davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I filed a mortgage application with Chase on XX/XX/10. As far as I know I did not consent to a credit pull. 

A mortgage rep ( XXXX XXXX ) tried to call me twice after that. I was not able to take the call, though I attempted to get back in touch with them. The rep did not leave a number. 

I heard from the rep again in XXXX. We spoke on the phone briefly about prequalification ( not preauthorization ). No mention of a credit check was made. 

I got a notification later that week that there was a hard pull against my credit. I wrote an email to XXXX and his manager XXXX XXXX. XXXX called me and gave me information to report an escalation. In the meantime I was connected through my work to a different mortgage rep at Chase, who filed the escalation on my behalf. 

When I got in touch with the escalation department ( my case was handled by XXXX XXXX -- spelling may be wrong ) they told me that the rep ( XXXX ) tried to call me twice in XXXX and never got ahold of me. I told them that I had attempted to get in touch with him, and had spoken with him in XXXX, and he never verbally asked for consent to pull my credit. This information was not in the escalation report but that did not seem to matter to the escalation department. I spoke with XXXX XXXX ( who was friendly ), never XXXX. 

XXXX was unable to present any proof of my consent, other than stating that consent was received electronically. He could not provide the contents of the consent, but said he would expect the online application to be fully legally compliant. He also said that Chase 's policy was not to change or amend credit information. 

I am now in a position where other places I want to apply for a mortgage will have a lower credit score to work with, because Chase 's pull lowered my score. I was not able to line up lenders to take advantage of the window that Chase 's pull created. In XXXX I was prepared to do that, but by the time they actually pulled I was not in a position to get other pulls from other lenders. This has put me in a position where other lenders may not be able to compete with Chase, because of the damage to my credit report. 

And I still don't have any recollection of consenting to any kind of credit pull, nor was Chase able to provide any information beyond stating that I consented electronically. No document I signed, no terms I agreed to, no verbal consent, etc.
Consumer complaint received 2020-09-23
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. (TX)

I am a victim of identity theft. I have obtained a copy of my credit report and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, I sent to all 3 bureaus which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I request that an extended fraud alert is placed on my credit profile. I requested a block all of the fraudulent information listed below from my credit profile, listed on my ftc report in pursuant to section 605 ( b ) of the Fair Credit Reporting Act.

There has Not been no response from all 3 Bureau 's Is been 60 days from the time I notified all XXXX Bureaus on the following accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Hard inquiry List XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc. (NY)

Porsche Financial on XX/XX/XXXX inaccurately reported that I was 30 days late. 
I made contact with customer care and established that according to their mobile app which I always use this was not so As per the app on XX/XX/XXXX my next payment of {$2300.00} was due on XX/XX/XXXX. This balance included a 1 day past due balance of {$1000.00} which was scheduled to be paid on XX/XX/XXXX. I paid {$1100.00} on XX/XX/XXXX. The remaining {$1300.00} automatically generated bill for the month was according to the app due on XX/XX/XXXX. 

I spoke to customer care and on a recorded line was also told that there were issues with the system for the past few months and similar complaints have been had. I provided screen shots ; all date and time stamped to show the inaccuracy of their reporting. This was reviewed by a supervisor who saw it fit to have the documentation sent to the credit bureau department to have the reporting corrected. 

To further add insult to injury ; After this mistake had caused my credit to plummet by 90 points, Porsche financial Services after receiving {$92.00} in excess of the due amount of {$1000.00} further reported inaccurately that I had owed a past due balance of {$57.00}. Which additionally dropped my credit by 60 points. 

To date these corrections have not been made even in light of evidence provided.. As a result my pristine credit has plummeted by 150 points not because of my negligence but due to a fundamental flaw in the system of Porsche financial services.. I have had a clean record with Porsche, have made it my duty to pay on time and on many occasions have paid more than the required amount ; Even in light of Covid-19. I  just need them to do the right thing. As a consumer who is striving to maintain my reputation with this institution I am not having a sense of an enhanced experience. It is too early in our relationship to experience such negativity ; Covid-19 has brought enough our way.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is currently violating FCRA 611 USC 15 1681i ( 5 ) A { Treatment of Inaccurate or Unverifiable Information } FCRA 611. ( See enclosed copy of actual FCRA violation ) and 1681i ( 8 ) Expedited dispute resolution ( See enclosed actual copy of FCRA Violation ). On viewing my latest TransUnion credit report and for the 3rd time TransUnion has failed to include information that I know is important to providing a complete accuracy of my TransUnion Consumer Credit Report ... TransUnion Deleted my XXXX XXXX XXXX XXXX account # XXXX ..without my authorization. TransUnion inaccurate reported this on XX/XX/2021, XX/XX/2021 File # XXXX, and on XX/XX/2021 file # XXXX. ( See enclosed copy of reports ) XXXX XXXX XXXX XXXX XXXX was deleted for retaliation for i requested my social security number be corrected on my file. I could not access my XXXX XXXX XXXX XXXX XXXX when TransUnion. Changed my Social Security Number on my TransUnion credit file. This has cause me to lose a valuable business contract and damage my chances to gain the credit needed for my business. Note that both XXXX and XXXX are reporting this account, ( See enclosed copy of reports ). According to 616 { 15 USC! 681n ( 3 ) b Civil liability for willful non-compliance
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX  To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : -XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX NY, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX  XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX -XXXX- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

In XX/XX/2020 I called XXXX and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my XXXX credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.
Consumer complaint received 2020-09-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

I received a copy of my credit report while applying for a home and found that National Credit Adjusters had thrown a debt on my credit profile without any notice in the mail or phone call. This is the ONLY debt on my credit file and it is stopping me from obtaining a stable place to stay for my family. I disputed the debt through the credit bureaus and asked the debt to be validated by sending me a copy of an ORIGINAL CONTRACT with ORIGINAL SIGNATURE, PAYMENT HISTORY etc. I received a response rather quickly saying Debt Verified I feel like the issue was not even looked into on top of that I have yet to receive any validation. I have NEVER applied for a loan with National Credit Adjusters or anyone else please help me resolve this issue.
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (MD)

I purchased on XX/XX/20 and returned on XX/XX/20. They dated my purchase papers for XX/XX/20, I picked up the check from my credit union on XX/XX/20 but ended up using their bank, but seen it was never nowhere for me to date the contract, I didnt really pay attention to. As stated, I returned the car the very next day and realized they ran my credit report XX/XX/20. They didn't have permission to do so for I came with a check. They dated my contract for XX/XX/20, three-das prior to me receiving the vehicle and then pushed the finance through XXXX XXXX on XX/XX/20 XXXX days after the vehicle was returned. 
My credit report reflects that my credit was pulled on XX/XX/20 XXXX now sending me invoices stating I have a payment due and as of today, I still don't have the vehicle in my possession. The car is still at XXXX XXXX in XXXX MD.
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Network Inc. (VA)

In XX/XX/XXXX I did an IRRL with American Financial Network Inc- XXXX . Since Covid19, I was on a forbearance for 4 months. Before being removed I applied for a loan modification. I've talked to someone in the Loss Mitigation Program. I received a letter stating that I was in the Loss Mitigation Program and could not have two active homeowner program at a time. This is incorrect. I have only filled out one application to have my mortgage payments modified and added to the end of the loan. I have called several times, no one can give me a correct answer I don't know the status of the only loss mitigation application that I applied for, please can someone assist me. This has been the worst mortgage experience. I've tried calling and emailing, and mailing no one seems to know what they are supposed to do. 
On XX/XX/XXXX, I was told they would do a modification by increasing the loan from 3.125 to 3.3 %. I told them I would not accept the new terms, that was not what I applied for, I was applying to lower my payments with a lower interest rate. They have yet to fix or communicate with an answer.
Consumer complaint received 2020-09-01
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. (NC)

I have filed numerous complaints against Equifax for refusing to remove a fraud alert from my credit reports, I have sent in all documents numerous of times and still they refuse to remove this fraud alert. After receiving a condition for mortgage approval I was notified that the alert showing extended fraud alert was placed on my credit file still by the lender, I called to see why? Equifax repeatedly assured me that it is no such alert on my credit report, days later I received a credit report which shows a credit file for XX/XX/2020. Equifax is still reporting this on my credit report as I have uploaded a copy for proof.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Hi, I had applied for mortgage refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX on XX/XX/XXXX, based on discussion and loan estimates from XXXX XXXX XXXX Loan Originator NMLS ID # XXXX. 

