davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AK)

I applied for a cash-out refinance mortgage with Quicken Loans on XX/XX/18. The loan officer,  XXXX ( cell phone ( XXXX ) XXXX ), urged me to commit to the loan in order to lock that day 's rate of 4.56 % with no points ( " par '' ) on a 30-year fixed. I told her I wasn't sure I wanted a 30-year, and needed to think it over because a 15-year might work better for me, since the rate would be so much lower ( there was a greater than 1 point spread between the two terms at that point ). She told me ( and she has an easily accessible recording of it ), " we are locking the whole market, as of today, '' meaning that, if later in the process I wanted to change to a 15-year term, it would not be a problem. I asked what the 15-year equivalent to 4.56 % would be as of that day, and she said " 3.375 %. '' Yesterday, when I let her know that I did, in fact, want a 15-year term, she said the rate for 15 years would actually be 4.475 % -- almost identical to the 30-year term -- so " it wouldn't make a lot of sense ''! She said that it would be theoretically possible to get the 3.375 % she had quote me at the time I paid the application fee and locked the rates -- but that I would have to pay {$10000.00} in points to get it!! I was irritated, so she put me on the phone with her director, XXXX, who, like her, refused point blank to say how it could be possible that a 30-year and a 15-year term would have the same rate. XXXX just kept changing the subject to " how much the market has changed in the last month '' -- which SHOULD have been irrelevant since according the the recorded conversation with XXXX we had " locked the whole market '' a month previously. It seems clear that it was a bait-and-switch operation where she TOLD me she was also locking in the rate for a 15-year term in order to get me to commit to a 30-year, but didn't actually do so. Then, when I asked to switch, they just quoted me the new rate for a 15-year, which had gone up a full point in the intervening month. But they wouldn't admit this, just kept evading the question.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A XXXX XXXX, XXXX, et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A XXXX XXXX, XXXX, et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-XXXX XXXXXXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When XXXX XXXX accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to XXXX XXXX from the trust. If XXXX XXXX does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ). 
-If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im asking if you guys can reopen my XXXX  or send me my new one my XXXX   money is in their its been more than 3 months thats been closed but still certify my benefits or can I transfer my money to my personal account
Consumer complaint received 2022-05-06
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: Santander Consumer USA Holdings Inc. (GA)

- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A CHRYSLER CAPITAL, Inc., et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A CHRYSLER CAPITAL, Inc., et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived -CHRYSLER CAPITAL is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-CHRYSLER CAPITAL is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Chrysler Capital is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When CHRYSLER CAPITAL accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to CHRYSLER CAPITAL from the trust. If CHRYSLER CAPITAL does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ).

-If CHRYSLER CAPITAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make CHRYSLER CAPITAL criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I have 2 inquiries on credit report made by XXXX  XXXX on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.
Consumer complaint received 2022-12-14
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)

This is my fourth 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. 



XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$8500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-27
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. (IL)

I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

Ally Financial is reporting a 30 day late payment for XX/XX/2018. I mailed this payment within the allowed payment period but, apparently, Ally Financial never received it. I never received notification of the late payment directly from Ally Financial, however, my credit monitoring service did send me an alert that a 30 day late had been reported to this account. I immediately confirmed with my bank that Ally had never cashed the check and contacted Ally Financial. They informed me that they had not received the payment, so I immediately ( while on the phone with them ) submitted the payment online. The agent I spoke with agreed that, given the circumstances, they would reverse the 30 day late and contact the credit reporting agencies to remove the late payment and correct the payment status. They also stated that they would send me a letter confirming their agreement to remove the 30 day late from my credit reports, however, I have never received this letter. I have contacted Ally Financial at least 6 times by phone concerning this matter. Each time, they verbally confirmed that they would remove the 30 day late but gave me conflicting information as to whether they had already contacted the reporting agencies. Again, I have yet the receive the letter they have promised multiple times.
Consumer complaint received 2020-11-10
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: CITIBANK, N.A. (KY)

XXXX cancelled travel plans XXXX XXXX. They have received a refund from service providers for my cancelled trip. Failing to pass the refund along to me, instead apparently retaining the refund for their own benefit. Citibank contacted the merchants bank and was told I was refunded {$2900.00}. The full amount owed to me is $ XXXX have received XXXX dollars refunded, no credits or vouchers.The trip was paid in full XX/XX/2019. Citibank advised a letter was sent to me that I did not repsond to by XXXX XXXX. Therefore, Citibank is no longer able to dispute the charge. This is unfair and deceptive conduct. I received no letter or email. I paid for a service that was not provided/merchant unable to provide a service/services not rendered. I would not continue to be disputing if I received a refund. Citibank needs to stand up for there customer.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.
Consumer complaint received 2022-05-06
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. (GA)

- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX , a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A XXXX XXXX, XXXX, et al, etc- The XXXX XXXX listed D/B/A XXXX XXXX, XXXX, et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When XXXX XXXX accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to XXXX XXXX from the trust. If XXXX XXXX does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ). 
-If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Consumer complaint received 2021-11-06
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. (TX)

I have a lot of inquiries on my credit report that I did not authorize at all. I have disputed these items as identity theft and they will not remove. I also have identity theft on my credit meaning if any one apply for credit they will first toake sure it's me. And nobody has called at all. So I called TransUnion to ask why they are not calling I was told that are not required to do so. But it clearly says they are suppose to call and make sure it's you applying for any credit I would like for all this to be removed. What's the purpose of having credit alert
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (GA)

- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -XXXX XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A XXXX XXXX, XXXX, et al, etc- The XXXX XXXX listed D/B/A XXXX XXXX, XXXX, et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-XXXX  XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When XXXX XXXX accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to XXXX XXXX from the trust. If XXXX XXXX does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ).

-If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-06
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.