davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Application was made on or before XXXX ( online through Quicken Loans aka Rocket Mortgage ) ( with disclosure about Child-Support income from my fianc ( XXXX XXXX ) Pre-Qualification was received on or before XX/XX/20 On or after XX/XX/20 Email was sent to XXXX XXXX ( MLO ) requesting clarification on the approved loan amount vs the max FHA allowable limit for XXXX XXXX , County. 
MLO ( XXXX XXXX ) responded stating that due to Debt-to-Income ratio we would not be approved for the higher loan amount. 
We submitted the following : 1. Original and current Court-Ordered Child Support reflecting a monthly award amount of $ XXXX/Mo. ( Only receives $ XXXX monthly ) 2. Bank Statements reflecting the consistent weekly deposit and proof of receipt for the last 3 years. 
3. Proof that the Child Support would continue for the next 3 years for the remaining children under 18 ( One child is XXXX and the other is XXXX ) 4. XXXX FHA Guidelines reflecting the allowable use of Child Support as a viable source of income as long as the above requirements were met. 
XXXX XXXX and processing staff communicated that the Child Support income was disallowable due to Quicken Loans/Rocket Mortgage Guidelines regardless of the fact that this is an FHA Insured loan. They stated that as the Lender they have the discretion to allow or disallow the use of an income source as per their internal policies and procedures. 
As a result of the disallowance of this income we had to purchase a home in a less desirable neighborhood and school district for XXXX XXXX children. 
As a result of the disallowance of this income we were told that the DTI ratio and credit score did not allow us to qualify for the lower par market rates. 
We incurred over $ XXXX in origination and discount points in order to close this transaction which represents over 4 % of the total loan amount. 
We believe that we were discriminated against due to this income type not being preferable to the Lender and also the fact that we are an interracial couple to boot. 
We have combined income of over $ XXXX and should have qualified for the higher loan amount thus allowing us to purchase our originally desired home in the better school zone district. 
We are alleging that Fair Lending Guidelines have been violated including overt discrimination and as a result disparaging impact. In addition, we intend to file a complaint with the OCC, FRB and the CFPB for UDAAP violations as well.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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 XXXX 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 2020-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (VA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, VA. During financing I was assigned Consumer Portfolio Services ( CPS ) for my auto loan. XXXX {$33.00}, XXXX with 14.700 % for 72 months. Basically this loan should be paid off and according the CPS payoff for XX/XX/XXXX is {$19000.00}. For the past 2 years my pay off has been between {$18.00}, XXXX to {$21000.00}. 

None of this makes sense and looks like predatory lending. I am attaching all documents. Here is a break down of what I have paid : Interest Paid - {$26.00}, XXXX Principal - {$15.00}, XXXX Fees Assessed - {$1700.00} - these have not been paid Fees Paid - {$650.00} Total I have paid is {$43.00}, XXXX This makes no sense. CPS is not easy to work with, they are nasty and rude. All of their phone calls, there is no working with them.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

The following account is reporting INACCURATELY. 

XXXX XXXXXXXX XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

The following account is reporting INACCURATELY. 

BANK OF AMERICA Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 2020-10-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Ive sent in dispute letters XX/XX/2020 to rectify my accounts with XXXX, XXXX, and Equifax. It has Been over 30days and I havent heard anything from them in regards to my accounts.
Consumer complaint received 2020-10-26
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. (MO)

There are two credit card accounts being reported by Experian that are a result of Identity theft. I have disputed these accounts on several occasions, including submitting a FTC identity theft report. Experian continues to report these accounts in violation of FCRA.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. I have a few accounts with Chase bank. 
XXXX, XXXX, XXXX. 
I added XXXX XXXX as an authorized user on all my accounts. In XX/XX/XXXX XXXX requested to be removed from my account. I then proceeded and called Chase in XX/XX/XXXX to have him removed. Chase confirmed that they will do so. 
In XX/XX/XXXX Mr. XXXX XXXX informed me that the banks are still on his report and causing him damage. He is about to lose his house due to the account being on his report. He can not refinance his mortgage. POSSIBLE DAMAGES in excess of {$50000.00} if my accounts are not removed from his report asap! 
In XX/XX/XXXX I called Chase and they told me I should fax them and they will promptly remove it. I proceeded and did so ( see attached ) As of today, the account is still not removed. 
XXXX is currently suing me. 
Please have them remove him from my accounts asap.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WI)