I was asked to pay an Application Fee of {$500.00}, which we paid on XX/XX/XXXX, for them to proceed to lock our mortgage rates. I was told this application fee will be non-refundable and it was mainly to make sure I'm committed to proceed with Amerisave, which we were and it is evident in the timely manner in which we submitted all the documents they needed to start processing of our loan application. Even though sometimes, Amerisave choose not to answer some of our questions until we send multiple reminders.

Loan officer, XXXX, had clearly communicated that the initial underwriting process will take a week or two, and they will be able to lock the rate which will be the same or better than what we had signed-up for in the loan application.

Never did we suspect that {$500.00} application fee might have been a " hook '' to get us stuck with Amerisave, which seems familiar to their trade practices in the past when they were fined for " Bait and Switch '' policy, please refer to this link on CFPB website : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ Now, more than a month later, we see no progress in our loan processing or commitment to lock our rates. And when I reached out to the loan offiicer, XXXX, he was dismissive on any commitments to process the initial underwriting in 1 or 2 weeks and locking the rates for the loan.

When we asked them to stop processing our loan, which I don't have any evidence to what extent they did, and requested refund of the {$500.00} application fee ; he flatly refused to repay the {$500.00} fee and he wasn't bothered even when I said I will take this matter with CFPB or other consumer agencies. 

It is very evident that they tactfully duped us into believing that the rates they promised at the time of applying the loan will be locked, even though they made us sign paperwork that said the rates were floating rates, and the application fee of {$500.00} was meant to keep us committed the loan even though there has been no reciprocating commitment on their side!

I'm assuming we may not be the only ones in this situation, and regardless we'd like to take this matter up with CFPB to help us get back the {$500.00} application fee.

Please let me know if you need any further information.
Consumer complaint received 2020-09-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wellsfargo is refuse too close out on my trust account, by the deceased old owner the XXXX XXXX XXXX aka XXXX XXXX .ss # XXXX XXXX XXXX. Old address on file is XXXX XXXX XXXX XXXX ga XXXX ... .and also XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX XXXX XXXX ga XXXX. All this address are business address own and co own by XXXX, deceased, and am the beneficiary too these addresses. And the management of these address, are abuse me .refuse too talk too me .dont even no who i am. .i talk too a lawyer. The lawyer said he can see the name of the ttust attorney and the trust trustee. But me XXXX XXXX, dont no who these people are .please deal with this information right. I already served yall 80 days ago. For cpa and a copy of the deceased person trust or last will testament, or operational agreement. That show me as beneficiary. Why are yall refuse too give me what i am ask for.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

To Whom It May Concern, This letter is a letter of complaint against XXXX and my credit card company, VISA. 
I have contested the following charges against appearing on my credit card. 
I did not authorize nor do I recognize the charges. 
These charges are being billed to me wrongfully. 

{$51.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$39.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$100.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 I initially put in a call to TD Bank VISA card services. 
They informed me to contact XXXX to help resolve. 
I did so on XX/XX/2020 and was given a case # XXXX XXXX XXXX XXXX by XXXX. They claimed that they were unable to assist and directed me to the game app developers. The game app developers in turn directed me back to XXXX saying that XXXX had to be the one to assist. 
On XX/XX/2020, the case was reopened by XXXX. A new case # was assigned, # XXXX XXXX XXXX XXXX. Again, they returned with an answer that they were unable to do anything. 
I then, on XX/XX/2020, opened a dispute with TD Bank VISA card services, VISA. Case # XXXX XXXX XXXX XXXX was assigned. 
I was informed on XX/XX/2020 by VISA, TD Card Services, that information was requested by the merchant to substantiate these charges/ They informed me that the documents provided by the merchant supports the merchants position that the services were rendered. They did not provide me with any of that information. 
Again, I deny these charges and wish to be shown proof of these which they have failed to do so. 
I was directed to your offices to help as I am at my wits end. Please help. 
I have copies of all dated documents for your reference.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (TN)

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX 's XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency.

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau.

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "