davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (SC)

I was informed months before getting a mortgage that I would need to take care of some issues on my credit report to bring my scores up so that I can qualify for a mortgage. That was in XX/XX/XXXX. I did as I was asked. I received a call from my mortgage broker stating that my scores went up and I was ready to look for homes and get my mortgage. XXXX XXXX my mortgage broker got a realtor for me, and I found a home and was told that the underwriter would approve a loan faster if I get a single-family home instead of a manufactured home which I wanted. I did as I was advised by my realtor and mortgage broker. I found a home and the home appraised higher than was thought. The underwriters and mortgage broker had me give many documents and I did as I was asked. I was also asked to come up with a certain amount of money for closing costs. I did that. I was even asked if I had a 401k and I stated I did. I was informed in order for us to close on the loan I would need a certain amount of money and the seller will be paying some closing costs. I pulled the money from my 401k. We had 3 closing dates and each day of closing there was another excuse, but everything that was asked of me I provided. At the last potential closing date because we had asked for an extension from the seller and was granted the extension, I was told the loan did not go through because of student loans which happened to be untrue. When I called the mortgage broker on the fact that it was not true and sent the documentation. I was then told it was due to late payments on a paid off vehicle. I explained I was late in XXXX and it was paid off but why are they mentioning that now when the loan had already been approved at this time. I did not take out loans or made any big purchases which I was told that would be the only things to not let the loan go through at this time. I had already given my complex my move out date, cancelled my cruise because we were closing too close to my vacation, so I lost my money for my cruise because we did not close on time. And needless to say, after all of this I was told no home for me the loan is not going through. Goodbye. I sent messages regarding the information was not correct and that I can try to get my daughter to help me which she refused to put her name on the loan. I was then met with no more responses from the mortgage company or broker. I was truly mistreated, misrepresented, lied to and I feel maybe discriminated against. I lost money, my new home, and for the mortgage company using so many banks or underwriters, my score went down drastically. I have the proof of how many times they pulled my credit which were hard pulls, along with emails, mortgage documents, homeowners ' insurance, title, inspections, appraisals, and many more documents. I need help please.
Consumer complaint received 2023-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 All Inquires need to be removed and this has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

I was given a line of credit with " Room to Go '' through Synchrony Bank and I was told there will be no interest accumulated until after one year. They lied and now they are charging me unreasonable late fees and I can't get anyone on the phone to discuss my concern. Furthermore I can't make sense out of my statement online. I notice they recently been sued for their illegal action. Can you help... thank you.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This constitutes a breach of 15 US Code 1681s-2, which outlines the obligations of entities supplying information to consumer reporting agencies. They have neglected to furnish me with written notice regarding the account before its inclusion in a report. Consequently, I insist that the account be expunged from my credit report due to my disagreement with the alleged debt.

Furthermore, they have transgressed my rights as delineated in 15 U.S. Code 1681b ( 2 ), which details permissible purposes for consumer reports. By reporting the account without my consent and misusing my social security information, they have run afoul of this code. Hence, as a victim of identity theft, the imperative of 15 US Code 1681c-2 is to block such data unless I provide explicit written authorization.

Per 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my right to privacy. Regrettably, your organization has breached this consumer privacy right by publicly divulging this information without my authorization.

I urgently request the immediate removal of this account from my credit report.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo ( WF ) /Americas Servicing Company ( Loan # XXXX ) - Delay tactics in attempting to get to a loan modification ; The WF specialist assigned to my file does not ever pick up phone or respond to voicemails ; Many other WF specialists assigned and reassigned in the prior years, I was always asked for new information once a new specialist is assigned ( another delay ). Only XXXX opportunity for a loan modification granted by WF two years ago and rejected for reasons set out by the " investor '' WF would not communicate the reasons for rejection. I have been employed and earning more than enough to pay off the loan via a modification. Faxes I sent are not on file, notes from my conversations with representatives and with the Office of the President are not on file, and they are asking for documents I already sent on numerous occasions ( i.e. hardship letter ) I 'm skeptical about WF record retention systems for email communication and faxes they received from me and others. When it was time to resolve WF 's request for a subordination from the XXXX lender on the loan ( yet another delay tactic ), WF 's title department would not communicate with a second lien holder ( XXXX XXXX ) because they just will not do that. I waited for months! and even after I submitted a written authorization to do so on my behalf, WF did nothing to assist with my attempts to modify the loan. I 'm exhausted from years of frustration in struggling to just get an opportunity to modify my mortgage and an opportunity to pay off my loan. WF representatives say they are there to " help me '' but they are just a facade and keep delaying the process and clearly their management hopes time runs out. WF asks for more " updated '' information every month. They are clearly interested in keeping my loan in foreclosure status and they are hoping that I just go away and stop my communication with them so they can foreclose on the home as allowed under the rules ( unacceptable ). I missed my mortgage payments 5 years ago and I 'm still trying to get an opportunity to get a modification. I 'm exhausted and emotionally drained from this struggle to get an opportunity to pay off my loan and keep my home. I have nowhere else to turn for help, hopefully CFPB can help. 

Thank you.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Recipient : I am writing to ask for assistance in a matter in which XXXX ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( XXXX ) and XXXX to Validate the debt by SS #, XXXX, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct. 
I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( XXXX ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and XXXX remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I have reported to Wells Fargo that 5 unauthorized charges were taken out from my account without authorization. They keep saying that unfortunately they will not refund me the 2 out of the 5 transactions that were taking out. I made the claim online and they did not return the full amount. I have decided to close my account because of numerous fraudulent complaints that have been taken from my account and all Wells Fargo has to say is that unfortunately they can't return my money.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

I moved into an apartment complex in XXXX NC, called XXXX XXXX in XXXX, that was managed by XXXX XXXX XXXX, They also owned XXXX XXXX XXXX ( located in XXXX NC ) to which I moved in XXXX. Because they were managed by the same management company, I was able to transfer my lease and deposit to XXXX XXXX XXXX. I lived in XXXX XXXX from XXXX until XX/XX/XXXX. In early XXXX, XXXX XXXX XXXX sold the apartment complex to XXXX XXXX. When I moved out in XXXX, I had a walk through scheduled with XXXX XXXX but the moving company came earlier than expected and I did not do the final walk through, even though I went to the office and requested an earlier walk through, they had no one to do it at that time. XXXX XXXX had my email address, phone number, and forwarding address, in case I owed any charges after moving out. I was told they would send me an invoice for any charges if there were any. From XX/XX/XXXX until XX/XX/XXXX, I checked the resident portal to see if there were any charges, I did not see any, and I also did not receive any mail correspondence at my new address. In XX/XX/XXXX, I was notified by email that my credit report had changed because of something derogatory hitting my credit. When I looked, it was a credit collection agency. I telephoned Genesis in XXXX, and they sent me an invoice with just the amount of {$230.00} on it from XXXX XXXX, for some cleaning they had to do in the apartment. I knew that wasn't correct because it didn't have my {$250.00} deposit listed on the invoice anywhere. I disputed it through XXXX since that was the credit bureau it was listed on, and it was taken off my credit report. On Thursday, XX/XX/XXXX, I received a text from Genesis the same collection agency that put the derogatory mark on my XXXX credit report. I called Genesis on Friday, XX/XX/XXXX to request a validation of debt ( didn't know that's what I did the first time ) and they refused to send me any thing. They said since they sent me the invoice in XXXX, they would not send another one. I reached out to XXXX XXXX XXXX  and they still had my paid invoice with my {$250.00} deposit where I moved into XXXX XXXX and then transferred to XXXX XXXX, and sent it to me today. I want Genesis to know that they have an incorrect invoice amount because my {$250.00} deposit was not added to the invoice, which would mean that I owe nothing for moving out of XXXX XXXX. In reality they XXXX XXXX owes me {$12.00} back from my deposit.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX I sold my XXXX XXXX XXXX to XXXX for {$26000.00} which I received a printed bank draft for that was printing using the secure bank print. I deposited the bank draft that night and it said my funds would be available in the morning. I called the bank because the funds were not available and they told me it was marked as an altered check and they closed my checking account. I have been in contact with the business manager from XXXX, my local branch ( which apparently couldnt do anything they just called someone while I was in the office and had them talk to me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has released the funds and verified it but my bank still has my account closed and funds locked. The business manager from XXXX recommended I add him to the call so he can verify that the funds are legit, but bank of america declined to talk to him. They asked me for his contact info in which I called him today and he said they never reached out to him. I am out XXXX XXXXXXXX and now have no vehicle to work with so I am losing money everyday this goes on as I have nothing to pull XXXX XXXX XXXX with and can not work now. 
The bank this is happening with is bank of america.
Consumer complaint received 2023-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One During Covid the conpany decided to close my credit card accounts due to stated not being payed. I reached out to the company about the covid relief payment plan system and was denied access to speak to a representative. During this time minimal postal services individuals was no longer working due to them being cut from their jobs during CoVID https : XXXX As mentioned I tried to communicate with them and they told me go into the banks to verify my information using my ID and during that time I was not able to do so. 

https : //www.capitalone.com/updates/coronavirus/ https : XXXX But for myself they did not I still am being told that I am owed the debt which is understandable but there should have been some type of options avaliable to me as they were for other customers. I also reported this information to XXXX for their review and still did not follow up with removing such pretentious items from my credit. 

The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act As stated by XXXX in black and white print : Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Student Loan Information on Accounts : Closed accounts that are still reported as open Inaccurate payment reporting Incorrect status reported Loans listed as delinquent that shouldnt be Loans listed as in default that shouldnt be Individual loans displayed multiple times Loans listed under your name that you didnt take out
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WY)

Synchrony Bank lowered my {$3800.00} limit to {$380.00} without any reason and without my knowledge. I had a {$3000.00} balance paid {$2900.00} on time and when I chafe something else I had a balance of {$360.00} I get a notification from the XXXX saying my credit utilization on one of my cards is extremely high. This is how I found out my limit was decreased. Then I looked and they done the same thing with my JCPenney account. Decreased that limit from {$1200.00} to {$170.00}. I never have been late I always pay what I use. Its wrong to do your cardholders like that. That makes the consumer credit score take a major hit. When I called the lady said they go and review peoples credit. So are they doing unauthorized credit checks? How do they know what other credit I have? If they had a problem with the other credit I have they wouldnt have issued me credit when they initially pulled my credit. So they must be doing unauthorized credit checks.
Consumer complaint received 2023-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (CT)

I called HomeLoan to check on my mortgage. It says I owe for XXXX however I thought I made XXXX payment. I asked if they could send me something showing how these payments were done. Instead the rep says I could download it. Its still unclear. Instead you get snide remarks instead of assistance. I was told that if the payments werent made theyll start the foreclosure process. All I asked was if they can look into the payments because I do see reversals and I know weve made a few payments in XXXX. One was reversed due to a bank error which we made them aware of. I want to be sure the payments were applied correctly so that I can make the proper steps. Thats my whole purpose of calling.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Also, there are credit inquiries on my report that I dont recognize.

These inaccuracies are stopping me from getting a house and a car for my family.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX- Account Number # XXXX  XXXX XXXX : Account info- Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.