THE PROBLEM IS WITH A CASH APP, TRANSFER OF FUNDS IN THE AMOUNT OF XXXX, WHICH WAS SENT ON XX/XX/20 THROUGH CASH APP. THESE FUND WERE SENT FROM, MY BANK ACCOUNT, WITH XXXX. THE FUNDS WERE SUPPOSE TO HAVE BEEN SENT TO, XXXX XXXX XXXX BANK ACCOUNT, WITH XXXX XXXX, IN XXXX WISCONSIN. HOWEVER, HER BANK STATED THAT THE FUNDS, NEVER HIT HER ACCOUNT. WE CHECKED WITH BOTH BANKS AND CASH APP. THEY DON'T HAVE ANY KIND OF INFORMATION ON WHERE THE FUNDS WENT. CASH APP. TOLD ME THAT THE FUNDS WOULD BE REFUNDED TO MY CHECKING ACCOUNT, WITHIN SEVEN TO TEN BUSINESS DAYS. HOWEVER, THEY HAVE FAILED TO REFUND ANYTHING TO MY ACCOUNT. THEY HAVE SO FAR TRIED TO DO ANY KIND OF FOLLOW UP WITH ME, CONCERNING THE SITUATION.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Adjustment Company Incorporated (AL)

They never sent me a letter to acknowledge they were taking over a debt, never attempted to contact me to try to settle the debt. No letters. No calls. Nothing. Just hit my credit for 2 months and counting. I disputed my credit report because they are supposed to notify me but no action was taken.
Consumer complaint received 2020-10-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I'm contacting XXXXXXXX XXXX XXXX XXXX as Credit Acceptance is understand Federal Law suit for Illegal Debt Collection practices and lying to the investors to increase their stock with open accounts that are really closed like mine. I'm a victim of predatory leading from Credit Acceptance. This account Should be delete and Credit Acceptance should be investigated by the Ohio Attorney General as well. As there is a current law suit filed in United States District Court XXXX  District of Michigan. Case XXXX XXXX XXXX ( filed XX/XX/2020 )
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Chase unilaterally closed a credit card account I have had with them for 19 years, supposedly for " inactivity. '' They assert they sent me a single letter with a 15-day " use it or lose it '' message which I never received. I was in good standing with them, never a missed or late payment in nearly two decades. I have an overall credit score in the 800 's.

Their actions risked damaging my credit score by reducing my available credit. Doing this with only a single, non-traceable letter is completely unaccepable. I spoke with their customer " service '' representative on XX/XX/20 - approximately 60 days after their unilateral action which I discovered quite by accident. I was told that " there was nothing that could be done. '' This, too, is completely unacceptable. 

Looking at the CFPB website, this kind of high-handed behavior seems to be a common occurence by Chase. It is gravely disappointing and I believe they need to address this kind of abuse of their long-term customers. I would, at a minimum, institute a process of no fewer than three letters to long-term cardholders before closing an account. While there is a cost associated with this, I am confident that it would be swiftly recouped by customers using formerly dormant cards to maintain the cards ' validity, generating fresh profits for Chase. 

I will certainly not be recommending Chase to anyone.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I tried to open an account at XXXX XXXX myself. I'm a non-resident here in the US, but I have two business in the US. A banker at XXXX XXXX made a mistake filling up my information and this got in the Experian system.
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

This account has been disputed and verification has been requested multiple times. Originally, the car was a total loss in an accident. XXXX XXXX XXXX  took 1 year to paid off the balance after the accident after legal action. The loan racked up fees that were waived. My credit report says repossession which is not true. 

