davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (ID)

I would like to report Freedom Mortgage Corp. for attempting to deny a veteran their assumption benefit through intentional repeated delays. 

On XXXX XX/XX/XXXX I reached out to Freedom Mortgage Corp. via phone to start the loan assumption process. They sent me a form and gave me instructions to fill it out, which I did that same day and submitted to them. I was told it may take up to 30 days for that to be processed and they would reach out to me with the next steps. 

On XXXX XXXX XXXXXX/XX/XXXX I followed up via phone and was informed that there was an issue with the paperwork and nothing had been processed since XXXX XXXX. Neither myself nor the seller were notified of the paperwork issue. That issue was remedied the same day. 

On XXXX XX/XX/XXXX I followed up via phone to verify the process was moving forward, and was told to expect a follow up phone call. 

On XXXX XX/XX/XXXX, I had not received a follow-up call, so I called Freedom Mortgage and was scheduled for a phone call for more info on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I received a call from Freedom Mortgage to give initial financial information about myself in regards to purchasing the home and was told to expect a hard copy application packet in the mail. 

On XXXX XX/XX/XXXX, I had still not received anything via mail from Freedom Mortgage, so I followed up via phone call to check on the status of said packet. 

On XXXX XX/XX/XXXX, I finally received an application packet via mail from Freedom Mortgage after 58 days of initial request. 

On XXXX XX/XX/XXXX, I submitted the completed application packet along with requesting supporting documentation to Freedom Mortgage via XXXX overnight. 

On XXXX XX/XX/XXXX, I was assigned a loan processor, XXXX, who said " over the next few business days, I'll be going through your application that you submitted over to us and looking to see if we have a full package that we can submit over to underwriting for their review, or if we're missing documentation I'll definitely let you know what we need to get that completed. '' and " look for my email in the next few business days letting you know if we either have a full package or if we're missing something, what we do need. '' On XXXX XX/XX/XXXX, I had not received a phone call or email from XXXX, and reached out via phone to his direct line and left a voicemail requesting a return call. 

On XXXX XX/XX/XXXX, I still had not received any contact from XXXX, I called his direct line again, with no response. I then called the general customer service number and was assigned a new processor. 

While this process has not yet been completed, based on numerous other complaints for similar issues filed to the CFPB against Freedom Mortgage Corporation, they are intentionally delaying the assumption process for their own financial benefit to the detriment of veterans who have earned this benefit through great amounts of personal sacrifice.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I initiated opening an account with XXXX XXXX XXXXXXXX XXXX and requested funds be transferred from my online JP Morgan Chase checking account. They debited my account by amounts less than a dollar and transferred them to XXXX and required me to indicate how much was deposited to verify my accounts which I did. 

When I had the accounts set up, I initiated transfers about XX/XX/29 of {$1000.00} from my Chase checking account and {$5000.00} from my Chase savings account to XXXX savings which they rejected and did not inform me of their actions. When I discovered what they had done, I contacted Chase to find out that they could not verify that I owned the XXXX accounts and removed the XXXX accounts from my online Chase website. They indicated that I must wire the amounts. When I attempted to wire the amounts they again stopped the wires because they said they suspected fraud. After talking with their " Fraud '' person, I attempted the wire transfer again ( after setting up the XXXX accounts on Chase again ) and the wire transfers went through on XXXX and XXXX. 

On XXXX, I initiated another transfer from my Chase checking account to my XXXX XXXX account which was rejected. They called me to verify that I was who I was, then rejected the transfer ( and again deleted the account on their website to which I was transferring money ) and told me I would need to wire the money. When I tried to wire the money a few minutes later, they froze my online account and I could no longer even see my online account. They required me to call a number to get it unfrozen. XXXX at this number was able to unfreeze my account. She told me to try to wire the money again but, if it did not work, to try another way to move the money. 

It seems that Chase does not want to have people remove money from their accounts and is going to great lengths to make it difficult to do so. I am moving my money because Chase only offers .1 % interest on savings accounts and XXXX offers a rate 46 times more. I have worked with Chase for many years and am so disappointed in their service.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CVB FINANCIAL CORP. (CA)

