davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation (FL)

In XXXX I applied for and received a XXXX XXXX XXXX for my property at XXXX XXXX XXXX. In XX/XX/XXXX, I applied for a refinance of my construction loan with Amerifirst Home Mortgage. 

My underwriting file was forwarded to XXXX Underwriting Department on XX/XX/XXXX as documented by an e-mail from XXXX XXXX, Renovation Sales Manager. I was denied approval of my loan on XX/XX/XXXX. I requested this denial due to being negatively impacted by Covid-19. 

I have written Amerifirst regarding their failure to provide a timely loan decision. I have enclosed their response asserting full compliance with XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, Amerifirst did not request any additional information from me. Prior to XX/XX/XXXX I provided my tax returns, compensation statements, bank statements and retirement account statements. From XX/XX/XXXX to XX/XX/XXXX, my credit report was run, an appraiser was appointed and a survey was conducted. I was even promised a closing date in XXXX. 

Amerifirst 's failure to provide a timely credit decision and taking actions that would indicate loan approval ( survey, appraisal, title company etc. ) resulted in significant financial harm to me and my family. If I was given a timely denial of credit I could have possibly secured an alternate source of refinancing. 

In addition, the appraisal ( s ) used in my refinancing contained factual errors as well as failure to follow well established appraisal methodologies for excess land. I have filed complaints with the State of Florida regarding the two appraisers. The key issue here is that the loan to value ratio should be below 80 % and PMI should be avoided. With the flawed appraisal reports, my loan continues to require PMI and the associated premium. 

I have provided you with the relevant letters that I wrote and Amerifirst 's response. I have provided a timeline of this transaction.
Consumer complaint received 2021-03-22
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 FILING THIS COMPLAINT AGAINST EXPERIAN AS THEY ARE IN VIOLATION OF THE FCRA SECT 609-811 BY REPORTING ERRONIOUS AND FRAUDENT INFORMATION ON MY CREDIT REPORT AFTER BRINGING THIS MATTER TO THEIR ATTENTION SEVERAL TIMES LAST YEAR. I HAVE FILED A FTC COMPLAINT AND PREPARING TO BEGIN LITIGATION IN REF. TO THIS MATTER. SEE ITEMS LISTED BELOW : XXXX XXXX XXXX XXXX BANK INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX XXXX XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida sold my count to Aragon agency. When I was admitted to the hospital I didn't know they didn't put in my fire rescue with my bill. So now I have a collection on my credit report that I owe {$830.00} to Aragon agency. I will not pay this I will wait to 7 years but I think we should be taken off because I never gave them permission for Aragon agency.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I found out about this debt after I got my credit report. I asked them to validate this debt with information and they have yet to supply me with it. I told them it is unlawful to try to collect a debt which includes reporting it on my credit report but they are ignoring my request for validation and neglecting the law by reporting it on my credit report.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

Ally bank offered a up to ten day deferred payment plan two months after I took the loan some 63 months ago. I accepted their deferred payment every month from the XXXX  of the month to the XXXX of each month. They automatically draw out the payment on the XXXX. To date there has never been a missed payment on this 75 month loan. Now every month the state on the XXXX of the month Im past due. Im not when they auto draft my payment on the XXXX. If this was the case why offer a ten day deferred payment. I have contacted them on numerous occasions throughout this loan to tell them to stop stating Im late when they set up this program. Today I argued with three different people. The payment will come out tonight as it always has done for the last 63 payments. I am tired of hearing Im in default when I am not. The second person spoken to stated that there is no delinquent payments in my history. None! This is what I get for paying on time every month and adhering to their offer and contract. The original date was the XXXX  of each month then why dont they auto draft it on that date. I want an apology and a credit score increase. The argument is easy on my part they breeched the contract. Not me. In fact I will on request supply all bank records at your request of XXXX XXXX payments and emails from ALLY saying two days after payment has been made thanking me for my on time payment. Enough is enough! Thank you for your time. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX.
Consumer complaint received 2021-12-17
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)

An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXX after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the two letters from XXXX XXXX XXXX confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.
Consumer complaint received 2021-03-22
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. (NJ)

Please help me, II don't know what to do. I am a victim of identity theft and I need help because my credit has realy been affected. I have been asking for help and my lawyer told me to submit a complain with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to mee. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : XXXX  : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.
Consumer complaint received 2021-11-12
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (ME)

There was a lawsuit against Santander Consumer for malpractice when it comes to giving out car loans, all consumers who met certain requirements were to have their balances forgiven, or to have their negative reporting in credit reports to be deleted. I was clearly within the requirements for this restitution ( with proof ) and never heard from them. I can also prove that I should not have even received this loan in the first place, as I did not meet requirements for the loan. 

