davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (OK)

We were supposed to close on a condo loan on Fri XX/XX/XXXX. We have been upfront with the mtg loan officer since the inception that we were buying AN 'AS IS " is home and as soon as we close we were going to do multiple projects starting with removing popcorn ceilings painting interior, redoing 2 baths and redo kitchen etc. Multiple problems arose with a structural report, lender making us fix numerous things before closing or escrowing additional money for it when we told him we were going to do this when we own the property. We were also personally disrespected with him saying XXXXYOU ASK TOO MANY QUES ' AND " I JUST TOLD YOU ''. We have been home owners since XXXX and since our retirement have gone minimalist route and now decided to get a humble condo with a {$56000.00} loan putting XXXX per cent down. We originally were told closing costs would be {$5000.00} and now its close to {$7000.00}. In addition they want extra ESCROW to put BANDAIDS ON the things were are going to renovate in toto. We told this loan officer this from the inception. We had been told by another realtor that this loan officer was not good and prevented another closing in the past and she did not care for him but by the time we found out we were in tons of paperwork. I dont want this to happen to anyone else. My husband and I feel discriminated on in many levels. XXXX XXXX, XXXX last name and condescending abusive language. We told his supervisor who said he would give him extra training but no one tried to expedite in a timely manner to keep our closing date. With the contract b eing broken by the lender we cancelled on this date XX/XX/XXXX and are requesting our {$500.00} deposit back. We were starting to get flack from the loan officer and were never aware of the structure report. 

I wonder if there are kickbacks here from not closing. We were also made to take a XXXX XXXX course with no explanation except it would save us a lot of money. Pls help.
Consumer complaint received 2024-10-24
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. (NJ)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XXXX certified mail sent to Equifax XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. - Equifax refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account.

I advised Equifax of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Equifax did not complete a thorough investigation. Equifax allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Equifax removed both collection accounts from XXXX XXXX and XXXX XXXX from my credit report twice in the past 120 days. The latest being XX/XX/XXXX. I was not notified on either occasion of the accounts being added back to my credit report within 5 days which is required under federal law FCRA 611 ( a ) ( 5 ) ( B ).

Equifax has violated The fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally dispute an incorrect late payment entry on my credit report associated with XXXX XXXX XXXX, account number XXXX. This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 USC 1681, Sections 602 and 604 ( 2 ), as well as 15 USC 1666b. 

Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/2023 Amount : {$460.00} Violation of FCRA ( 15 USC 1681 ) : The inaccurate late payment entry is a clear violation of the FCRA, which mandates accurate and fair credit reporting. 
Violation of FCRA Sections 602 and 604 ( 2 ) : These sections outline the responsibilities of credit reporting agencies to maintain accuracy and the permissible purposes for which credit information can be furnished. The false late payment entry fails to meet these standards. 
Violation of TILA ( 15 USC 1666b ) : This section of TILA requires creditors to promptly credit payments. The alleged late payment was actually made on time and should have been credited as such.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

Summary : My credit card Citi XXXX XXXX has authorized XXXX to charge me for a service/product that I did not authorize, and that XXXX did not provide, and will not provide. 

Details : Several years ago I set up a placeholder website with XXXX, using their domain registration and hosting. 

Their domain system failed to renew the domain in XXXX of XXXX, meaning the hosting was not useful to me. 

XXXX attempted to process the payment on XX/XX/XXXX and it failed, as it SHOULD HAVE because there was no valid card associated with that account. 

Later, when looking at my credit card statements, it became clear that XXXX had associated a credit card/payment method, Citi Double XXXX XXXX XXXX with that subscription and charged it *without my authorization*. 

I contacted my credit card provider Citi XXXX XXXX XXXX to notify them that this was not an authorized charge. I filed a dispute, but given the retardedly over simple method of their mobile application, with only a handful of multiple choice options, I was unable to clarify the problem fully. 

They decided with XXXX  that the charge would be honored. 

XXXX collected {$220.00} for an annual hosting plan. 

XXXX was NOT authorized for that purchase. 

They will not provide or honor that hosting plan. I was charged for a product I did NOT authorize, and did NOT receive. 

This is unjust.
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. (FL)

I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I called AmEx in early XXXX, because I accidently paid two balance in full payments, the alert made me jump out of bed early in the morning. I called AmEx immediately, expressing several times that I am just waking up and to bare with me. You'll hear this on the call. 

Everything was great with the refund. We end the call, and she throws a really attractive upgrade offer at me ( early in the morning ) so I said let me think about and I'll call back with a " no problem '' in response. The upgrade is nowhere to be found and I'm heard it was DECLINED?! This is extremely deceptive of AmEx.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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. (SC)

I am requesting deletion of the XXXX XXXX XXXX  from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported I have had a collection since XXXX of XXXX but the account was reported open in XXXX of XXXX??? 
XXXX XXXX  WAS OPENED IN XXXX OF XXXX, SO EXPLAIN TO ME WHERE XXXX OF XXXX IS COMING FROM ON MY CREDIT REPORTS ( THIS IS FROM XXXX, I DISPUTE IT AND IT COMES BACK VERIFIED?? WHERE IS THE CONTRACT WHERE I SIGNED THIS IS XXXX OF XXXX??? ) THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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
Consumer complaint received 2022-10-04
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. (AL)