I trust this communication finds you well. I appreciate your prompt response ; however, I noticed that the specific inquiry articulated in my previous correspondence remains unaddressed. 
To reiterate, my initial request sought additional information, particularly elucidation on the legal framework and pertinent regulations supporting the decision to preclude the utilization of my self-created promissory note as legal tender for both the intended loan application and the concurrent establishment of a new account. 
I must insist on a more direct response to the following query : Could you kindly specify the laws and/or regulations underpinning the denial of my request to employ my promissory note as a means of collateral for the loan application and the associated account opening? 
I have presented legal provisions that directly align with the sanctioned use of such instruments, detailing the entities authorized to seek advancements and the corresponding obligations secured by the deposit of the United States for the aforementioned promissory note. 
Therefore, I respectfully request a comprehensive elucidation delineating the legal rationale for the denial of my proposal. Your cooperation in providing the specific laws and regulations invoked in this decision-making process will be instrumental in facilitating a thorough understanding of the basis for such denial. 
Thank you for your attention to this matter. I anticipate a timely and detailed response to ensure an informed discourse on this issue. '' Sincerely,
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

on XX/XX/XXXX, an amount of {$16000.00} was taken from my XXXX  account for a debt that was previously paid for with the help of my attorney with proof of paying a XXXX XXXX XXXX with a settled amount. throughout the years i would get call demanding i pay this debt ( which was paid ) my Attorney followed up every time with proof of payment!!! 

Now years later a XXXX for the collection took place without my knowledge finally to get information after my money was taken that its ifs for another purchase made the same day and is still unsatisfied my attorney sent all documentation and dmv records showing ownership of only 1 motorcycle the collector then said this is fraud. 

Please i am a father to XXXX children and a wife that has taken a emotionally and physical hardship due to this the was one point where our accounts where negative {$230000.00} due to the levy and the state laws my family actually went hungry!
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MA)

In accordance with the fair credit reporting act U.S. Bank has violated my rights. 

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

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not given the opportunity before reporting to not have the information disclosed to XXXX and was not given an explanation of how I can exercise the non disclosure option.
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

A card and account was opened on XX/XX/XXXX with Old Navy through Barclays Bank without my knowledge. I received a call from Barclays on XX/XX/XXXXXXXX  at XXXX XXXX  wanting to verify the account and purchase made on this account at XXXX XXXX  which I denied opening. I received a letter from Barclays on XX/XX/XXXX stating that this account be deleted and or suppressed because of no knowledge of this account. I just received a letter from Barclays dated XX/XX/XXXXXXXX  that they completed their investigation and they determined that the account was valid and opened by me and I am responsible for the balance of {$200.00} which is completely false.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Dear Equifax I am disputing the account ( XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I have accounts on my report that does not belong to me and I have sent information to bureaus and companies!! XXXX XXXX, US Department of Education, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax claims that I do not have a credit history with them and displays a " Fraud Alert '' when lenders run a credit check on me. When I contact Equifax, they direct me to mail them proof of identity, then weeks later they send me a card saying I do not have a credit history with them and there is nothing they can do. They also refuse to put me into contact with a representative in the United States. 

I know for a fact that I have multiple accounts that report to Equifax. I have been nearly rejected for apartment applications and almost made homeless after graduating college because of this. 

I believe that this is a split file problem, but they are refusing to take any meaningful action to get this resolved.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MD)

I have a Chime checking account. Between the dates of XX/XX/2023 and XX/XX/2023, a total of XXXX fraudulent charges were made on my account. A total of {$530.00} was stolen from my account. I have reached out to Chime multiple times. They opened an investigation and later that same day, already determined that no error was made and no funds will be credited or reimbursed. I called again the next day to explain that its pretty obvious these are fraudulent charges and even the second Chime representative I spoke to that day even said she thought it was obvious by looking at the charges, times, etc that they were fraudulent. She reopened the investigation for me. Later that same day, I received another email from Chime stating that they concluded their investigation and found no error was made and no funds will be credited or reimbursed. Im currently waiting for the documents Chime used to deny my disputes to XXXX in the mail. Once I have that I will be filing a police report along with reaching you CFPB now. It blows my mind that Chime took just mere hours to do a while investigation just to deny me when its very obvious these are fraudulent charges I did not authorize.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Credit acceptance is a fraud company, they used lemon car companies to add extra charges. I returned car after 30 days due to motor blowing and they have put entire car price on my credit. They have been sued multiple times for these very same practices
Consumer complaint received 2024-02-05
Product: Credit 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: CITIBANK, N.A. (MD)

I disputed a unauthorized charge from XX/XX/year> for {$140.00}. Citi looked into this and the vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) said we received the merchandise to our HOME ADDRESS so they reversed the charge back to me. I then took it upon myself to look into delivery options from XXXX XXXX XXXX and they do not offer shipping to home address and will only email the tickets to the purchaser. The email address used was not mine or my wife 's so that is how they stole our identity and purchased tickets ... nothing was sent to my home address and I contacted Citi and explained this to them but they still won't reverse the charge and have delayed this for almost 6 months now and are charging late fees and interest and constantly calling me to make payment. I have called them many times asking what else they need from me to prove this was an unauthorized payment and they say they are looking into it... nothing ever gets done and I am fed up with them treating me like a criminal as we had 4 charges total that were unauthorized on XX/XX/year> and they deemed 3 of the 4 charges not mine but keep trying to get me to pay for this 4th charge even though our identity was stolen on this date and they all used my wife 's name and address but a different email address, not ours.