davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PulteGroup, Inc. (TN)

In XXXX, we relocated to the United States and entered into a home purchase contract with the Pulte Group on XX/XX/XXXX. Subsequently, we initiated a mortgage loan application with Pulte Mortgage for the specified property. It was communicated from the outset that two W2s were necessary for loan approval, a standard requirement among mortgage companies. At the contract signing, the sales agent XXXX, Pulte Mortgage loan consultant XXXX, construction manager XXXX, and I agreed that the closing would not take place before XX/XX/XXXXXXXX XXXX given the availability of my second W2 after XX/XX/XXXXXXXX XXXX 
Until XX/XX/XXXX, there were no deviations from the plan, and all parties, including XXXX. XXXX and Mortgage loan Consultant, were aligned with the timeline. The limitation posed by the W2s was consistently emphasized, and this information was reiterated to XXXX and XXXX on numerous occasions. 
On XX/XX/XXXX, I received official notification from Pulte Group, stating that the closing was scheduled for XX/XX/XXXX. Expressing opposition to this date due to the absence of communication from the loan consultant, I initiated contact with the loan Consultant. Simultaneously, I informed the home building operations team about my inability to conduct financial due diligence regarding loan options. 
Crucial to the home closure is the mortgage with the Pulte Mortgage team. While I had an initial conversation with the loan consultant in XX/XX/XXXXXXXX addressing the overall process, there was no further communication until XX/XX/XXXX XXXX XXXX Despite assurances during the initial conversation, I did not receive the expected contact from the loan consultant approximately 45 days before the closing date as was promised to me initially. 
In response to our opposition, the vice president of operations for Pulte Homes in Tennessee sent threatening emails, insisting on closing the house by XX/XX/XXXX, and imposing penalties if not done by then. We communicated our lack of communication from the loan Consultant and our intention to exercise our right to explore fair mortgage deals by shopping for the best product, down payment, and interest rate. 
Following a follow-up call with the loan Consultant on XX/XX/XXXX XXXX XXXX to discuss loan options, he persistently recommended specific products, down payments, and interest rates, refusing to provide alternative options and wanting us to close on the home on XX/XX/XXXX with his recommended product. When questioned about the lack of contact 45 days before the closing date, he failed to provide a satisfactory response, emphasizing the builder 's desire to close by XX/XX/XXXX and refusing to discuss alternate options.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, Equifax and XXXX. Dispite sending them the last letter dated XX/XX/, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, Equifax and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I made a purchase on XX/XX/30 for to an attorney for XXXX USD and Amex never returned the credit for the voided transaction. As of XX/XX/XXXX the monies was pending crediting to my account and now the transaction of the monies are completely wiped out /deleted from my account history and is not listed in my statement or any documentation that the monies has provided to me. Amex kept my money and decreased my limit and did not provide my XXXX back to my account.. 

In addition Amex baited and lied to me when I accepted the Amex platinum business and blue card. I had an Amex platinum card set at no limit now Amex has decreased my limit without warning or rationale for all of my card. Without reason since I pay more than what is owed on my account and I am never late. However when I received my business card the limit was first XXXX then less than 30 days it was XXXX and has been decreasing my credit ever since without reason. I pay the fees and charges on time and have never been late. Amex falsely advised me to spend XXXX on the business card to earn XXXX but afterwards decreased my limit as a penalty to their incentive for me to spend. ALL of my cards now have reduced limits and does not allow me to use any of my cards to the full limit. Amex never advised me if I got any credit card that they would reduce my limits and treat it like it was one card even if I pay my credit cards on time. Amex is intentionally abusing my rights as a credit card holder by forcing me to 3 cc from Amex as one overall account like they have are tied together and only have one limit. I have neve4r had this done I have a XXXX account and the limit is XXXX they do not reduce the limit if I spend XXXX on my freedom card but Amex does this without warning or a transparency. Amex also attempted to us info from my bank accounts without my authorization to create a profile on me and my business and falsely categorized my spend from one business account as a source for all of my business activity. Amex mislead me as a customer my offering Amex cards and then reducing my overall credit amount after I accepted the offer, IN addition amex does not allow me to modify my payment when I initiate payment if an error occurred. On more than one occasion a payment was initiated that could not be reversed, deleted or modified because Amex had locked this feature from my account. So if I make an error Amex freezes my account and uses it as an excuse to lock all of my accounts while charging me for services that I have no access to. 

Amex is racist they took advantage of a XXXXXXXX XXXX XXXX XXXX  and made our credit fluidity restrictive by using false and misleading practices to have me spend money and then penalized me after I spent the money by reducing my credit limit even though I have never been late and often pay above the minimum amount due!!
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Incorrect Information : 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
Consumer complaint received 2023-08-16
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. (IN)

Equifax said that they were going to delete XXXX XXXX off my credit report per complaint report number XXXX. 
I've been closed a screenshot of Equifax saying that it was deleted and they never deleted it off my report even though they stated on the complaint report that they did. Needs to be deleted immediately. Still never honored and deleted it. This has been an ongoing issue for over 3 months. It's still an issue even after the complaint is closed they said it was already deleted and has yet to be deleted
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was selling a futon on XXXX XXXX worth {$70.00}. The buyer contacted me and said he can transfer the amount right away but only through XXXX. So I gave my email address and he transferred the {$70.00}. Immediately I got an email from XXXX saying 'My account needs to be upgraded to a business account for the money to be credited '. And to make this happen there has to be mutual transfer from both buyer and seller. I fell for it and kept transferring until ( 5 transactions worth of {$300.00}, {$400.00}, {$100.00}, {$1500.00} and {$1500.00} : total of {$4700.00} ) I realized it is a scam. 

I started the transactions on XXXX. My bank ( bank of america ) statement showed the transactions dated XXXX. 

I complained to my bank on XXXX and opened a claim. They are in touch with the recipient 's bank but have not made much progress.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

This is for my XXXX credit card. I made a full balance payment of {$170.00} via phone payment in XXXX of XXXX. The representative confirm that the full balance was paid, with no mention of any additional fees or charges. I was not notified that there would be any additional charges during the call that I paid the full credit card balance in XXXX. 

Later, I received a letter stating that I was months late on an apparent late fee so I called a representative in XXXX to correct the account. The representative cleared up additional late fee charges that they combined from XXXX to XXXX. I paid the late fee charge of {$65.00} from the {$170.00} payment I made in XXXX. 

As of today, my credit report reflects 120 days past due, which based on the facts above is incorrect.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (WI)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I found out that the home 's insurance premium had not been paid at the end of XXXX 2015 and it was coming due XXXX XXXX. My homeowners insurance agent called me and told me that the premium had NOT been paid and they were going to have to cancel coverage on the home. I IMMEDIATELY called Nationstar and they confirmed that there are escrow payments set aside to pay the homeowners insurance Nationstar promised to send payment right away and assured me that it was an oversight. I assumed that this was taken care of as Nationstar had assured me of. 
My agent called me in XXXX, 2015 and said I was NOT going to have any coverage on my home if it is n't paid soon. What to do? I again called Nationstar who promised that payment was on the way. What kind of lender let 's an insurance premium lapse on a home they 're holding a mortgage on? I called Nationstar again. In fact my agent and I had called a dozen over several weeks. They always assured me payment was coming, like they are playing a game or something. So, XXXX XXXX came and went and my insurance company, XXXX, had dropped my homeowners policy. XXXX had never received the insurance premium payment. So, I am currently without homeowners insurance on a loan that Nationstar is holding the loan for.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-12-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX and account name XXXX XXXX XXXX., 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 a 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 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-25
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business day

s after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MN XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. This is the wrong creditor for this item XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. This is the wrong creditor for this item XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Their has been virtual cards that I dont have and like u.s.bank accounts that I never even opened need help with like my credit report being pulled up threw other agencies I never did and home mortgage opening under my name and wen I try to get my IRS tax I can not dew to these things I'm having so many issues please help thank you
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Alorica Inc. (NC)

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The SST/XXXX failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
SST/XXXX XXXX.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-25
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 a 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 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

Someone opened this XXXX XXXX account fraudulently in my name in an attempt to steal my identity and use my credit. I never opened this account and I have no knowledge of who did. This account is a result of stolen identity and needs to be closed and removed from my credit report immediately.