I have struggled to make my student loan payments at several times over the life of the loans. When contacting Navient, I have not been given adequate help, but have been met with attitude and incompetence. I have never had a representative go over all the options available to me. Because of this, I have had many years where I was paying money when other options were available. Navient has taken thousands of dollars from me over and above the cost of my original loans, and after all those payments, I still owe {$9000.00} more than the original loan amounts. I paid off a loan yesterday, and my rate increased overnight almost a whole percentage point. However, when I called to speak with a representative, I was told the interest rate was based on the market value, but she could not tell me what the market value was or whether it had increased. However, when the markets tanked several years back, my interest rate was never reduced. I have never received a market reduction, only increases. This seems predatory. Im trying my best, and Navient is also trying their best to make it hard to get out of this debt. Sallie Mae knew what they were doing offering loans to kids who didnt understand what they were signing. They took advantage of kids who wanted to get a degree. Please help me.
Consumer complaint received 2022-10-02
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: JPMORGAN CHASE & CO. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer agency can not furnish an account without my written instructions. In 15USCS 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-04
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. (LA)

XXXX of 2022 I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

The Experian reported false information without evidence to support XXXX claims. No evidence has been reported to me and XXXX XXXX says they never reported this
Consumer complaint received 2022-10-02
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: National Credit Adjusters, LLC (TX)

This collection account is paid in full with {$0.00} balance however NCA and XXXX continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. XXXX always comes bdvk within 7 days as verified with no documentation as requested.
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (PA)

I submitted my application for the PPP loan program of the XXXX at Wells Fargo on Saturday, XX/XX/XXXX around XXXX EST. I checked the last time at XXXX EST that morning and the portal was not available. Therefore I applied within two hours of the portal first opening. A fellow Pennsylvania franchisee applied at XXXX EST the same day, or around two hours after I did. He received his approval and funding on Wednesday, XX/XX/XXXX and I haven't even received a confirmation of my loan approval yet. 
I was told by a Wells Fargo representative that the loan process was done completely online and was not using any filters, but was processing application in chronological order. Obviously, that is incorrect and the only difference between me and the other franchisee 's business is that he started two years ago and I am a first-year business. Therefore, Wells Fargo must have used a risk filter to pick which applications it was approving. This appears to be an unfair practice to me and I might now be forced to shut my business down, since I can't cover payroll much longer.
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 — Report provided to employer without your written authorization
Company: Entrata Inc. (NY)

Entrata INC has ran my credit report twice without my consent. 

First on XX/XX/XXXX XXXX on XX/XX/XXXX I was told by the leasing company that they wouldnt run my credit report as a guarantor of a lease and then a week later I get a credit inquiry. 
I called the leasing company and apparently they by mistake ran my credit report instead of someone elses.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (NC)

My car was totaled in XXXX of 2020. At the time of the accident, I owed {$13000.00} on my vehicle. The full amount of {$13000.00} was paid by my insurance company ( see attached the settlement statement ). I pulled my credit report recently to find a charge-off balance of {$2100.00} from XXXX XXXX XXXX XXXX with late payments. This false information has been on my report for two years and has no doubt caused me to be denied for credit and to have high interest rates on credit that was extended. Attached is proof of the settlement breakdown, a screenshot of all 3 credit reports, and snapshot of the check number issued from the XXXX XXXX coverage. Please resolve this matter immediately. Thank you.
Consumer complaint received 2022-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX as trustee for XXXX 2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX PA, XXXX XXXX. 
ILigally foreclosed our homes d trying to evict us. 
No standing, don't own the note, we watched the mortgage, they have vomited federal crimes to steal our home.
Consumer complaint received 2022-10-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I TALKED TO A TRUIST REP, AND SHE SAID NOW THEY CAN GIVE ME AN OPTION OF A VA DISASTER MODIFICATION. BUT I DON`T UNDERSTAND IS WHY THEY FAILED TO OFFER ME THAT OPTION BEFORE BACK IN XXXX. THE VA HAD 2 OPTIONS FOR VETERANS BACK IN XXXX. THEY WERE SAYING THAT MY LOST MITIGATION PACKAGE WAS INCOMPLETE AND THAT IS ONE OF THE QUALIFYING MEANS OF GETTING THAT OPTION. IF THEY HAD OFFERED THAT OPTION I WOULD`VE SIGNED THE DOCUMENTS FOR THE MODIFICATION BUT THEY WANTED TO GRANT ME A EXPLOITATION OF TERMS. MY CASE WOULD`VE BEEN IN THE PAST. THEN THEY THROW THE PACKAGE IN THE TRASH WITHOUT THE OFFER FROM THE VA. NOW YOU SAYING I AM 19 MONTHS BEHIND IN MORTGAGE PAYMENTS? MY FORBEARANCE STARTED ON XX/XX/XXXX AND ENDED ON XX/XX/XXXX, SO YOU SAYING I MADE NO PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX. ( XX/XX/XXXX TO XX/XX/XXXX = XXXX ) AND XX/XX/XXXX TO XX/XX/XXXX = XXXX. YOU STOPPED MY PAYMENTS XX/XX/XXXX.