davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (NC)

On XX/XX/XXXX I received a pre-qualification letter from Movement Bank for {$140000.00} to purchase an investment property, me and my realtor started to look for properties and on XX/XX/XXXX we went into contract for a property to be sold at {$100000.00} for that amount I would put 20 % down and Bank was supposed to lend the remaining balance. 

I put {$2000.00} for earnest money sent to Attorneys and {$2000.00} for Due diligence money sent to owners so they would take off the market and be in contact with us-my realtor and me, due diligence money as for my understanding to work as a promise to close the deal or lose it. 

I paid for a inspection that was done XX/XX/XXXX at the property where I was planning to purchase XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX, everything seemed normal. 

Then suddenly on Thursday XX/XX/XXXX I received an email from XXXX XXXX loan officer at Movement Bank to tell me I must borrow a minimum of {$110000.00} for this loan, something that wasnt disclosed before or at any point, why would they not share such a critical information until after I went into contract, after 9 days of knowing I was into a contract and they knew the purchase price. 

Now Im losing the {$2000.00} sent to current owners as a due diligence money, and Movement Bank representative just saying that they told us and they making an emphasis on the loan amount, I have the pre-qualification letter and emails where nothing was disclosed, in fact my realtor was also surprised on why would they let us go so far getting into contract and then drop the XXXX. 
In email from Thursday morning XX/XX/XXXX also from Movement Bank representative loan officer XXXX XXXX says As a reminder the minimum loan amount recommended for investment loans is at least {$110000.00}. 
RECOMMEND it doesnt say is a requirement. 

Theyre the Bank and now refusing the loan for about {$84000.00} because they say its too low, but Im losing my due diligence money, because they let me go into contract and put that money in. 

Attached is the pre-qualification letter where is show a hypothetical {$140000.00} loan amount. 
Email dated XX/XX/16 says estimated payment scenario.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2023 we unknowingly transferred {$4500.00} to an impersonator who was imitating the company we are working with to restore our home after we experienced a category 3 flood. Funds were transferred via ACH to their XXXX XXXX Account ending in XXXX. The scammers utilized the signature block of the person we had been dealing with from the legitimate company. Later that same day, we called the company to inform them that the payment had been made and they informed us that they had been hacked and a few of their other customers had fallen victims to these scammers. They then sent an email to all their customers to inform the if the issue. We called our bank, USAA, the same day to report the fraud and asked for the transfer to be canceled our reversed. On XX/XX/XXXX, they informed us that they were not going to take action because they " determined the transaction was processed as requested. '' While this is accurate, this is exactly how scammers get away with this because they convince unsuspecting people to initiate these transfers that are then " processed as requested. '' Request assistance in getting USAA to get our money back as this money is supposed to be used for restoring our home to a livable condition. 

Note : I was not able to upload the entire email string due to the PDF exceeding the 10MB limit ( it's 11.52 MB ).
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

The Chase bank account I opened on XX/XX/XXXX has been locked. I have the account opening certificate and my deposit certificate. My bank account balance is US {$5000.00}. They shirk responsibility for various reasons and refuse to return my deposits that belong to me. My request is to get my hard-earned money back, as well as my lost time and lost wages.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION (MO)

My auto loan was purchased by SunTrust Bank. While with SunTrust Bank, it was virtually impossible to ever get a hold of any representative or person in regards to my account. At one point, I knew that I would be slightly late on being able to pay my monthly note and I was actually able to get through and speak with someone in regards to the delay and explain the situation. I was told by the individual to just call back and pay on the date that we discussed which was approximately 15 days after my due date. Upon doing so, I made the payment but was contacted shortly thereafter by the bank stating that I was late and inquiring whether I wanted to resolve the debt. I explained to them that although I was late, I did indeed make the payment. I continued making my payments on time for the next couple of months but also continued receiving calls stating that I was delinquent. I then spoke with a manager in regards to why I kept getting the calls and it was explained to me that as I was paying, my payments were being applied to the next month 's payment as opposed to paying the debt in question as paying on a late payment would require me to purchase a money order or send cash through the postal service which I was not aware of, nor willing to do. Shortly thereafter, SunTrust Bank was purchased by Truist Bank where I was much more successful with speaking to Representatives and working with someone on the issue as I was never really able to get a hold of anyone at SunTrust after that point until they were bought out. I put in a dispute with Truist and was told upon completion of the dispute that the report would be removed from my credit history. I believed that the situation was resolved until approximately 1 year later when I attempted to get a loan and was told that it was still on my report. I contacted Truist and informed them that it was never removed as promised and they informed me that they would have to file another dispute. I received a letter later saying that the dispute was denied and nothing would be changed on my credit report. I called back two more times to explain the situation and explain that it was not up for renegotiation, it was just finalizing the initial dispute and removing the mark from my history. I ended up filing a total of three disputes all which were dismissed seemingly without consideration. Upon filing the third dispute, not only did they not remove the report in question, they added two more missed payments to my record that were previously not there. At this point, it's no longer just unethical business practice, it's intentionally malicious and I received it as a clear cut message that if I continue working towards Justice and correct reporting, they will do whatever they want to stop me with no recourse or checks and balances.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I previously requested a credit report from Equifax, XXXX years prior, and was unsuccessful. I requested my full credit file on XX/XX/2023, via the USPS ( return receipt requested ) and was denied by Equifax, although I sent my own Social Security card and ID copies to them.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked me if I knew that there were a few names on my Equifax credit report while applying for a credit card. I answered that I did, but Equifax had not corrected it. The credit card application through XXXX XXXX XXXX XXXX XXXX was denied on XX/XX/2023. I sent another credit report request on XX/XX/2023 via regular mail via the USPS, following my credit denial at XXXX XXXX XXXX XXXX  XXXX in a vain attempt to see whose information was on my report. 

To my horror, but not to my surprise my single applicant XXXX XXXX XXXX application from XX/XX/2023 was denied, citing, " We are unable to verify the identity of the applicant and/or the co-applicant. '' XXXX XXXX XXXX, according to XXXX and her supervisor, pull consumer loan and credit card reports from Equifax. My year 's long battle with Equifax is causing more unnecessary hardship and denials, as I have no paperwork or IDs to match Equifax 's false information on my reports. 

I attempted one final time on XX/XX/2023 ( Priority Mail ) through the USPS, to secure a copy of my credit report from Equifax to finally see whose names, addresses, dates of birth and all other false information were on my credit report. Despite my submission of my very own documents again, and waiting years, I was denied again. Equifax has violated the Fair Credit Reporting Act more than 7 times, and the Federal Trade Commission policy which prohibits the denial of consumer credit reports when requested. Equifax is continuing to act in bad faith and outside the bounds of established laws.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weber & Olcese, PLC (MI)

Sent alleged debt to a local debt collector and was never notified of debt. Called after the left they left fake court papers at my brother 's house with little to no information. Called and spent days to try and get the information on the debt to find out it was an account that had charges that were not mine on it and disputed with original creditor as fraudulent charges and I thought was taken care of to find out this information.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (SC)

XX/XX/XXXX  XXXXXXXX XXXX XXXX  PRE-ARBITRATION SETTLEMENT DEMAND To whom It may concern : PLEASE ACCEPT THIS LETTER AS NOTICE THAT YOU ARE IN VIOLATION OF THE ARBITRATION AGREEMENT SECTION OF THE CONTRACT BY SELLING THE ACCOUNT TO THE THIRD-PARTY DEBT COLLECTOR, IN PERTINENT PART ANY BECAUSE OF THE BINDING AGREEMENT. NO ARBITRATION PROCEEDINGS HAVE COMMENCED THEREBY RESULTING IN A MATERIAL BREACH OF THE TERMS OF THE ARBITRATION AGREEMENT. 



I WISH TO SETTLE MATTER QUICKLY ON THE TERMS THAT YOU GET THE DEBT COLLECTOR TO DELETE THE INFORMATION FROM MY CREDIT REPORTS BECAUSE OF THE ILLEGAL ACTS. 

Also I wish to be compensated in the amount of {$2500.00} for Damages.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (PA)

i was trying to inquire about house to buy with option to rent, they check my credit reporting and made me aware of various inquiries that do not belong to me. Due to my reporting showing this item, I am unable to move forward on my daily living.
Consumer complaint received 2017-03-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I am in the process of doing a deed in lieu and I am having a issue with the second mortgage Wells Fargo. I submitted paperwork to them that I had received from my first mortgage on XX/XX/2017 via fax. Instead of them reading the paperwork and acknowledging that it was a settlement offer from my first mortgage they removed me from their hardship program. I had to call them several times and have requested that they respond to the correspondence that was sent to them and advised myself and my first mortgage if they are going to accept the settlement offer. Since I sent the correspondence I have been assigned several representatives. The last one assigned to me XXXX, I sent her an email on XX/XX/XXXX to find out the status of the settlement offerr. She called me on XX/XX/XXXX at XXXX and stated that she did not know the status but she would reach out to the processor and would call me back in 24 to 48 hours. It has been 8 business days since I spoke with her and have received no response. I also sent her an email for status on XX/XX/XXXX and XX/XX/XXXX and no response as of this date. Why is it taking so long for them to agree to the settlement offer. This is the only thing that is needed for my first mortgage to conclude my deed in lieu.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : NISSAN-INFINITI LT : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2024-03-16
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)

XX/XX/year> RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, and Experian it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX, and Experian has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Consumer complaint received 2023-12-15
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. (MO)

For the Credit Reporting Agencies continued violation of the FCRA and these specific codes. 15 U.S. Code 1681 ( a ) ( 4 ) ; For the Credit Reporting Agencies continued violation of the FCRA and these specific codes, 15 U.S. Code 1681 ( a ) ( 4 ) ; 15 U.S. Code 1681 ( a ) ( 2 ) ; 15 U.S. Code 1666b.

