davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Celebrity Financial, Inc. (NV)

I was looking to purchase a home and on XX/XX/2021 I contacted XXXX XXXX a Morgage Agent working for Celebrity Homes XXXX under the supervision of XXXX XXXX. everything started well after running my credit XXXX reach out to me and told me that I was pre approve for a loan of up to {$330000.00}. I started the viewing of the houses and finally put an offer on a house. the offer was accepted on our offer and started the paperwork on XX/XX/XXXX, XXXX as days were going by and time after inspections and the signing of all the paperwork I was told that something came back on my cavers credit report and that they did not know what it was and had me for days trying to figure out. by then the due diligence expire and the seller wanted to cancel the sell. I was advice that we just needed a couple of days to close and ask to have the seller extend the closing on the sell. they accepted only if we were to add another {$2000.00} on top of the original {$3000.00} down payment deposit that was put on XXXX to start the loan process. XXXX, XXXX and the XXXX team employees of Celebrity Home XXXX advice me that there was no problem and my loan was almost done and I could go ahead and wire the other {$2000.00}. again the extended time came and the sell was cancel on XX/XX/2021. I lost over {$5000.00}, and my time I ended having to go to my doctor with a stress rash that I still have markings on my back. because of Celebrity Home employees negligence. back in XX/XX/2021 I email XXXX XXXX, XXXX XXXX and XXXX XXXX employess of Celebrity Homes XXXX and demand a refund for the money lost. I did not hear anything until XXXX call me on XX/XX/2021 and admitting of the wrong doing and that he was going to do the right thing and refund me the money lost but that it was going to take time and they needed to figure out how they could do it. he told me the fastest way was for then to become by lender and if I was still interested on purchasing a home that they would give me a Lender credit of {$6000.00}. I requested for him to send it to me in writing and on XX/XX/XXXX I received and email where he promise to credit me back for the money lost when the result of the cancelation of the escrow. and he ask me to give him until XXXX for my credit to go up and so that we wouldn't have any problems approving me for a loan. On XX/XX/XXXX XXXX texted me that he had quit his job with Celebrity Homes and that I could continue waiting and see if Celebrity homes was going to credit me but that he doubt that they would even call me. he also ask for me to wait for him practically another month and that he would try to help me. I have reach out send another email now to 3 different people including the owner of Celebrity Homes XXXX on XX/XX/XXXX and XXXX demanding and answer as to what is going to happen and that I need my money to be refunded. I have not heard from them. I need help or legal advise to see if I could get my money back. the money lost is worth over 2 months of my salary.
Consumer complaint received 2024-03-12
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. (NY)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-07-30
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. (CA)

I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!!

DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}
Consumer complaint received 2019-02-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

I use a Chase ATM card to withdraw cash from ATM machines at XXXX in XXXX. The machine charges a transaction fee which is disclosed prior to the transaction being completed. Later, the transaction is posted on my Chase statement along with a second transaction for a 3 % currency exchange rate fee.

First, I feel that this fee is extraordinarily excessive based on Chase 's actual costs for the exchange. The banks actual exchange rate costs are probably less than 1/100th of the 3 % fee. A call center representative actually referred to it as an advance fee. My understanding is it is a real-time withdraw backed by actual funds. The transaction is not a cash advance or related to any credit but again a direct withdrawal.

Second, the 3 % fee is not disclosed during the transaction and only shows up later on the statement. My opinion is that a publicly regulated bank as large and sophisticated as Chase, with all the responsibilities and privileges that entails, could easily be transparent at the time of the transaction about what the full costs of the funds will be. Why is it not calculated at the time of the withdrawal to show there is a 3 % cost to receiving funds from a Chase account in a foreign country.

I am concerned that Chase is charging what seems to be an extraordinarily excessive and even abusive fee because consumers are not aware of how little the actual exchange costs are to Chase. Please ask this enormous, systemically important, taxpayer insured, financial institution to justify this less than transparent excessively costly exchange rate fee.

Also ask Chase to make the exchange fee transparent at the time of the transaction. They should be required or at least encouraged to price it aligned more closely with their actual cost. To me this high rate suggests almost discrete usury. Usury and less than transparent costs discourage activity important to our country 's economic growth and inhibits participation in global financial transactions.

A clear direct response is eagerly awaited.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (TX)

This is a formal complaint against Kia Motors Finance located in XXXX XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Kia Motors Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MD)

They are working with me to do settlement for my account. I keep getting these threats from atty and that XXXX but the loan company does not know anything about this attorney and telephone number listed.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused XXXX  to my life. Please remove these account immediately.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX BILL XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX Balance {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$43.00} XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$820.00} XXXXXXXX XXXXXXXX XXXX ( XXXX XXXX  ) XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX Balance {$400.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance {$7800.00} XXXXXXXX XXXX Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX XXXX  was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

Thank you.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a dispute to the Credit Bureaus on XX/XX/XXXX and on XX/XX/XXXX and I am not understanding why XXXX  and Equifax is not responding to my dispute requests at all. This is not right. I want these negative items deleted immediately. 

XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX  XXXX- XXXX- NOT MY ACCOUNT US DEPARTMENT OF EDUCATION- XXXX-UNVERIFIED ACCOUNT US DEPARTMENT OF EDUCATION- XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/XXXX
Consumer complaint received 2019-12-16
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. (MD)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX  for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bayside Credit (CA)

I gave my XXXX XXXX away after having major car issues. I gave it away and the person who took it were to pay off the remaining balance and I would be released of any financial obligations. I signed the pink slip and all DMV paperwork the finance company was notified yet XXXX from XXXX continue to threaten stalk and harass me in all and everyway including through family members and at work
Consumer complaint received 2021-07-28
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. (AL)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

PayPal is refusing to close my account that hasnt been active for over 3 years. Stating that my bank must verify banking information that on a credit card that is expired. I called on XX/XX/30 to attempt to resolve the issue. The representative that I spoke to was rude and placed me on hold never coming back to the phone. When I requested to speak to a supervisor.
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2021 I contacted Transunion Credit Bureau to request the inquiries that were not mine too be removed -- they explained to me that I had to send a written letter to them and the business requesting for the inquiries to be removed -- -In XXXX I sent letters to transunion and the companies to remove the inquiries -- -- this is XX/XX/2021 and nothing -- -on XXXX the XXXX XXXX I called Transunion to ask why was the inquiries were not removed -- the agent told me that I had to go and get a police report saying that I wanted the inquiries removed -- -I do not think the police can help me -- -I did not go to the police stattion because I do not believe they can help -- -- If I have to go I will -- also I explained that one of the creditors wanted to give me a credit increase without my consent -- -I explained to her the problem and she said that creditors can pull my credit if they fill like they need to without my consent -- -I was sure that any time anyone pull your credit report without your consent it is against the law
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a collection from XXXX XXXX XXXX shown on all 3 credit bureaus, Experian/XXXX/XXXX. 

I have settled the amount with XXXX XXXX XXXX in XXXX and paid it off. 
On XX/XX/XXXX all 3 credit bureaus has removed my collection from my report. 
Due to the removal XXXX  and XXXX  immediately have increased my credit score by 24 points ... ..

Experian immediately has decreased my credit score by 31 points ... ..

I have already sent Experian screenshots of the other 2 credit bureaus of the removal and increase of my score, without any solution till now
Consumer complaint received 2021-07-30
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: Self Financial Inc. (CA)

A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " Self Lending '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted Self Lending they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (TN)

I recently applied for a small loan and my bank was unable to pull my credit report because Equifax said I had a freeze on my credit. I called Equifax and they said I did not have a freeze. I also called XXXX and XXXX and they also said I didnt have a freeze on my credit yet my bank is still unable to pull my credit for a loan.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I entered into a consumer credit transaction with capital one a few months ago after receiving a pre approval card in the mail. They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with Capital One using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with Capital One. I am not looking for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with Capital One. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. Capital one ran my " credit '' received the credit and they want me to pay something back.
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (TN)

I have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.