davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I have been dealing with this for about 4 months now. PHH mortage is prolonging my modification process. I have literally been sent over 6 packages, due to underwriting denying my application saying that my signature is incorrect. I have spent over {$300.00} getting all of these packages notarized. On the latest package sent I literally called the PHH representative who called her supervisor to make sure of how PHH wanted these documents signed. I signed then with the rep on the line and the notery there as well. I signed them verbatim per her the rep and her supervisor instructions. Still underwriting denied them stating that they are not signed correctly. They were due XX/XX/XXXX. Sent in well before that date. I am beyond frustrated.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTIONXXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the  Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2022-07-10
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. (CA)

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 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.

US DEPT ED Account Number : XXXX As a consumer by law this account must be deleted immediately. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed
Consumer complaint received 2022-07-10
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)

the folowing accounts XXXX # XXXX {$1700.00}, XXXX  XXXX # XXXX {$3600.00}, XXXX  # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX  # XXXX {$33000.00}, XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have attempted repeated times to request that this creditor remove me from their account files as they have accounts that were opened in my name due to iden

tity theft and without my knowledge or authorization. I have made every effort to get their assistance and they have refused. These accounts were opened while I was in college. I had no employment and did not live in the city that the accounts were listed as. I never resided at such address. I have provided a copy of the FTC Identity Theft Report to the creditor and the credit reporting agencies. While FCRA Section 605B requires them to remove the account records or block their reporting, they have not done so and are in violation of federal law.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Opened account in 2013. Name on card is using my middle and last name. Attempted x3 to get name corrected, but they never corrected it. However, have been using card since 2013 regularly. 
Suddenly card did not work, so when I called, and was told there may be fraud on account, but can not tell me the charges, nor could I go online anymore to verify my account and charges. I told them I have a credit score of XXXX and want to make sure they do not charge late fees or report my account late if I can not go online, have no statements nor can they verbally verify purchases. Nor did they contact me in any form that there were possible fraud charges. I called them when the card didn't work. They said they had to authenticate me, so I went to a website under their direction, did a video and took a picture of my drivers license, they asked me my date of birth, address and SS # and after all that and 1 hour later, said, oh, we can't verify you, but I could make a payment over the phone. I said make a payment to what?! What are the charges? Still they couldn't tell me the charges. Then they said I could send my drivers license and social security care to a PO box . Geez! Really? I asked for a physical address and was going to send it registered mail receipt requested. I have sent in before my drivers licences but they have not taken care of. Now they have my drivers license and a video but still that was not good enough. Just make a payment to some random charges that may or may not be mine! What difference will it be that I sent my drivers license electronically and then the mail 3 previous times and now a copy of my social security card! They worry about fraud and security but send a copy of my drivers license and social security card through the mail to a PO Box . Now does that make senses? Also, it is illegal to ask for monies for something the consumer is unaware of what the charges are for, this is extortion. They are holding my good credit reputation hostage and pay up or else ...

I want my account unblocked to review the charges, or get a statement of the charges, or verbally be told what the charges are for, then once I verify I will pay for what I am responsible for, pretty simple. But have been on the phone 2 days, recorded calls
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with Capital One. I never had an account with Capital One that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government
Consumer complaint received 2018-10-22
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: CITIBANK, N.A. (OH)

There is a new hard inquiry on my credit report from CitiBank for an automotive loan that I did not initiate. 
I called CitiBank to dispute and was told they do not have an auto loan dept and would not have pulled my credit. They also stated they could not tell me who did because I do not have an account with them.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

