davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (OH)

In XXXX I started a search to re-finance my mortgage so that I could lower my rate, lower my payment and take advantage of some of the benefits that come along with that such as skipping payments, receiving escrow money back from the current mortgage and so on. Anyway, on or around the XXXX of XXXX I started speaking with Freedom Mortgage, the process at first moved smoothly and around the XXXX I was told that my file was moved to underwriting. At this point I felt comfortable and secure in Freedom Mortgage and I was set to close on XXXX/XXXX/2016, and I did. Then on XXXX/XXXX/2016 almost a week after closing I received a call stating that they would have to recall the loan due to the payoff amount differing from what they had to what was received from my current mortgage holder. I complied right away and it was taken care of in a matter of minutes on my end. At this point I was freaking out because I had already planned/spent the mortgage money that I would have used to pay XXXX payment but because as I stated above I was comfortable and confident so I thought that everything would work out. 
Since this point however everything that could go wrong has gone wrong and getting responses back from anyone has been nothing short of horrible. I was set to close on numerous occasions and something always happened. A lot of the benefits that I spoke about above I am now going to miss out on due to the timing and because of things that were outside of my control and things that should have been done/fixed before we got to here. I have also asked that someone tell me the " numbers '' and explain to me how or what they can do so that I can still enjoy some of the benefits that a re-finance should offer and if everything was done properly from the beginning would have been offered. Finally, on XXXX/XXXX/2016 I closed on my loan at my house with a notary that did not explain anything and just ask me to sign the documents and I did because it was my last opportunity to get it done on time, once completed he advised me that because he was running late he did not have a copy of any of the documents for me and that he would get them to me. That night I emailed two of the contacts at Freedom Mortgage and let them know that I completed the signatures and ask that someone call me to cover the documents since the notary did n't have answers or a copy to leave for me. Since that time I have not heard back from anyone at Freedom Mortgage and now the loan has funded. I feel that due to certain circumstances out of my control I was taken advantage of due to an early error on their end. I also feel that anyone that handles mortgages should be up front and very direct about the process and numbers given the amount of money that a mortgage entails. This process once the loan had to be redone has been very unfair and deceptive on behalf of Freedom Mortgage and to this date I still have not heard back from them.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

I own a house with Wells Fargo for XXXX years I have a hardship my house got burned down a year ago. and they refuse to help me and went with the process of forclosure and set the sale Date for XXXX XXXX.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened a Cash Rewards credit card with Bank of America in XXXX in XX/XX/XXXX. I was told by both the brochure and the onsite staffer that the card offers a {$100.00} bonus as long as my spending exceeds {$500.00} during the first 90 days. However, even though my total ( as well as individual ) purchases for the first XXXX months exceed {$500.00} ( {$1000.00}, {$680.00}, and {$570.00} respectively ), I have received no bonus up to now. I called XXXX on XX/XX/XXXX to inquire about the incident, but the customer support failed to provide an adequate explanation, saying only that the incident was too dated and that I should have called earlier. I requested to speak with her manager, but was told her supervisor was unavailable. She promised to take note of my request and call back, but I have received none up now.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.
Consumer complaint received 2024-10-13
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. (TN)

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX for the account opened XXXX XXXX, XXXX with account number XXXX, XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX XXXX  for the account opened XX/XX/XXXX with account number XXXX  Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX  {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds to the XXXX number, I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, I ultimately paid the {$900.00} via XXXX at XXXX on XX/XX/2020. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I never received the keys. I requested my deposit back, but I haven't heard from him. 

On XX/XX/XXXX XXXX, I called Chase and XXXX. Both refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to file for a civil matter. Can you please help trace the funds at Chase and XXXX so I can recuperate the money back? I can provide all transaction details. Chase 's claims department is XXXX.
Consumer complaint received 2021-04-30
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. (CA)

Per the attached log of disputes, I have twice tried to correct an incorrect address in Equifax 's records of my personal information. Despite being the victim of identity theft ( due to EQUIFAX themselves, of course ), they have cavalierly and recklessly ignored my requests to remove " XXXX, PA '' as a previous address. They know it is not a previous addressthat is where one of the identity theft frauds originated. 

I have attempted, a third time, this week to make this correction ( dispute ) over the phone with an Equifax employee. I have never received an acknowledgement of the findings or resolution or non-resolution of my previous disputes about this issue. Nothing. If it were not listed on their website, I would not have known. 

So many violations of the FCRA it makes my head spin. Of course, this error has probably now spread to the other two credit bureaus, so I will have to file disputes all over again with them again, and again, and again. 

I am beyond furious that they enabled the theft of my identity and I got no compensation except free credit monitoring, because, of course, my time and well-being are worthless. That is a rant, not germane to this complaint!
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

Im so tired of going back and forth. Someone is garnishing my social security. the notice said the funds are going to navient. I have XXXX loans that are defaulted. They are not with XXXX. I logged into the website and I see XXXX with XXXX, yet my garnishment states its going to navient. XXXX said they re not garnishing my check but someone is. Well navient called me XX/XX/XXXX to tell me I was 21 days past due and owed XXXX payment for my total loan of XXXX. I called them 2 months ago and left messages and I also applied for IBR over 30 days ago. She said my loan was 21 days past due and how did I want to make that payment. And then guess what after 14 years of deferement and forbearance just when I thought that was over they offered it to me again and never discussed my IBR application which I sent all the info in and have not heard anything. I am sure they could care less about helping me now after 14 years as they are getting my social security. so now I am in deferrment again and i am trying to get it all figured out and then they offer no help at all. they did not even have record of my IBR application that I got an email stating they had received. LOL
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have requested the account be removed or updated with closed numerous times by mail and phone. The creditor bureau replies by sending a form letter stating the account has been verified which I know not to be true. I have asked for proof of verification and I do not receive any. The account is a CLOSED account reporting as OPEN.
Consumer complaint received 2017-04-12
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I contacted XXXX XXXX at Bank of America to apply for a Home Equity Line of Credit. I currently have a Home Equity Line of Credit with Bank of America for $ XXXX. The draw period expires XX/XX/XXXX. The available credit on the line is $ XXXX. XXXX told me my rate would be prime plus .XXXX and my house should appraise around $ XXXX, so I could receive 70 % of the home value. 
A couple of weeks later, I was contacted by XXXX XXXX. Issue 1 : XXXX stated my rate would be prime plus .230 % and could not provide any explanation for the difference in rate. Issue 2 : XXXX stated my house appraised at $ XXXX. I was later told by XXXX XXXX my home appraised at $ XXXX. During my last conversation with XXXX, I was told that she needed more information on the current lien against the property of $ XXXX. I provided her with the information to contact the XXXX XXXX XXXX, XXXX XXXX, and directly asked her if this was going to be an issue and if I needed to pay the lien off so we could proceed. She stated she needed to talk to the lien holder first and she would call me back. Issue 3 : This lien has been on my home since XX/XX/XXXX. This lien was on the home when I was approved for the initial LOC approximately nine years ago. Issue 4 : XXXX never returned my phone call. Instead On XX/XX/XXXX, someone else called to say that my application had been denied. Issue 5 : Per my conversation with XXXX XXXX, XXXX never called him to see if the City of XXXX would take a second position. 
On XX/XX/XXXX, I reached out to XXXX manager XXXX XXXX. XXXX stated that all I needed to do was submit a copy of the recorded lien release and XXXX statement showing where the funds came from to pay off the lien. Per my request, he sent an email stating the same thing. 
On XX/XX/XXXX, I provided both documents to XXXX. Issue 6 : I received a phone call from XXXX stating it is now a requirement that I have a full home walk through. I specifically asked XXXX on XX/XX/XXXX, if there were any additional requirements, he said no. During my call with XXXX on XX/XX/XXXX, I was told that this appraisal was good for 90 days. I specifically asked about this because I did n't want to pay the $ XXXX and not be approved for the loan. During the call on XX/XX/XXXX, XXXX went on to provide the appraisal amount. He also stated the appraisal had been completed and I would be approved for my original amount of $ XXXX because the appraisal came back higher than $ XXXX. I have a copy of the appraisal that was done on my home dated XX/XX/XXXX.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

After telling AES that my address is no longer at XXXX they continue to send all my paper work there with personal information. I thankfully found out about this! But I 've sent them multiple messages stating this is not my address! I am so glad they are willing to just send out personal information out without care. It is negligence!
Consumer complaint received 2024-02-26
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. (NY)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-18
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: Experian Information Solutions Inc. (AL)

A few weeks ago I sent letters to all 2 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-08-10
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. (GA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX XXXX {$610.00}.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX is reporting a account I have asked for everything on this XXXX XXXX  account including my signature be provided to me under section 609 I am entitled to this information or they must delete from my credit reports no information has been sent to me
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX