davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (KS)

Me and my partner had accepted an offer a person buying our house on XX/XX/XXXX or placed it under contract. During. The process my partner sent the title company and our realtor my wrong email and phone number which was the beginning of the problems. I got my info corrected but when I was in the process I was constantly left out of communication. On XX/XX/XXXX we went to sign closing documents even though the closing date was the XXXX which I enquired about and I was told it was normal. The XXXX  documents I saw after the closing date where we signed paper work had been altered. I had requested my name to be put in as the seller of the house when my name was listed as an andendum section. 
I did not want to sign the documents but somehow still got the Check in the end. 
It may seem weird that Im reporting when I got a check but something here is off. I had to turn on my location services for docusign but then when I looked at the reporting it said my phone never had location services on but my partners did, which was a change from previously. The dates did not match on docusign they said he had signed a month earlier basically. 

So the big problem is all the changes I requested in Person when signing were not reflected on the docusign disclosures I received after the fact and did not sign. But still got paid???
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (AZ)

On XX/XX/XXXX i received an alert from my XXXX  app. Leting me know i had a change t ok my credit bureau report. I reviewed the change showed common wealth financial for a negative balance of {$1300.00}. I XXXX company called spoke with a collection representative told me was for an emergency room visit at a hospital i never been to. She told me the account was received on XX/XX/XXXX but the initial collection notice was not mailed out until XX/XX/XXXX to an address i have never lived at. Then The account was placed on my cbr on XX/XX/XXXX which was in violation of the 30 day validation period. I then spoke witha supervisor updated address and requested all supporting documents for this debit requested account be moved to dispute status and put in compliance department for fdcpa violation of 30 day validation period and repoting on my cbr
Consumer complaint received 2019-11-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwest Credit Systems, L.P. (NJ)

I called and they threatened to arrest me and also curse at me ... they also said that if I dont pay up that police going to arrest me and hold a collection charge on me.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (FL)

Kay Jewelers HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$940.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

As an XXXX woman, I was deeply frustrated by the XXXX discrimination that I encountered with the underwriting team at Wells Fargo. On XX/XX/2022, I applied for a mortgage with Wells Fargo. After checking the credit scores, income and assets of both me and my husband, my loan agent XXXX XXXX locked my rate at 3.375 %. XXXX consulted with his manager XXXX XXXX and confirmed that they'll use my husband 's credits for the loan ( my credit is XXXX and my husband is XXXX ) because he is the primary earner. On XX/XX/XXXX, XXXX told me that the underwriter refused to honor the locked rate and increase our rate to 3.75 %. After continuous fighting with the underwriter and after I deposited $ XXXX fund to Wells Fargo, they revised my rates to 3.5 %, which is still higher than the rates that I locked. I was told by XXXX that the underwriter didn't want to approve my loan because rates have gone up so fast that " nobody wants to lose money ''. 

I was contingently approved by Wells Fargo on XX/XX/2022. They asked me to provide sourcing information of XXXX foreign transfers despite of the fact that I don't need the XXXX foreign transfers for down payment. In order to close on time, I provided them with gift letters and bank statements of the foreign accounts despite of the fact the foreign transfers are not part of the transaction. The underwriter wrote in an email that " with funds from XXXX, there is the additional concern of structuring to circumvent international law ''. The accusation with no proof is deeply troubling. The underwriters kept questioning my parents bank statements even though they've received gift letters and 2 month of statements from my parents. Ive confirmed with them multiple times that that I dont need the foreign transfers for the down payment and the fact that I have {$250000.00} with Wells Fargo that can be used for down payment but is not needed. 

My loan agent told me that with our income, credits and down payment, we wont have a problem getting a loan from any other bank other than Wells Fargo. He suggested me to move on to other banks and agreed that the underwriting team is unreasonable with me. With the rising interest rate environment, the 30-year interest rate is north of 5 % instead of 3.75 % that I locked one month ago. In addition to the financial loss, as a new mom, Im emotionally XXXX as a result of the process. My loan agent knew that I was offered better rates by XXXX and XXXX  XXXX XXXX when I shopped rates in early XXXX. I chose Wells Fargo as my lender due to the trust I placed with the bank. However, Wells Fargo failed me because they evaluate loans based on race and sex instead of based on personal qualifications of credit and income.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (HI)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2021-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on this date XXXX the following credit bureaus have not responded to my investigation it is now over 45 days later. I demand that they investigate and remove all inaccurate and erroneous items from my credit report immediately.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (WI)

I have a credit been trying since XX/XX/XXXX of XX/XX/XXXX to have access to my credit card statements to pay my bill and continue to not receive them nor have they put them back on my bank account as I have asked them to do. This has caused me to pay thousands of dollars in interest and I feel that I should not have had to pay that and at this point I am looking to hire a lawyer to get this handled due to the hardship this has caused. 