The second part of this is that the company has recently lost a class action lawsuit. The lawsuit specifies that loans that accrued ballon interest rates as a direct result of predatory lending practices. Loan forgiveness was offered but the account is still open and reporting inaccuracies each month. This account should be deleted as promised and as mandated in the class action.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

On XX/XX/2020 started a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house.

please see attached all the letters i sent to this company Thank you!
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MN)

My dispute is that I was charged over {$190.00} in fees on XXXX XXXX due to card being inactive I was never told I must keep funds in account how was I suppose to know I was going to be receiving unemployement again so disregarded the debit card and never used it because I have my own bank account so I had no use for and I was unaware of having to close account but even so the fees for inactivity is {$1.00} per month I just don't think I should have got charged this amount just for a XXXX debit card this is totally not right I want my funds back cause this is a rip off I've never heard of paying for a XXXX debit card your never gon na use again until unexpected pandemic
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (VA)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Please investigate and remove the following inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2020-10-26
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (IL)

i paid XXXX off on a XXXX interest credit card in order to use it for a XXXX dollar purchase so id be protected in case of a issue in the delivery or any other issue that came to light, i had to call citi bank and did a 3 way call with my bank to verify the funds were removed from my bank in order to use the card for the purchase i was about to make. the citi person said i could use the card that day and it wouldnt go through, i called them again the next day and they said they cleared it again and it would go through the next day and it didnt, and now its monday the XXXX and it didnt go through again and i called and they said they lowered my credit down to XXXX dollars from XXXX dollars and wont tell me why, I dont have any missed payments from any one and certainly dont have any bad credit at all, i used what was in my business account in order to pay them and then they found a way to get rid of my 0 % interest card, They were liers on the phone and this hurt me finanically because i had to borrow the money some where else with an interest charge now. idont like how they did their business in what they did to my credit, i didnt allow them to review my credit report either,
Consumer complaint received 2020-10-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (PA)

I closed on my house on XXXX XX/XX/2020, loan Depot still calling and telling me that I was missing a pain. I called them to find out what was going on they said the loan was short by XXXX. I called people that were handling my loan and they said it was close that they Loan Depot had received the check. I have talk to supervisors and supervisors and have not helped in finding out the problem. I talked with last week all I kept hearing from them was I can not see the screen I have to have somebody else call you. this was supposed to be taken care of Friday and has not been. 
thank you.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This complaint deals with a Covid-19 forbearance which I was approved for the months XXXX thru XXXX and then to continue payments as of XXXX. 
The problem is the months ( XXXX thru XXXX ) are showing up on my monthly statements as delinquent. 
I called my mortgage company and was informed that I would be getting forms to sign to have the months in questioned rolled to the end of my mortgage term. I was informed that these forms were to be sent out on XXXX. I have not received these forms. 
I stopped in to my mortgage branch after receiving my XXXX statement to make payment which showed I owed for the months XXXX thru XXXX. When I informed them of this issue, I was assured not to worry about the months that are in forbearance and that this would be taken care of on the next months statement as I should be receiving the forms to sign. 
I stopped in to make a payment for my XXXX statement and I informed them that I still have not received the forms to sign, this statement is showing a delinquency for the months ( XXXX thru XXXX ) which are to be in forbearance. I stopped in and talked to them again about this issue not being resolved. I was then informed that it would be taken care of on my next statement. 
Monthly statement XXXX is still showing delinquency, I then again went to my mortgage branch to inform them that the issue has not been resolved, again I was told it would be taken care on the next months statement. 
Monthly statement XXXX still showing delinquency and that my last payment was unapplied to my mortgage. I again went to my mortgage branch informing them of this. I was talking to a customer service rep and was given a tracking number ( XXXX ) for the forms that I need to sign to have the months in questioned rolled to the end of my mortgage term but when I looked up the tracking number it states that it's pending which means that my mortgage company has not sent the forms out for me to sign. 
Monthly statement XXXX still showing delinquency and that my last two payments are unapplied.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

Paypal Seller : XXXX XXXX XXXX Transaction # XXXX {$100.00} # XXXX {$100.00} Seller info : email and Cellphone # XXXX XXXX I contacted the seller and paypal and i open a case but paypal didnt approved my issue saying it wasnt an authorized deal or transaction. Seller promise me to send right away the item but never do it and never replied anymore. I just dont want this seller making scam or fraud to any fellow Americans Citizen just trying to purchased good from a scam seller. Hoping your good company will look into this even if its not a big thing deal issue. Thank you and XXXXbless you