davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

A few weeks ago, I submitted an application with JPMorgan Chase to refinance my primary residence. Initially, I submitted a loan request of {$400000.00} pending a current appraisal. My appraisal came back, and my property was valued at {$540000.00} which means the maximum I could borrow was 80 percent ( {$430000.00} ). According to Chase own requirements and standards, as a Self Employed individual my DTI could not exceed a 43 percent. After submitting all the required documentation, I was told that based on my taxes for XXXX and XXXX, I could only be approved for {$360000.00}. ( My XXXX taxes are on extension until XXXX ). 

Given this reduction, I asked that the specialist provide me with a breakdown on how they derived to such a high DTI. After providing me with the breakdown, I discovered that the underwriters had miscalculated my monthly bills by approx. {$600.00} per month. Given this error and based off of Chase own policy, I qualified for the {$430000.00}. However, when presenting this to JPMorgan Chase, I was met with resistance. The specialist informed me that although I qualified for the increase that they would not increase the loan amount until they could verify my XXXX income. ( See direct quote below ) Hi XXXX, Thanks for sending us that file, and per your request to send you an email regarding my phone call this morning : since we do not have your XXXX tax returns, we wouldnt be able to update your verifiable income, therefore we have to remain with the current loan amount and counteroffer. 


I was shocked. How is it that I qualify for a {$360000.00} with my 2 year ( XXXX and XXXX taxes ) but I do not qualify for more unless I provide my XXXX taxes? So basically, Chase is saying that they do not feel comfortable giving me {$70000.00} unless I provide my XXXX taxes but are comfortable giving me {$360000.00} with the current taxes they were provided? Obviously, this is unacceptable and should be looked into. I am a minority woman, and this logic appears to be discriminatory behavior.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Portfolio Recovery Associates Llc Account # : XXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX To Whom It XXXX Concern, I hope this email finds you well. I am writing to formally request the original purchase agreement that substantiates your claim as the rightful owner of the alleged debt in question. It is imperative that I have access to this document in order to verify the legitimacy of the debt and better understand the terms and conditions that were agreed upon. 

To facilitate this process, I kindly ask that you provide me with a copy of the purchase agreement that clearly indicates your ownership of the debt. Additionally, I would appreciate it if you could include any relevant terms and conditions that are outlined in this agreement, that states I owe you PRA and we have signed agreement that states I must pay you please include. Having a thorough understanding of these details will enable me to address this matter effectively and ensure that all parties involved are operating within the parameters set forth in the original agreement. If you can not provide please Im requesting Immediate deletion of the unvalidated debt from all credit reporting agencies. Should this issue not be resolved promptly and to my satisfaction, I will request that the CFPB investigate this matter and take appropriate action to ensure that the collection agency ceases their illegal collection efforts and stop reporting inaccurate information to the credit bureaus and request for it to be removed immediately.I expect PRA-to act in good faith by deleting and removing the inaccurate information and providing the requested documents Thank you for your attention to this matter.

Please consider this request with utmost importance, as obtaining this information is crucial to resolving any discrepancies and moving forward with the necessary actions. Your prompt attention to this matter would be greatly appreciated.

Thank you for your cooperation and assistance in this regard. Should you have any questions or require further clarification, please do not hesitate to reach out to me at your earliest convenience. 

I look forward to your prompt response regarding this matter. 

Warm regards, XXXX XXXX
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC (TX)

The car was wreaked while I was at the stop sign. I was hit by a car the police was chasing and by another car that was at another stop sign. 

The car was totaled out and sent to the impound center. 
I informed the car company " XXXX  '' what happen. 

I never heard anything back, and now Jefferson Capitol LLC has it. Purchased it for pennies on a dollar. I asked for verification and proof of a wet signature and a approval letter to them from myself, stating that I gave permission to purchase this debt.
Consumer complaint received 2021-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

I received part of the loan. I received {$2300.00} out of {$3000.00}. Was told that's just the way it is. I said to take the money back and they refused. This was on XX/XX/2021. It's been an on going feud since then. They call with harassing phone calls saying hey XXXX payments due. They refuse to send me the loan documents. They lied to the XXXX Attorney Generals office about the situation and it just keeps getting worse. They are harassing me and still won't show any paperwork validating the loan.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (CA)

Account Name : ONEMAIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX uses XXXX XXXX XXXX collection services to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and XXXX  refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted Experian and XXXX  regarding this and this was their suggestion because they say that XXXX keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (FL)

I disputed information in my Experian Credit file regarding a closed account with XXXX. The report incorrectly stated the account was settled in XXXX. In reality the account settled in XXXX. After my dispute, Experian began to report the account settled in XXXX? 

When I followed up with Experian to dispute the incorrect update they claimed the new information was modified by XXXX. When i contacted XXXX, they claim Experian modified their reporting. 

It is evident that Experian is not looking to correct misinformation. How can an account be reopened and settled 6 years after the fact without documentation?
Consumer complaint received 2021-07-23
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (DE)

I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM FROM NATION CREDIT ADJUSTERS IN REGARDS TO AN ALLEGED DEBT FOR {$1200.00} OWED TO XXXX XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE PROMISSORY NOTE SHOWN AS EXHIBIT C IS NOT CORRECT. I HAVE NEVER LIVED IN TEXAS IN MY LIFE. SECOND, THIS ALLEGED DEBT IS FROM XX/XX/2015. TEXAS LAWS STATES THE STATUTE OF LIMITATIONS ON DEBTS ARE 4 YEARS. NOT ONLY IS THIS DEBT FRAUDULENT, BUT IT IS ALWAYS IN VIOLATION OF A STATE STATUE. LASTLY, NATIONAL CREDIT ADJUSTERS ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) NATIONAL CREDIT ADJUSTERS ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, NATIONAL CREDIT ADJUSTERS ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$1900.00}.
Consumer complaint received 2021-07-23
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK (TX)

On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that Gateway was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also Gateway should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.
Consumer complaint received 2021-07-26
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX {$2500.00} Closed 1 potentially negative month Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Unsecured Loan This account is no obligation of mines 15 usc violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent. This Constitute identity theft by Experian 18 usc 1028 According to the FCRA Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other identifying information, without authority, to commit fraud.
Consumer complaint received 2021-07-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (FL)

I signed a purchase contract on XX/XX/21 and started the mortgage process with United Wholesale Mortgage in XXXX, MI. The usual process of paperwork was started and was progressing towards closing. The initial date for closing was for XX/XX/21. I received my 3 Day Closing Disclosure on XX/XX/21 and was told to wire funds to attorneys office for {$19000.00} on XX/XX/21. The closing did not take place until XX/XX/21. On XX/XX/21 at XXXX XXXX  I was notified that I needed an additional {$6000.00} to close the loan the next morning!! I asked why and was told that the back ratio had changed to 46 %. At the given time, the FHA guidelines allowed me up to 52 % debt ratio without any problem getting the loan. I said that nothing had changed with my debt or income, how could that have happened. I was never really given an explanation. I was desperate to close the property. I received my final Closing disclosure at the closing table at the attorneys office at XXXX XXXX  on XX/XX/21. I feel that I wasn't give the proper notice before closing. The loan amount changed, along with amount to close, and the interest rate. I wasn't given a 3 Day Disclosure with all of these changes until at the closing table.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I filed an identity theft report with the FTC because I am a victim of identity theft. my information is in the wrong hands and my information was compromised by the Equifax data breach.
Consumer complaint received 2021-07-22
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: Santander Consumer USA Holdings Inc. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-07-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was checkiung my credit yesterday because I am rearing to purchase a home and I noticed fraudulent and unauthorized accounts that are currently reporting to my credit profile. I do not know who accessed my credit without authorization, and I didnt give authorization to any of the listed creditors to pull a credit report on me. The accounts are as followed : Account Name : Auto Credit Account Number : XXXX Amount Owed : {$12000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : Capital One BAnk USA Account Number : XXXX Amount Owed : {$400.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Amount Owed : {$800.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 XXXX
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX # CAPITAXXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After recently reviewing my credit report I noticed several inconsistencies regarding Bankruptcy - XXXX. In the reference number section, XXXX  is reporting the reference number as XXXX and court US BKPT CT NJ XXXX. XXXX  is reporting reference number XXXX and court US DIST CT, with no latest status date. And Transunion is reporting XXXX and court U.S. Bankruptcy Court. Now all three of these Bankruptcies can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-23
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: CITIBANK, N.A. (FL)

I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account Citicard cbna : XXXX {$440.00} this is not my account. 

XXXX XXXX XXXX XXXX {$530.00} this is not my account Receive recov : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

Received Fake text message claiming from Pay Pal. But the phone number was suspicious and so was the grammar. XXXX. 

Message Claimed " You have sent payments of {$15.00} to XXXX. If you feel you do noit recognize this payments, Log in to PayPal " XXXX XXXX XXXX XXXX XXXX XXXXXXXX