davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TRI POINTE HOMES INC (TX)

Hello I have been having trouble with lender. Here is the story ; " My rental contract ended on XX/XX/year>, and we planned everything based on the original closing date of XX/XX/XXXX. We provided all the necessary documents on time and paid the closing costs. It appears that the delay is due to the lender 's failure to properly review and submit the documentation, which has caused the current situation. We did not receive any notification about incorrect documentation until just a couple of days before the closing date. We gave him time until XX/XX/XXXX, but he has not been able to provide any information about what will happen next. 
Moreover, my wife and I used our PTO for moving out, and we need to move as we return to work on Thursday. I asked him if the closing is impossible, we request that you provide us with storage, a XXXXXXXX with helpers, and hotel accommodations until the closing date. However, he has not responded. 
Customer : XXXX XXXX Company lender : XXXX XXXXXXXX XXXX XXXXXXXX Loan Officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (MA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant XXXX to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (UT)

I came in wondering about how financing worked when buying an item at Best Buy. When I asked about it, I was aware that I would need to apply and get approved, but the worker at Best Buy told me we could check what my limit would be without actually going through with the process. At the end of it, he told me that the card would arrive in a couple weeks. I told him I wasnt aware we were going through with actually getting the card and he said sorry I must have misunderstood. He was aware I just wanted to check and not get the credit card its self. I also was not made aware of the interest of the card or handed any material with it
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (AL)

XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX XXXX ID Type : Drivers License ID XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems report. I have never opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize the following accounts in question. I am a victim of identity theft and I dont recognize these accounts on my report. I am requesting the following information be deleted from my Early Warning Consumer report immediately. I have attached a copy of the report to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

I went to XXXX  at XXXX XXXX XXXX in XXXX MA XXXX in 2017. I have tried to pay these payments ever since and they are still showing that i still owe to the XXXX. of XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION (ID)

A supposed debt collector called XXXX and has been threatening me to make payments and if I didn't the other measures will be taken. Threatening to call my job and called my husband. This started about 3 months ago and I recently had to switch bank accounts when they did not get their payment they started calling non stop demanding I pay. I have been paying alot of money.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year> I spoke with someone on XXXX XXXX about purchasing a new camera for the price of {$670.00}. I asked for video of the camera working which they sent me, as well as a photo of the camera with the date written on a piece of paper sitting next to it which they also sent. We discussed forms of payment and settled on XXXX, since at this point, I was very certain that this person had the camera. They sent me photos of them packing up the box, and a photo of the outside of the post office which states no cell phones are allowed inside. They assured me that the package had been shipped and sent me a screenshot of the tracking screen with the last XXXX digits crossed out. They explained to me, that their mom doesnt want them to share the full tracking number until payment has been sent. I then sent {$670.00} through XXXX with my Wells Fargo checking account. 

I reached out to Wells Fargo after realizing I had been scammed, and they put in a fraud form for me but I havent heard back at all and its been several days. The XXXX I sent money to was XXXX XXXX but theyve also have a XXXX by the name of XXXX XXXX. I went back on XXXX XXXX and their XXXX account has since been deleted. I found another listing similar to the one I fell victim to, and low and behold, someone wrote a review saying it was a scam and listing out exactly the same thing that happened to me.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

I made XXXX payments on XX/XX/XXXX and XXXX on XX/XX/XXXX to pay my balance due on XX/XX/XXXX in full. When I called the number on my card on XX/XX/XXXX to verify credit limit I was given XXXX different amounts by the first agent i spoke to and a third amount from the supervisor I spoke to.both of which differed from the information on the online access. The supervisor told me that XXXX of the XXXX amounts I paid would not be credited to my account until XX/XX/XXXX ... a full XXXX  days and XXXX  days after funds were taken from my checking account. When I asked how to avoid this inconvenience she suggested I pay the bill in cash in person. The balance on this card is typically XXXX to XXXX per month. Suggesting XXXX XXXX XXXX miles to the nearest XXXX club and pay in cash .... seems a little inconvenient to me. The website states payments will appear in XXXX to XXXX hours Not XXXX to XXXX  days.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NV)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I DO NOT HAVE A CONTRACT WITH XXXX  XXXX  THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT. 

I requested that all negative items to be remove from my XXXX, XXXX XXXX XXXX XXXX XXXX credit report. I in fact asked the companies to provide me with all documentation that they have which proves that I owe any debts for the account that is reporting as a collection account. Any documentation requesting for my credit report to be pulled resulting in a hard inquiry. This information is damaging my credit reputation and I am unable to obtain financing for my household. 
I do not agree with the information that these companies are reporting on my credit and I ask for it to be to removed it permanently.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MD)

In accordance with the fair credit Reporting act AMERICAN EXPRESS Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

2 days ago Truist decided to without warning place a XXXX on my account locking me out of my funds without warning because of suspicious activity relative to purchasing crypto, The service in question " XXXX  '' is compliant with XXXXXXXX XXXX XXXX XXXX. I now have no access to my funds, I am XXXX XXXX and have a family of XXXX people and Truist decided to cut us off without warning to investigate XXXX. I went to the branch with my ID as directed by Truist on the phone and they could not help me. After researching online I see this is a regular practice. I was not given any updates and the representative from the offshore call center could give me no timelines or information.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (AZ)

I was approached about XXXX XXXX ago about this debt and I was afraid because they threatened legal action if I didnt pay them. I paiid them about XXXX a monthand then I told them I would call you all and I COULD not pay them that kind of money so I have been paying them XXXX per month for about 9 months now and I really dont have the finances to pay them anything. WhenI ask for a balance, they never fully give me how much I paid and what is left. Thats why I decided to finally contact you. I have never had a formal address from them and only know who they are from my bank statement. I want ot know if they are legit
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: REGIONS FINANCIAL CORPORATION (TX)

I lost my job in XXXX last year and entered a mortgage forbearance plan with Regions. While unemployed, I worked as a XXXX  through XXXX and privately. In XXXX, I contacted the mortgage company to avoid foreclosure. They advised me to document my chauffeuring income for a potential modification. 

In XXXX, I submitted bank statements and profit-loss reports showing an average monthly income of {$7500.00} gross/ {$6000.00} net from XXXX to XXXX. During this process, I also secured a job at XXXX  XXXX XXXX, earning {$12000.00} gross/ {$9500.00} net monthly. 

Despite informing the company of my improved financial situation, my loan modification was denied. They claimed I might be unwilling to pay a higher interest rate compared to my original 2014 loan. My attempts to negotiate were unsuccessful, and they refused to consider either of my income streams, even though I can now afford the mortgage payments.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
" "
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (UT)

In XX/XX/XXXX, a charge of {$2000.00} from XXXX XXXX XXXX appeared on my Apple Card, which is managed by Goldman Sachs Bank USA. I did not authorize this charge, nor did I receive any services or products from XXXX XXXX XXXX. I have been disputing this charge with Goldman Sachs since XX/XX/XXXX. Despite providing evidence that no services were rendered, Goldman Sachs has repeatedly denied my dispute without providing sufficient justification or proof that I agreed to this transaction. This issue has caused significant frustration and inconvenience over an extended period, as I have spent considerable time and effort trying to resolve this unauthorized charge.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners (TN)

I received communication from a debt collection agency through text messages by the name of PENDRICK CAPITAL PARTNERS. This agency has already assumed an alleged debt belongs to me by providing a link attempting to persuade me to click the link. It seems deceptive and I'm speculating that it may be an attempt to get my private information so they can keep it for their records. I have not received enough information regarding the alleged debt the mentioned nor a contract with my signature. Tennessee state law requires debt collectors to have a license before they can collect from any consumer in Tennessee. I researched their company, and they do not have a Tennessee license. This is a violation, an invasion of privacy, and harassment.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO. (GA)

Contacted the Chase XXXX Member line concerning SCRA benefits as an Ohio resident for two closed auto loans on XXXX XX/XX/2019. Both loans had an interest percentage above 6 % and wanted them to refund interest charged over 6 %. Personnel said they would review the auto loans and we should expect to receive a letter from them in 60 days or less. We were also told that they had received all required documentation form us and did not need anything further. I have yet to receive any a letter or any communication on the status of the review.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Went to XXXX  and came home XX/XX/24. Well after getting settled and locating all my personal items.. I go look in my account to see if I ever got my taxes. See XXXX balance, move on to the next task. I call the irs to see whats going on with my taxes and they say theyve been deposited back in XXXX. I look back in my account and see the deposit, followed by an instant transfer to a bank account that doesnt belong to me. I call for days trying to report this. Getting a system down message in chatting with the agents multiple times a day they wont take a report over chat. Wont give me another phone number. Nothing. Something like 10 days later, XX/XX/XXXX, I finally get to talk to a rep and file a dispute. She sends me an email so I can send police/identity theft report within 72 hrs. Less than 12 hrs later I get an email that my account has been closed. My balance would be transferred to the instant transfer account ( which may possibly be the one that was used fraudulently ) or mailed by check ( to my address from last year they wont let me change ). A few hours after that, I get a email that my dispute was denied. Before even giving me the opportunity to send in the police/ID theft report!!!! I have been calling and emailing to no avail. Everyone I speak to tells me I need to speak to an escalation member, but theyre never available. So they tell me email the support email. Well, support responds when they feel like it and I have been unsuccessful in them addressing or answering any specific questions/concerns/issues. Its almost like a generic response to anyone. This has been over a month now that Ive been going through this. This is not chump change. This is {$4000.00} were talking. I dont understand what the issue is, I know for a fact the account this money was pulled into does not belong to ME. It should be that simple. I dont know how this even happened as I thought they verified the linked accounts
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (IN)

I transfered my monthly XXXX XXXX  from my bank account to my cash app account of XXXX on XX/XX/year>. Cashapp immediately froze my account. I requested that they unfreeze my account on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> because their wasn't a reason for the freeze and I needed that XXXX money to pay my bills. They told me they can't tell me anything, that a specialty team will reach out to me via email. I have not heard from a speciality team on how to resolve this, they will not let me access my legal funds. I've verified my identity to the account.