I would like my charge off of the car loan taken off my credit report. 

There are many inconsistencies within my report and this loan. I have never received a copy of my loan application and disputed with the 3 credit bureaus.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/2022 I requested {$6100.00} be transfered from my account with Gemini " earn '' account to my digital wallet in order to withdraw the sum completely out of Gemini. The original user agreement claims that my assets would be available withing 5 business days. It's been more than a month and my transfer has not been fulfilled. Gemini has since changed the user agreement and requested that its users accept the new agreement within 7 business days.
Consumer complaint received 2022-12-27
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. (MS)

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but you've ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Consumer complaint received 2022-12-29
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. (MI)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Services ( CMS ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX CA XXXX Carrington has countered the buyers offer to $ XXXX. They have not done an interior value done on the property. They are simply averaging the XXXX, XXXX, and XXXX estimates online. XXXX shows value at $ XXXX and XXXX shows it at $ XXXX THE ENTIRE REAL ESTATE INDUSTRY KNOWS THESE VALUES ARE NOT RELIABLE. 

Additionally, after several discussions with XXXX XXXX and the rest of Carrington and reminding them that we, RE XXXX XXXX is the primary contact and authorized negotiator chosen by their borrower, they are still refusing to contact us to discuss the short sale. 

Carrington has not done their due diligence in their valuation review. I want an interior value done and I want the foreclosure date postponed to allow for the short sale review.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Dealer Finance of Western Kentucky (TN)

My now ex called and talked to dealer fiance of ky his self he paid XXXX payment well we broke up 6 months later he calls them n request his money back they give it to him without taking to me nothing I'm the only one on my car n no one is to talk to them but me I didn't find out till months later qhen they refused to take my payment by phine like I always pay cuz they messed up
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 days.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second time submitting a complaint. The first time was on XX/XX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.
Consumer complaint received 2021-03-22
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. (FL)

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Concerning Equifax. I tried to get free credit reports for over a month at myequifax.com. 

becasue they are incompetent and can not be trusted with Americans personal credit information. 

I could not access my report through that porital. 

Then I fled a complaint with CFPB and Equifax emailed me with information that also would not let me access my credit report. 

I tried to email them four times over apporoximately the last month, with no resonse from Equifax. 

Could you please fine the XXXX out of these incompetent and vindictive XXXX? 

When I finally get my credit report I will probably file a lawsuit for reporting violations of the FCRA, since XXXX, 2019. 

Eqiufax knows this and is intetionally stalling giving me access.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I received a notice of an updated Credit Report from my Dedit Card Company ( Discover Card ) on XXXX XXXX issued by TransUnion. The report indicates that My credit standing went from XXXX in XX/XX/XXXX to Fair in XX/XX/XXXX including all the months from XX/XX/XXXX to XX/XX/XXXX. 

I tried to resolve the issue with TransUnion on their Website and by Telephone to no avail Since I do not have a current USA mailing address. I do not live in the USA although I maintain credit cards and bank accounts in the United States. I provided TransUnion with a prior address that I had used while on vacation sometime back and they did find my credit report, although would not provide me with the information via electronic messaging.
Consumer complaint received 2019-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I had a XXXX Mortgage XXXX from Chase XXXX. I sold the house and closing was done on XX/XX/2018. I had an escrow account for the XXXX Mortgage XXXX and there is a duplication of payment on XXXX XXXX taxes. I have been trying to get a refund from Chase XXXX and made numerous calls to Chase Mortgage but not getting results. 


Chase Mortgage Account No : XXXX FHA Case No : XXXX XXXX Had I been late on my monthly mortgage payment, Chase Mortgage would have charge a late fee and additional interest.
Consumer complaint received 2021-03-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was fraudulently charged on my credit card and the bank decided on the favor of the merchant that charged my card with out asking me anything. I kept calling and they said they are reopening the case and they are not doing anything about it and still charging me. 
I have been with Bank of America for more than 30 years now and feel that the bank should be protecting its customers against people that are stealing. 
The charge is from XXXX XXXX in the amount of {$2100.00} on XX/XX/2021
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I XXXX XXXX XXXX the consumer received a letter from Portfolio Recovery Associates stating an alleged debt is owed.This is a violation pursuant to 15 USC 1692b ( 2 ) A debt collector shall not state that a consumer owes any debt.I gave no consent to Portfolio Recovery Associates to contact me at anytime pursuant to 15 USC 1692c ( a ) ( 1 ).
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (IN)

Sage Stream sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.