Legal Demand and Notice as it pertains to the FCRA as a federally protected consumer. For continued failure to act in good faith. As private for-profit companies that collect data on the credit history of people to then sell to the commercial and financial enterprises that extend credit. See 12 U.S. Code 1431 ( a ) I am now opting out ( rescinding ) of any and all Authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I sent a request for my full disclosure of my credit file, with everything they have on file about me, to Experian at their publicly listed post office box. It was sent by certified mail with return receipt requested to the Experian Consumer Disclosure Department, XXXX XXXX  XXXX, XXXX, Texas XXXX. The second of the same letter, was also sent to Experian at the same publicly listed post office box by regular mail. Experian received my certified mail on XX/XX/XXXX, per the United States Postal Service. As of XX/XX/XXXX, Experian has violated the Federal Trade Commission policy which outlines my right to these reports as a consumer. They are required to 1 ) give me a free copy every 12 months ; 2 ) correct any mistakes, and 3 ) make sure the information they collect is correct. The incorrect information has remained on my report for years, and Experian has illegally denied my written request, twice within 70 days.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

The company has not provided ANY proof of debt and are harassing me threatening to hurt my credit, etc. 

They have not sent me original statements and I have sent them the letter that shows this has been paid by charity at the hospital. 

All I have is what i had before a list of numbers which mean nothing to me. 

They did adjust the amount but are still attempting to collect fraudulently. 

tHE LETTER FROM THE CHARITY HAS ALREADY BEEN SENT.
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XXXX XXXX I was scammed out of {$400.00} using Zelle through my XXXX app trying to buy tickets for a concert. The person made a fake XXXX invoice and told me they were going to tranfer their tickets to me through my XXXX account. They then sent me an email from their email account with a very real looking invoice saying I got the tickets. I told them XXXX should have sent the email. At that time, I knew it was a scam. I called XXXX and filed a complaint and they said I needed to contact Zelle bc Zelle is a 3rd party on their banking services. Right now I do have a complaint with XXXX as well. XXXX had closed my complaint less than 24 hours later. But I also feel Zelle has treated me unfairly as well. When I called, they said I needed to call XXXX and I told them that XXXX said I needed to call them. When I gave them the info, they said that they don't dispute the charges and I can't get my money back. I asked " why can't they just get the money back from the Zelle user that scammed me. I told them I had alot of information about the person, including his address, phone number, email account and copies of texts and phone logs ''. They said that they didn't need any of that but if they did, they would contact me. But, I would not be able to get my money back. I felt like someone should stop this person from scamming other people, so I looked online and filed a complaint online with Zelle. A few days later, I called XXXX and they said it was closed and in Zelles hands and I could maybe get a courtesy refund from Zelle. They said my Zelle case number was # XXXX.I called Zelle and gave them that # and they said it didn't exist and to handle it with XXXX. I asked for a manger and the manager said maybe there is a case number with that # but there was nothing more they could do. I told them I was really concerned about this person scamming other people and I didnt understand why they couldnt just reverse the transfer or do a chargeback if they had the scammers info. She said I would not get my money back, but she would take down the info i had about XXXX XXXX and try to flag his Zelle account. Please help me to understand how they know this persons information but can not get my {$400.00} back from them. Is there any way the ABA 's Electronic Fund Transfer Act ( Reg E ) can help me get my money back. I did so much research about this and about the person who scammed me, I want them to repay me and to also be held accountable for scamming me. I am in the middle of a police report right now and would like to prosecute this person, if that ever happens.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2024-01-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (OH)

I apply to Citi Bank saving account on XX/XX/XXXX and get rejection letter in couple of days. I give a call to number provided in the letter ( XXXX ) and was explain that further verification required. After spending couple of hours on the phone : providing all info requested and signing documents via XXXX, I was explained that my application accepted. I received a pin code for new debit card on XX/XX/XXXX ( and expected debit card in a couple of days ). Today, I received another rejection letter ( reason : unable to verify information, file number XXXX ). I give a call to XXXX XXXX  again ( XXXX, fraud protection team ) and was explain that application could be ONLY PROCESSED in the branch office!!! 

Customers should be explained that account could be opened ONLY in the CITY BRANCH OFFICES ( why then they have a button apply online / and phone number to create new accounts )?