davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMBRACE HOME LOANS (IL)

I have submitted an application for re-finance with Embrace Home Loans as a response to their offer in the mailbox. Embrace Home Loans offer was as given below in quotes. All of the conditions in the offer were met by myself. Embrace Home Loans was not able to beat the competitor 's offer until the day of this complaint. When I asked to pay me {$500.00} as mentioned in the offer, they were giving excuses of all sorts. I was unable to provide the Loan Estimate from another lender as somehow I misplaced that document. Instead of Loan Estimate, I provided the final Closing Document with all correct costs in all categories, and that was rejected by Embrace Home Loans saying they only need Loan Estimate. When Embrace Home loan mentions the loan estimate can change until the loan is closed, the final Closing Document from another lender is rejected. 
I see this is not honoring the offer and creating a honey trap for the customers and taking all original documents from them ( even from the other lender ) making the information of the customer vulnerable for leakage. 

Embrace Home Loan Offer in the mail ( I also have hard copy of this if required ) : " Embrace will beat any competitor 's offer or give you {$500.00}. If you've received a competing offer, tell us about it. As long as you've submitted an application with us requesting the same terms, we will give you our offer through an official Loan Estimate ( or a revised Loan Estimate if you've received a previous offer from us ). If we don't beat the competing offer by making an offer with a lower APR, we'll give you {$500.00} - no more questions asked. A qualifying competitor 's offer must have the same terms as the offer requested from Embrace and be obtained within one week of applying with Embrace. You must present sufficient proof of this Offer to qualify for the {$500.00}. An official Loan Estimate without any obvious errors is considered sufficient proof, although Embrace will also accept various other forms of evidence as sufficient. Once presented with sufficient proof of a qualifying competitor 's offer, Embrace will have three business days to issue a Loan Estimate ( legal binding good faith estimate of loan costs ) with the same terms and lower APR. Otherwise, you are entitled to {$500.00}. Remember that even an official Loan Estimate is subject to change based on a lender receiving new or different information than reasonably relied on in providing the Loan Estimate. This is not a guarantee of the final terms that will be provided at closing. The terms and costs disclosed in the Loan Estimate may change within legal limits. The same is likely true for the competitor 's offer. For this and other reasons, you may choose to continue with your application with Embrace even if you do receive the {$500.00}. Maximum claim of one offer per application. Limited time offer only - must submit an application to Embrace Home Loans within 30 days of this advertisement to qualify. ''
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (TX)

XX/XX/2023 someone charged on my Home Depot credit card without using my credit card or my authorization. I made a complaint with them and filed a police report. After Home Depot made their investigation they sent me a letter stating that I was responsible for the charge of {$900.00}. 

Police Report with XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-08
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I had never received information on how to resolve paying off these debts, from XXXX XXXX XXXX  XXXX. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status.

Originator Creditor FEDLOAN Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX Balance, XXXX  Past due. Report Date XX/XX/XXXX. 

.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

Originally appeared on my credit reports several years ago as a debt owed to XXXX XXXX ( TX ) XXXX. Evidently, they are a county ambulance service. At the time they claim services were provided, sometime in XXXX, I was XXXX and was covered by Medicaid. I had never and have never received a bill of any kind either from XXXX XXXX XXXX or the collection agency, Municipal Services Bureau ( " MSB '' ), which is a known scam front for Gila Group. When this first appeared on my credit in XXXX, I called MSB and explained the situation and asked why I never received a bill of any kind from XXXX XXXX XXXX, nor from MSB. No one could provide any explanation and agreed to remove it from my credit, which it was. Then out of the blue, about 6 months ago it reappeared on my credit. I have contacted MSB again and they could not locate any record of me whatsoever and had no idea why it was on my credit. The MSB rep said he couldn't have it deleted if they had no record of me. In other words, they didn't know why it shows on my credit so they can't do anything to remove it. But the Rep then went into a spiel that if I paid MSB the amount shown as a debt, they COULD remove it. So it is just a shake down by a corrupt company, Gila Group, and its front MSB.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I contacted Bank of America and spoke to XXXX in XXXX & XXXX cards and asked her to cancel XXXX XXXX credit card. She told me she did this. 
On XX/XX/XXXX, I saw there were charges on XXXX card, and I contacted Bank of America immediately. After speaking to many representatives, I received no resolution, and filed a complaint with the XXXX 
Then, when I received my statement, I learned that there were {$1500.00} in fraudulent charges. 
To date, this issue still has not been resolved. It is now 11 months, and there still isnt a resolution for an error a Bank of America employee made. 
I am requesting the {$1500.00} plus {$4300.00} interest charges be credited back to my account. The total amount is {$1800.00}
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received a letter from BofA asking for additional information to dispute a charge with XXXX, as well as documentation from XXXX. The letter stated that if this information is not received by XX/XX/XXXX, BofA will close the case. 
BofA failed to give me reasonable time to respond, and refused to review my case. 