I had the business credit card linked to my account so that I could pay the card, I fell behind on my payments and in XX/XX/XXXX of XX/XX/XXXX they took it off of XXXX XXXX website so I could no longer see what I owed. I went to the bank in XX/XX/XXXX and was advised I would have to call and discuss directly with XXXX XXXX XXXX. On XX/XX/XXXX I spoke with them and was told I had to make a payment ( which I did to bring my account current ). They then advised me they would put it back on the website so I could keep current. ( for reference all conversations were recorded by them ). They did not put it back on and I did not get any statements in the mail either. On XX/XX/XXXX I called again trying to get it put back on so I could pay my bills - again I was told I had to pay to bring my account up to date ( I did again ) I was assured that It would be placed back on my XXXX XXXX account to see the statements for payment. This did not happen again - same scenario on XX/XX/XXXX - XX/XX/XXXX which I was absolutely assured it would be. I called again in XX/XX/XXXX and they pulled up the phone calls and said oh yes it was supposed to be back on within two days from the call on XX/XX/XXXX but oh wait we need to now send you paperwork for you to fill out so it can go back on. I received the paperwork this morning. This has caused my credit rating to go down considerably, as well as cost me thousands of dollars in Interest. I would like them to repay the interest as well as fix my credit rating. I really tried to stay on top of this but how do you pay a bill if you don't have anything to pay against?? As far as I am concerned they can close the card and EAT the monies owed them. 

Help - please. 

Thank you
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK FUNDING, L.P. (TX)

I am the buyer of XXXX XXXX XXXX in XXXX XXXX. My wife and I signed a contract with Colina homes back in XX/XX/2021 before building started in the subdivision. The builder force us to use their in house lender Colina Mortgage for the loan. We accepted to use Colina Mortgage because we want the transaction smooth and trouble free. 

We started working with XXXX the loan officer and manager of Colina Mortgage back in XXXX, and everything goes well, On XX/XX/XXXX, Colina Mortgage confirmed that underwriter had approved the loan. The closing date was set for XX/XX/XXXX. On Thursday XX/XX/XXXX around XXXX, I received a call from XXXX the mortgage manager indicated that their clericalerror woulddelay closing and on Friday XX/XX/XXXX afternoon was notified by email closing might be on Monday, and any extension fee covered by Colina XXXX On Monday afternoon, XX/XX/XXXX, instead of closing, the loan officer notified me in the afternoon that theloan was rejected and the contract will be canceled. She said she offered other solutions to the Biulder to correct loan but need to extend closing dates, the build simply refused and intend to terminate contract due to their in house loan companys mistake caught right before the close. 

We offered to pay cash instead but I was denied too. We have requested the written explanation from Colina Mortgage why our loan get declined at the last minute without any previous notice, but no response so far. 

If the Loan can not be closed on time due to Builders own mortgage companys mistake at last minute, how can builder not accept cash close and not even apologize to us for their delay? Instead, all they tried to do is to cancel the contract.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I have over 5 different accounts that I transferred with NFCU.Navy Federal credit union continues to leave a balance on all of them. I have contacted them repeatedly. In XXXX of 2019 my credit score was XXXX because of the balances on these closed cards my credit score is now XXXX. There is also a loan that was paid and still showing open. All these need to be at a XX/XX/XXXXbalance.
Consumer complaint received 2022-05-04
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (GA)

On XX/XX/2022 there was an issue that occurred with XXXX XXXX  that I was not aware of. I got a letter in the mail on the XXXX of XXXX saying that XXXX XXXX is under investigation. Stating that theyve been issuing loans to XXXX XXXX with hidden fees and interest rates. Break some sort of Act between financial institutions and the military. I was told the hidden fees that I had been charged would be issued in a paper check in the mail box. I have not received this check.
Consumer complaint received 2020-12-14
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: ABSOLUTE FINANCIAL SERVICES, INC (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, Absolute Financial Services ) add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Golden Title Loans LLC (TN)

XXXX XXXX  ( a branch of Golden Title Loans ) located at XXXX XXXX XXXX, XXXX TN XXXX is making harassing phone calls to my job and to my relatives. I asked this company to cease making phone calls to my job and relatives and to make communication only with me. 

