davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (VA)

XXXX   XXXX  in  XXXX  Florida, entrapped us as buyers of new construction to utilize their mortgage company ( UAMC ) to finance the second home purchase in  XXXX , Florida. We were offered that they would pay our closing costs, as long we used their lender. Their lender cam back to us with a very high interest rate and inflated fees to close on the home. We obtained a  Loan Estimate from another lender with considerable lower interest rate and lower  monthly costs. When we approached  XXXX  with matching or coming close to the other lenders pricing, we were told they are unable to. We asked to include closing costs and they were unable to, we asked for them to refund our good faith money and they refused, saying that we agreed to use their lender. This is a case of steering where they steered us to use their lender and then inflated costs and added points to the loan amount in order for us to use their lender.     Cost of  Home  {$320000.00} Amount of good faith money - {$16000.00}  Interest  rate offered by UAMC/  XXXX  4.0 % with  XXXX  discount points. Monthly mortgage of $  XXXX  per month Interest rate offered by our lender 3.87 % with  XXXX  points. Monthly mortgage of $  XXXX  per month.     All of these events occurred in  XXXX    XXXX   We notified  XXXX  UAMC  to  return our good faith money on  XXXX / XXXX /  XXXX   and they refused and threatened to keep it, if we do n't move forward with the purchase of the home.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (DC)

PNC Bnank is holding my account hostage and not allowing me to use apps such as XXXX or XXXX XXXX. Whe nI attempt to connect my bank to these apps they say that the connection can't be made. PNC Help told me that they're trying to protect me, but it's my account and I wish to do what I please with it. The only option I can currently think of is to close my PNC account and move my business elsewhere, but need a short term solution. Can you do anything to make them stop holding my account hostage?
Consumer complaint received 2022-12-27
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)

In accordance with the Fair Credit Reporting Act XXXX, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHRISTUS HEALTH (TX)

I have had a several month long ordeal with XXXX XXXX attempting to deny coverage for an in network provider. I went to visit XXXX XXXX on XX/XX/2024. I was assured by Christus Health that both the provider and facility were in network on my plan. I have received this in writing as well. Around XX/XX/XXXX XXXX XXXX finally stated that their reason for denial was the contract between them and the provider/facility had lapsed, and that it is the facilities responsibility to maintain/renew the contract per their previous contract. I brought this to the attention originally on XX/XX/XXXX regarding the issue of the denial, and on XX/XX/XXXX regarding the new information received from XXXX XXXX. Christus on XX/XX/XXXX sent the issue into a " internal billing specialist '' to review and attempt to resolve. On XX/XX/XXXX, I began receiving automated messages and calls from Christus Health attempting to collect payment. That same day I called the office and they agreed to pull the balance owed until the internal review was complete. The following day the balance was added back. I called the office back on XX/XX/2024 and sent another written dispute to the bill, they advised that they will not pull the balance owed, even while the dispute is under internal review and will continue to harass to collect the balance. There was a simalar issue regarding the visit I had with XXXX XXXX on XX/XX/2024, but my insurance resolved that with Christus Health
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

there was a letter submitted previously to my claim against Portfolio and they didnt take heed to it and violated15usc6801 " ( b ) ( 1 ) to insure the security and confidentiality of customer records and information ; '' this ensure that the safety of my well being was not met. Especially after i sent them a opt-out revocation which is in 16 CFR 313.7 ( d ) ( 5 ) ( iii ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (FL)

AMERICAN CREDIT ACCEPTANCE IS IN VIOLATION OF MULTIPLE FDCPA LAWS! On XX/XX/XXXX of 2020, I was violated multiple times at XXXX XXXX XXXX in XXXX, XXXX by American Credit Acceptance. I have mailed this affidavit of truth and invoice to american credit acceptance but have not gotten any reponse and i am owed compensation for them violating the laws. I am attaching a affidavit of truth, Files pertaining to the Exhibits on the Affiavit of truth, ID, And proof of adress/identity.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/2023, Chase decided to end relationship with me with no reason. In XX/XX/2023, Chase closed both my saving and checking account, and at that time they told me they will send me the check about the money in both accounts within XXXX business days, but it already 20 days gone. I called them everyday, and they just can't give me a clear day to give me the check just told me their department is investigating. I am an international student here, this really give a a big trouble without those amount of money, nearly {$4400.00}. Please return the check as soon as possible!!!
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center (TX)

I received my first statement from the hospital in XX/XX/XXXX, and I called them in XX/XX/XXXX to request an itemized bill -- I didn't receive the bill until XX/XX/XXXX, but the collection company has been calling daily starting on XX/XX/XXXX ( almost XXXX weeks before I received the bill ). I mailed the collection company a dispute of the debt and a request to cease calling me on XX/XX/XXXX, which they have ignored ; they continue to call me daily. I will be paying the debt with the original creditor -- I do not want to have any contact with the collection company, nor should this be on my credit report. I've been in regular contact with the original creditor in good faith, and I want this collection company to go away.
Consumer complaint received 2021-12-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (PA)

to who it may concern.i XXXX XXXX.was on aforbearance from last XXXX.un till now. with midLand mortgage.i apply for a modifiedcation.they prove me for a load modified.and sent me out some paper for me and my wife to sign.wich we are separate since XXXX XXXX.i inform midland mortagage that and she live in XXXX and i have to travel down there to get her to sing the modifcation papper s.so i did wen down thire on XX/XX/XXXX XXXX and we sing the papper and send them back to midland mortgage.than midland mortgage started to call me all day and night asking me when am i going to send the papper. and i told theme i did all ready.just keep calling me telling me they are going to forclose on me.so now i got to go all the way back XXXX .TO GET MY WIFE to sing the pappers.
Consumer complaint received 2021-06-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Accounts on my credit report have been paid in full and or satisfied. The accounts are still showing as open with balances against them. The items were disputed over 60 days ago and there has been no resolution or notice from the 3 credit Bureaus. They contend that there are still balances on these accounts which is inaccurate. The loan was shared with me and a ex-partner.
Consumer complaint received 2023-05-22
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. (KS)