BofA received a response from XXXX stating that customer picked the merchandise & also acknowledge the sale by signing on the POD. and the Merchandise is in Customer possession Customer need to return or exchange the Merchandise in order to get resolve the issue. We can not accept this charge-back until Merchandise was in Customers possession. 
This statement by XXXX is FALSE, however BofA did not address this even after I pointed it out. As supporting documentation to BofA CC services XXXX sent a document title PODSheet ( see attached ). It states that Orig. Deliver as XXXX to an address in Texas to a Company : XXXX XXXX , delivered a YEAR BEFORE ( XXXX ) I purchase the items. This is obvious NOT me. 

BofA has ignored FALSE information provided by XXXX, and instead provide virtually no time for me to respond. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-17
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. (MD)

Despite repeated attempts to correct this, Transunion continues to show incorrect information on my credit report for the XXXX account XXXX The Date Opened is incorrect ( not consistent with the other CRAs ). 

The Number of Months is incorrect ( inconsistent with the other CRAs. ) The Date Last Reported is incorrect ( inconsistent with the other CRAs. ) The Date Last Active is incorrect ( different from the other CRAs. ) The Date of Last Payment is incorrect ( inconsistent with the other CRAs. )
Consumer complaint received 2022-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They say I opened an account in XXXX. Portfolio Recovery trying to collect a debt that wasn't open by me as I have a open account with XXXX XXXX now and they see that I didn't open this account that's why they allowed me to open an account with them currently. This isn't my account and I asked for solid proof such as a picture identification not a print out of purchases as anyone can do that. That doesn't say that I opened the account as fraud take place daily .You can't buy a closed account for pennies and seek payments from me I didn't open this account
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 2018-08-21
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. (NY)

When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
XXXX XXXX XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

This collection agency, National Credit Adjusters, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " XXXX XXXX '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i am victim of creditors and attorneys, due to sudden XXXX of my husband Mr XXXX XXXX with XXXX XXXX, i end up with XXXX XXXX so my family went into disaster of life. 
i defoulted into late payments for mortgage, we owed bank very small amount of money compare to loan we took, i payed them regularly until husband XXXX.i got sick, bank forclosed and auctioned the house, i begged and pleaded the forclosure attorney to give me three days to get money out of my 401 k to pay off remaining loan balance they told me someone will contact me next day, no one called me back when i called them next day they would not take my call, later following day for closure attorney said your house is allready auctioned you have to get out of the house.bank used up 18 yrs of equity i had in the house,18 yrs of payments,XXXX dollar down payments from saving, all went away. 
now i cant have any decent home for my family, i am thrown into creditors and credit repairs and collection agencies, this is the dream of american family, we buy houses we pay mortgages when hard time come or husband XXXX, then family get thrown out and loose everything, except loosing bad credit, bad credit is labelled on me now, after loosing everything ... ..
Consumer complaint received 2018-08-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC (CO)

The company " XXXX XXXX XXXX '' keeps sending us junk mail about VA refinances. The problem I have with them is the " Final Notice '' portion that appears on the envelope through through the transparent section next to our address. This deceives into thinking it might be a late bill, jury duty, etc. Fortunately I am aware of deceptive tactics like this but others may be fooled. Please make them stop using deceptive tactics like this.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
Consumer complaint received 2018-08-22
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pacific Union Financial, LLC (PA)

On Tuesday XX/XX/2018 I was sitting at my desk at work. I received a call on my cell phone at XXXX, no message left. Then my work line received a phone call. I picked it up an hung it up because, I advised Pacific Union Financial the only number to contact me is XXXX and my work line is a recorded line. He then in turned called back again. I work in a call center, I can't pick up the phone. While I understand that I am behind. I find this harassing. I had to place my caller on hold. I picked up the phone and advised him that he isn't authorized to call this number and hung up, because I was at work. He then called my cell number again and left a message. I understand that I owe a debt and I am behind. but this behavior is excessive and harassing. I reached out at lunch time to contact the mortgage company and advised them that I was filing a complaint with the CFPB. The representative that contacted me was XXXX,
Consumer complaint received 2023-03-17
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. 
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 Account # XXXX, Account name : 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 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IN)

I have XXXX citi credit card and I have only applied for XXXX citi credit card which is the XXXX that I got approved for a while back ( citi Costco anywhere visa credit card ). I called citi. They hung up on me twice when I tried to explain my situation the best I could to get all those applications removed permanently from their system besides the one I got approved for. Like I stated I have only applied once and got approved. They stated that there are numerous applications on my account, even thought I specifically told them I only applied once in my entire life and that was before they hung up on me and before I could explain my situation further.
Consumer complaint received 2022-07-08
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
2FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
3 FDCPA Section 807 Violation Misleading False Reporting XXXX  SC Account Number : XXXX Please remove it from my credit report. 
4FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
6 FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
7 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.