The following week after asking this company to cease making phone calls to my job and my relatives, they have begun making harassing phone calls to both of my ex-husbands. Additionally, they are making harassing phone calls to my ex-husband niece regarding my debt. I have had no communication or relationship with these people in years and never gave permission or phone numbers for these people to be contacted. 

I am asking that this company be fined for their bullying and harassing behavior of debt collecting. They have violated my privacy as a consumer, putting other people in my financial affairs without my permission.
Consumer complaint received 2022-06-10
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 acXXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I had to file a Bankruptcy on my home. My deceased mother fell behind on the property taxes and the only alternative I had was to sell the home. Whatever was owed at the time of the closing was paid out. 

I am in the process of buying a home and would like this to be removed if possible. 

Sincerely, XXXX XXXX Phone : XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX, 2023 Dear sir or madam, I requested assistance from your agency and submitted a formal complaint disputing inaccurate information on my consumer credit reports with Experian reporting agency on XXXX XXXX XXXX 
As per the FCRA, Experian is required to conduct an reasonable and fair investigation and provide evidence that I requested before the end of 30 days, or an additional 15 days to reinvestagate. 
I reported errors to be corrected and removed from my personal information. As well, I contacted Experian 's fraud department and reported fraudulent activity that violated my consumer privacy. 
Experian, determined my disputes as irrelevant and willfully failed to conduct a reasonable and impartial investigation. Willfully refused to provide the evidence and documentation of the investigation. ( I requested verifiable documents for evidence. The names of representatives they contacted, the lenders or companies that provided the information to be accurate. Original applications, " XXXX XXXX '' signed and authorized mulitple requests submitted to the same institutions for various loans or lines of credit that is reported verified. ) Nevertheless, as per the FCRA the time they had to do an investigation/reinvestagation is now over which violated my consumer rights. Correct my personal information, remove old accounts past 7 years and older, and the mulitple/duplicate hard inquires be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your attention in this matter. 
I will govern myself according, XXXX XXXX XXXX a side note : The customer service Experian XXXX department is providing is unacceptable. ( I believe many businesses fail to remember without their customers they will not be in business, or they will lose their business and credit worthiness. )
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was recently married and my mother wrote a check to us as a gift, which I tried to deposit. My bank held onto this deposit for more than a week, took her funds, and then refused to release the funds to me. Their solution to the problem was to tell my wife to forge her name onto the check in order to fulfill their endorsement requirements. Meanwhile, they have no plan to release the funds back to any of us.
Consumer complaint received 2022-05-04
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. (MO)

1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2XXXX XXXX XXXX XXXX {$570.00} 3, XXXX XXXX XXXXXXXX XXXX {$560.00} 4, XXXX XXXX XXXXXXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX XXXX 8.XXXX  XXXX ( XXXX ) 9XXXX n accordance with the Fair Credit Reporting act XXXX Accounts 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 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX-REPORTED XXXX Balance : {$140.00} ; XXXX XXXX-REPORTED XXXX Balance : {$62.00} ; XXXX XXXX-REPORTED XXXX Balance : {$14.00} ; XXXX XXXXREPORTED XXXX Balance : {$100.00} ; XXXX XXXXREPORTED XXXX Balance : {$5.00} ; XXXX XXXXREPORTED XXXX Balance : {$100.00} ; XXXX XXXXREPORTED XXXX Balance : {$22.00} ; XXXX XXXX-REPORTED XXXX Balance : {$130.00} ; XXXX XXXXREPORTED XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$95.00} ; 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 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Recently, I was denied an extension of credit by Penn Federal Credit Union on XX/XX/2022. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Penn Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX,