Assistance with outright aloofness I received the most incredible incomprehensible information after waiting for hours Friday Robin Hood says they have XXXX customer support but that never manifested itself here it is XX/XX/2022, and I have yet to receive a call back from Robin Hood that will help in resolving this matter Robin Hood has a pattern Robin Hood has in the past charge me twice for the same transaction on robin hood final statement reporting on the revenue it is made to look that Robinhood had many more transaction than they actually did because the other was fake and they stole money from my account and have yet to return it they use it as a hold then charge you on top of the hold, for example, you have XXXX USD in your account the item cost XXXX USD Robin Hood hold the XXXX USD and say they will release the XXXX USD but turn around and take the XXXX USD leaving you with XXXX USD paying the merchant XXXX USD and pocketing XXXX for themselves when I complain they made all sorts of lies I have yet to get my money back I hope you share with SEC about a publicly traded company before going public cooked the books XXXX
Consumer complaint received 2022-10-03
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)

Experian has continue to state XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX has reported bankruptcy on my credit file. 
XXXX XXXX has advised they are not responsible for the use or misuse of any information gathered by third parties and do not report information to any one. Experian has contiued to lie about this information
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

A block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (MS)

I applied for a loan online on about XX/XX/28. I received a phone call the man said he was with lending tree and my loan had been approved. He had my information and wanted to verify it. Then he said the loan manager would call within 30 mins to let me know when the funds would be transferred to my bank account. I never got a call. I called back the next day and I ask this same man I talked to if they deposited to XXXX XXXX. He put me on hold said to check he came back and said yes dont worry about it they deposited to my bank. He kept saying don't worry about it. He transferred me to another man the loan manager who said it would be transferred and they did work with my XXXX XXXX and the 1st man would call me to let me know when to expect it. He sent a code to my email he said to verify it and I had to give him the code I got. Never got a call telling me when to expect funding. I called him back and had to leave message. The voice mail was generic and didn't say lending tree so I begin to worry because they have all my info. Name address social email bank account. I didn't get a call back. On XXXX I called back and was told they don't do business with my bank and they would not mail a check. If I needed funds I must go open an account at a different bank. These people lied to me and have all my info. They said they could not tell me why they don't do business with my bank and refused to mail a valid check for XXXX as promised.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022 I mailed my monthly mortgage payment to XXXX XXXX  in the amount of {$7500.00}. The check had not gotten their by the XXXX which is the grace period for my mortgage. I worked with my mortgage companies manager in some department to submit a lost request and was told they would look for the check. 
On the morning of Saturday the XXXX I noticed that yesterday on the XXXX my mortgage check was cashed. Now normally when my mortgage company cashes my check it shows as CHECK # ( Insert Applicable Check Number Here ) MORTGAGE SVC CTR CHECKPYMT ARC ID : XXXX and I am not able to see the image of this check. Now this check that was cashed on the XXXX appeared as just CHECK # XXXX and it allowed me to look at the image. I found this weird so I clicked on the image and upon viewing it saw the check was made out to " XXXX XXXX '' now when I wrote this check it said XXXX XXXX  on it not " XXXX XXXX '' I did however notice that my signature, date was the same. However the only other thing other than the name that was different was the memo. Normally I write my account number in the memo however this memo said " Maintaince '' spelled incorrectly I assume trying to look like Maintenance. I immediately called Chase and they opened an investigation. I was told that I had to wait for a declaration to be mailed to me in order for them to start processing the investigation. The declaration took a little over a week to come all that time I was still out nearly {$8000.00}. I ended up having to drain my emergency fund to pay the mortgage and that now means that if something happens to me that it would be disastrous as I have many bills. Chase then informed me after sending in the declaration that this take anywhere from 60-90 days. I was told on the phone by chase to take cash advances on credit cards or find other means to get money. This is absolutely a ridiculous thing to say to a long time customer and is extremely unprofessional.
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (TN)

I started receiving emails from the company UPGRADE saying that I was just steps away from receiving {$3500.00}. Stating this is a reminder that we still need the following items so we can finish the final review of your loan : Bank Statement or Voided Check The problem is, I have never contacted, emailed, submitted anything online or anything, period, to UPGRADE at any time. I have enough credit and credit cards and have no need for anything of this nature. 

I called UPGRADE on XX/XX/2022, at XXXX XXXX. The representative had all my information, DOB, SSN, Address, Phone Number, and email address. I have never provided this company with any of that information. Especially my DOB or SSN. I asked how they got my information and the representative tried to put it off on me, that I must have gone online or was a member of XXXX XXXX. 

The company, UPGRADE, has obtained my personal financial information and personal identity without my permission. This is FRAUD in the making. This is an unacceptable business practice, and illegal. 

I am filing a formal complaint to you, the XXXX and the CFPB, on UPGRADE, as I want this investigated and the appropriate measures taken. This is identity theft!!
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- CAPITAL ONE WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE ON MY CREDIT REPORT
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 Usc 1681 Account Name XXXX XXXX XXXX  # XXXX, Account Name - XXXX XXXXXXXX XXXX  # XXXX, Account Name - XXXX XXXX  # XXXX, Account Name - XXXX XXXX XXXX  XXXX  # XXXX, Account Name - XXXX  / XXXX XXXX # XXXX, Account Name - XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a5 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 an 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.