Chase XXXX XXXX XXXX Visa customer representative supervisor XXXX from XXXX XXXX, Texas, said on XXXX XXXX, 2017 that the original XXXX bonus offer for spending $ XXXX in 3-months I was promised when applying for the card was a " misprint '' and that the URL on the original offer went to the " wrong '' webpage. <P/>When I called to inquire about this situation, a customer service representative said the company receives " a lot of calls '' about this type of problem and that " no one at the company can help me. '' He kept me on the line for an extra 30 mins. after I asked that the call be escalated to a supervisor who could help me. When I was finally transferred to supervisor XXXX after 45 mins., he provided contradictory information from the original representative. XXXX also said that there is " no greater authority '' than him at the company to help me, except " maybe '' the " correspondence department. '' Was informed that the card was activated without my knowledge in XXXX. 2017, even though I received contradictory information when I called the credit card company on XXXX XXXX, 2017 to actually activate the card and confirm the promotional offer. ( I received my first credit card statement several weeks later with indicated activity beginning on XXXX XXXX, 2017, the day after I called to activate the card. ) Between XX/XX/XXXX,  when I first talked to the credit card company to activate the card, and XX/XX/XXXX,  statements show that more than $ XXXX was spent on the card, surpassing the understood $ XXXX over 3-months offer to receive XXXX XXXX XXXX XXXX miles, but I did n't receive the miles. ( During this period all billing statements were paid promptly and in good faith to the original offer. ) At every touch point with XXXX credit card services for the XXXX XXXX XXXX card -- from application, to activation, to payment and follow-up -- I received either misinformation or contradictory and misleading information. I also had to speak to multiple people, only to be told at every corner that there was " nothing that could be done '' to receive the benefits of the original offer and that " no one at company '' could help me. <P/>In sum, I would simply like to receive the original benefits promised, otherwise noting that the customer experience at Chase credit card services is designed to mislead customers. <P/>Chase 's XXXX XXXX XXXX card 's annual membership fee is {$450.00}, but it falls far short of the standards of my XXXX XXXX XXXX XXXX card services, which has the same annual membership fee.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OK)

After 13 years of good standing with Bank of Oklahoma, they sold my mortgage after signing me up for " 3 months deferment with no fees to be tracked to the end of my loan due to COVID ''. 
Before that 3 months was up, they sold my loan to Freedom Mortgage. This was 2 years ago. Freedom Mortgage has yet to send me a bill with a monthly payment and due date. I call them at least once a month every single month. After 2 years they FINALLY sent me a packet and I signed and had it notarized and sent it back within the deadline given. To this day they still say they didn't get it even when provided with who signed for it and when, as well as the tracking number. Their negligence has caused them to add an additional 10 years to my mortgage. Today I get a package asking me if I want to save my home and asking for financial documents they got long ago and more than once.
Consumer complaint received 2022-03-11
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. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-19
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. (OH)

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 : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX5 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 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

In early XXXX of 2021 I started applying for a mortgage with Webster bank and specifically a XXXX XXXX, an underwriter. It was explained to me that commercial realestate can take 2-3 months to close especially because of how busy appraisers are. Initially I gave a {$3000.00} check to Webster for the appraiser. Later the appraiser would only be {$1300.00} but the remainder of the {$3000.00} deposit I gave would go towards additional fees. I was also reassured my rate was locked and provided only one commitment showing a mortgage rate of XXXX from Webster. After the closing I contact the underwriter stating I was due a credit of more than {$500.00} after their fees and appraiser. The underwriter then credited me the remainder. I received my first mortgage payment and noticed the amount was higher than what was discussed. The underwriter stated to me that a page I signed would allow Webster to change the rate upto 5 days before the closing. I was lied to verbally and I did not get anything from Webster showing a rate change even days before I closed on the property.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

Apple Credit Card XXXX GS Bank USA refused to issue me a credit increase of {$1000.00}. So I asked for the minimum of {$200.00} increase in credit so I could buy a apple computer. These people say I am caring a a balance on my credit card. I have not. All the credit card transactions get paid normally XXXXen days or less after they clear the credit card company. These people also claimed they checked my credit history they did not. It never showed up on XXXX. I also explained to these people how much is in my bank account, what my credit score is of XXXX depends on which credit bureau you use. How I am also never late on a payment. How I pay my bills and my income level. Yet these people denied me credit to buy a computer from Apple Store. I also told them I how I was going to pay it off as well. I only been using the card to buy food because of the cash back feature. These people never properly looked over my credit history. They are being XXXX in there giving of credit because I am not a women of XXXX or a XXXX XXXX. Who they would give a credit increase in a heart beat. These people are biased against someone who makes a good living, who has money in the bank and never been late on a payment. My house is paid almost half way off as well. I am not a risk to give credit to for XXXX or less at the minimum XXXX more.
Consumer complaint received 2022-07-10
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. (VA)

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  Account, 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.