For the last several years I have been disputing an account on my credit repirt that is not mine. the account shows discrempencies and I have placed a fraud alert and filed a identity theft report with FTC. I have asked for the contact that I signed for account and the credit repait companies XXXX XXXX and Equifax have not sent me that validation information nor have they removed this from my report
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 
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, 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am filing this complaint because the company XXXX XXXX XXXX is intentionally reporting false information on my consumer reports. They have already been notified and refused to cooperate in accordance with the FCRA. There are in violation per 15 USC 1681s-2 ( a ). I have contacted the CFPB by phone and FTC and both companies have agreed upon review of the documents I initially submitted that the account associated with the company was " fishy ''. I was instructed to file with the FTC for fraudulent account information being reported to the consumer reporting agencies and so I did. Block and remove this account for intentionally reporting false and inaccurate information on my credit reports to damage my reputation and XXXX my character. Block and remove this account. This account is associated with fraud.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (AZ)

I have a USD Balance of XXXX dollars at Blockchain.com and want to withdraw it. I am able to do all the other functions except withdrawing. When I want to withdraw I get an error message : " Oops, something went wrong here! You are not eligible to make deposits and withdrawals with this currency. '' I initially contacted the support in XX/XX/XXXX. Despite me reaching out on several occasions via chat and responding to their emails I'm not getting any response. 
I then tried to get an solution via their Social Media channel but that did not help. ( I actually got spammed by people that wanted to abuse my issue ) Today ( XX/XX/XXXX ) I reached out again via chat but I was told that they are working on it and I have to be patient. 
I don't think that this should be an issue that takes more than 3 months to solve. Moreover there is no communication from their side and sessions are just dropped.
Consumer complaint received 2018-06-01
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. (NY)

Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However experian and XXXX  are still reporting these 2 accounts that do not belong reporting. Obviously XXXX has done the re-investigation as the problem has been corrected.i an complaining about experian and XXXX because they should have received the same response as XXXX  did. The company would not tell XXXX to delete them and for experian and XXXX   to keep them. The answer is the same across the board.
Consumer complaint received 2022-12-13
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: Avant Holding Company, Inc. (AL)

I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXX, Avant, XXXXXXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

Good evening, Everytime I go open an account my account was breach my identity was stolen and I things open on my account that shouldve been check for years bank accounts someone hacked XXXX showing driver listened that was stole and I wanted change the picture because of the situation but they didnt want to change it i been fighting for years asking why am I getting no responses call early warning.
Consumer complaint received 2023-05-04
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}.
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (SC)

I was relocating from one state to another and I was continuously giving the run around from DHI Mortgage in North Carolina about job verification and pay. I was given two different closing dates. I scheduled my moving company around the first date along with transferring utilities into my name. When the closing didn't happen I had to stay in a hotel from XX/XX/XXXX till XX/XX/XXXX for weeks and I also had to get a storage unit {$190.00} for a month and hire an additional moving company to move my items once I closed. I have been at my job now for 19 years. I was not starting with a new company I was currently transferring with the the same Government Agency. I was told by Human Resources that the new job information was available as of XX/XX/XXXX. I provided more than enough info about Job codes, levels, rate codes and everything else they could try and find to prolong my closing date. I eventually called and made a complaint about the closing process. I knew by this being my third home I have purchased and second with this same builder I have never had to endure this type of inconvenience.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

I noticed on my credit report, you have reported a charge off, which is that has been discharged. and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a 1099-c so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form 3949a, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP doesn't want to go to court over this. Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation. 

Thanks, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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)

Experian was informed multiple times that XXXXXXXX XXXX was reporting the wrong balances on my credit. After months XXXX finally admitted that they were reporting the wrong balance, and that they were charging me for money that was paid to them and money that was returned to the count per unauthorized charges with interest intact. 

The {$1400.00} XXXX has credited the account is a part of the inaccurate balance that they have been claiming was debt or credit to the credit bureau owed to them for months. 

When I asked XXXX to admit this to the credit bureau they came up with excuses and lies telling me that their inaccurate report did not matter and for me to have creditors call them to let them know they made a mistake if I needed a loan. They have been recorded telling me that what is written in the credit bureau does not matter. 

I began not to trust XXXX and have recording s of everything they said to me, which confirms the accuracy of all that has been stated.,. 

The damage XXXX XXXX  did could have been fixed early on if experian had properly disputed and researched the credit amounts that XXXX stated they issued, when they did not issue nor ask my permission to increase my credit line. XXXX XXXX  abused my trust. XXXX literally took money from my bank and claimed it was credit issued to me by XXXX then reported my money as debt to the credit Bureau, which is illegal and was never authorized by me.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX " RED FLAG '' Inaccurate reporting of my Recent XXXX XXXX Bankruptcies again they are leaving settle debt on credit reports and causing me pain and suffering upon applying for credit. This account was included in my XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX and has already been discharged 3 months to date! The XXXX  account was not delinquent during the filing process Why is XXXX? XXXX XXXX XXXX XXXX XXXX XXXX still reporting a Balance of {$160.00} ( it should be zero ) and it should have ceased in XX/XX/2024 the month of XXXX and not to continue to display in box 30, 60 days late