davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NJ)

In XXXX of XXXX, Sun West Mortgage Company issued me an FHA loan for the purchase of my primary residence. I have reasons to believe Sun West Mortgage Company failed to meet " HUD Quality Control Requirements '' when  underwriting my loan. Deficient and poor underwriting practices lead to enormous losses to the Federal Government, and also to individuals ( a. individuals to whom loans are issued, b. millions of taxpayers ).
I have reasons to believe that Sun Wests underwriting of my loan was deficient, having " excessive qualifying ratios '' and " insufficient compensating factors ''. HUD 's handbook requires that lenders gather significant compensating factors to approve loans that exceed HUD-FHA 's limits. One compensating factor, for instance, would be for S
Sun West to require a borrower to come up with a larger down-payment. Sun West, however, failed to gather any significant compensating factors to approve my loan. 1. My debt to income ratio was too high, exceeding HUD 's benchmarks. 2. Sun Wests underwriters qualified my commissions as " acceptable '' and " verifiable '' income, even though I had been at that job for less than a year. I had also just recently moved to New Jersey.
3. Sun West hired their own appraiser as required by FHA, which appraised the value of the home at exactly what the seller was asking for ( at {$270000.00} ). I later found out that the seller had purchased the home for only ( {$110000.00} ) just seven months prior to the appraisal. The seller did poor and minor work at the house ( obviously not spending more than {$10000.00} ). The nearby homes had been sold for a much lower price, thus, leading me to believe that the
appraiser was in collusion with the loan officer to get a high appraisal, to get that loan approved quickly, through a " lethal predatory lending '' that has now put me on route to foreclosure. It has caused me substantial financial loss.
5. The loan officer had contacted me through a lead that was given to him by my realtor. Sadly enough, my realtor lacked integrity and honesty. At this particular sale, my realtor was violating several New Jersey Real Estate laws ( he and the seller, who were in collusion, were later fined by the State of New Jersey for these violations ). After reviewing all communications with my loan officer and my realtor, it appears to me that the loan officer did not act in good faith at the issuance of this loan. It appears to me that he served the best interest of the seller and of the realtor ( who at this sale, failed to disclose that he was a dual agent ). As a matter of fact, the seller was a broker ; she and the realtor had an employer-employee relationship. 5. After contacting Sun West about being a possible victim of fraud and " predatory lending '', Sun West failed to provide me with an adequate response, and my loan was quickly transferred over to XXXX ( which is the mortgage bank that now shows on my credit report ).
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (GA)

I had a garnishment sent to me last year. I went to my bank Chase. I wired {$4700.00} to the creditor on XX/XX/XXXX. The Attonery and the court sent me the dismissal of garnishment paperwork and I received it by mail on XX/XX/XXXX. On XX/XX/XXXX Chase put a hold for the garnishment on my checking and savings account leaving me without access to any funds. On XX/XX/XXXX I went to my local branch and they faxed the Dismissal of garnishment and the letter from the attorney stating debt was paid in full. It is now XX/XX/XXXX and I still dont have access to any money. When I call they told me I would have my money in 24 to 48 hours. Its been a week and I still have a hold and negative account balance. My credit card payment was also returned for insufficient funds. I understand that accidents happen. I have given Chase a full week and now I dont have any money anywhere. I cant buy gas or food for my newborn. Please help.
Consumer complaint received 2023-03-01
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-05-23
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)

When I investigated my credit report, I realized that some of the information was erroneous.

The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-05-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Acoount # 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 an account without my written instruction.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-03-01
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)

I am writing to express my deep concern regarding the unethical practices of XXXX, XXXX and the failure of XXXX, TransUnion, and XXXX to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank ( XXXX XXXX ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from XXXX XXXX demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over XXXX XXXX XXXX XXXX 

I have made numerous attempts to dispute the fraudulent collection with TransUnion, XXXX, and XXXX, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, XXXX XXXX has continued to claim that the debt is mine and has refused to remove it from my credit report. I have filed a dispute with each agency nearly every month requesting this be removed and they fail do remove it. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but XXXX XXXX still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} as a result of their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. 

I implore the CFPB to investigate the unethical practices of XXXX XXXX and the failure of TransUnion, XXXX, and XXXX to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope that the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships. 

Thank you for your attention to this matter.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (GA)

XXXX  fraud called me at  XXXX  on  XXXX   XXXX ,    2017  to ask if I authorized a {$69.00} charge from  XXXX   XXXX . I said no and to block the charge. On  XXXX   XXXX  this charge was resubmitted and went through. I called the number shown for  XXXX  and it was their flight line with no option to ask about the change. After multiple calls over several hours to find  XXXX  accounting, they could not find any charge. I initiated a dispute with  XXXX  and they said they found it was a legitimate charge but could not tell me what it was for or provide any support for their decision.
Consumer complaint received 2016-09-08
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX
Consumer complaint received 2024-03-27
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. (NC)

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX 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. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MO)

I have attempted multiple times and made multiple calls to get the release of my title from Westlake Financial. My car has been paid off for roughly 5 months now. The company has given me the run around and keeps transferring me to other departments because I reaffirmed this debt with a bankruptcy. I did, in fact, reaffirm this debt and paid as agreed. My bankruptcy was discharged over 2 years ago and I have since bought a home YET this company refuses to release my title
Consumer complaint received 2018-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

Frustrating working with XXXX XXXX XXXX 1. Error transferring {$250000.00} from savings account to CD account. 
2. Denial to transfer {$110000.00} from savings to CD if on deposit was made to CD account. 
3. Denial of password to be saved on my computer FORCING me to request a passcode. 
DO NOT always have access to mobile phone for texting DO Nota always have email since when I travel international accounts get blocked by web mail providers when suing public domain login 4, XXXX XXXX XXXX REFUSES to allow email or chat correspondence so you can not document written complaints. 
5. XXXX XXXX XXXX DOES NOT respond in writing to complaints over the phone. 
6. XXXX XXXX XXXX DENIES on internet me the right to move money from CD account online to savings, XXXX XXXX XXXX intra-bank limits prohibit transfers between internet accounts, prohibit written feedback on web problems, and NEVER communicate solutions just pass along complaints. 

Recommend GolDman SaCHS TERMINATE ALL RELATIONSHIPS WITH XXXX.
Consumer complaint received 2024-04-18
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: OneMain Finance Corporation (GA)

I requested information from the creditor and have not received anything.

Please have this company upload the following documentation : Last XXXX  months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX, XXXX & XXXX opened XX/XX/2021 for {$220.00}, XXXX opened XX/XX/2021 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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 ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account " 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 2023-03-03
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: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-01-10
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. (DC)

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and XX/XX/2021. I demand the deletion of these inquiries from my Equifax report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter
Consumer complaint received 2023-05-23
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX