davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
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: JPMORGAN CHASE & CO. (CO)

Several times a year I get notified by Chase that they can't access my credit report to authorize my XXXX XXXX XXXX because my reporting agency is frozen. It is frozen because they tried to issue a fraudulent card in the past. I can't get them to quit accepting applications in my name. I will never do business with Chase resulting from this issue, ever! 

They keep telling me they can only send me those notices because they would be preventing anyone else with my name from applying. I'm the only one in XXXX CO.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

We obtained our first mortgage from Citi mortgage in XX/XX/XXXX at the start of the mortgage crisis. We pay XXXX for our home. We were fine until XX/XX/XXXX when I was laid off from my XXXX  job. Our house hold income decreased by 60 %. We were not able to keep up with any of our financial obligations. I collected unemployment from New York State. We could buy food and pay our utilities. I reached out to Citi mortgage for assistants and was not provided with any help. I applied for several modifications which did not help because we could only afford about {$500.00} per month. Our mortgage payment was {$2800.00}. Citi asked us to send documents upon documents every month. We were told that our documents had expired and that we needed to resubmit all documents. This happened 3 separate times. We were given the runaround. Citi mortgage was unable to help. In XX/XX/XXXX when attempting to reach out to Citi mortgage to try to modify the mortgage again, I was told that All bad debts were sold off and Citi was no longer servicing my mortgage. I had no idea what this meant. Three weeks later we received a Welcome packet from XXXX. at this point we owed more on our mortgage then the house was worth. The transfer caused a delay in the modification process but pre-foreclosure notices and repeated phone calls continued to be received daily. The ideas of losing our home and not having any place to live was extremely upsetting and XXXX XXXX. I became ill and was unable to look for work due to XXXX XXXX and XXXX. This added to the XXXX of finding a job. The house is currently worth XXXX and we owe more than XXXX. We filed for bankruptcy in XX/XX/XXXX and we still have a lien on the house. My health is still affected by this ordeal and I continue to take medication for XXXX and XXXX.
Consumer complaint received 2020-11-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC (AZ)

Kb homes issued a pre-qualified that tied me up for months on a home they couldn't close now is priced XXXX higher than before. Now all homes are priced higher as a result of there negligence and I took a big lost.. they should have been honest from the start about the inability to close the deal they had very poor communication and I did everything in my part to make it possible. They kept telling me that the loan was okay and everything was fine to in the end canceling purchase.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2020-08-19
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. (GA)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report 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 2019-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2019, I opened a new checking account with Fifth Third Bank. 

On XX/XX/2019, I tried to add an external account ( in my wife 's name ) online so that I can fund the newly opened checking account. 

On XX/XX/2019, the external account was sucessfully verified ( Fifth Third Bank made two small deposit and asked me to verify the amount, to make sure I have access to that external account ). Then I initiated a transfer of {$1400.00} from that external account ( XXXX  XXXX XXXX ) to the Fifth Third checking account. 

On XX/XX/2019, I was notified by email that the transfer did not complete, and my checking account was suspended for money transfer temporarily. It asked me to contact Customer Service at XXXX to resolve the issue. 

I immediately realized that I should not have tried to transfer money from an external account that was under my wife 's name to the Fifth Third checking account under my own name. I truly understand that some bank has such policy for security purpose. 

Then I called the number, but the associate insisted he did not see anything wrong with my account. After escalating the issue, he confirmed my guess that it was because the external account I tried to transfer money from was in a different name than mine. But he ensured me that the issue was resolved and I should be able to use it after a few minutes, log out and then log in again. 

It never worked. After a few days I still could not use the money transfer service. So I called the customer service again. This time was even worse, because the associate had no idea what was going on. I explained that because of my mistake, my transfer was suspended and asked her to help reinstate it. Again she insisted that there was nothing wrong with my account, and she kept asking me to change web browser, and clear cache and cookies. I did what she told me to, and of course it did not help. Then she escalated again, and when she was back, she told me that a new account less than 30 days old does not have the online money transfer function. And if I wanted to fund that account, I would have to go to a branch to deposit a check or cash! I was totally unsatisifed with the answer, because that was not right! She did not know what was wrong and she did not know how to solve it.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 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 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 2023-01-30
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)

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 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 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 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

On XX/XX/XXXX, I spoke to a rep named XXXX about a double payment of {$350.00} taken for my car loan on XX/XX/XXXX, had her check that there weren't any more payments since they weren't on my portal, and she said I only had XXXX for XX/XX/XXXX and XX/XX/XXXX, and refunded the extra payment. On XX/XX/XXXX, a double payment of {$350.00} was withdrawn again. I spoke to XXXX again, who told me I had to wait until XX/XX/XXXX to submit the request, and an additional XXXX business days to receive the funds. I asked why she told me I had no more duplicates, but a second still withdrew. She told me " The payments received on XX/XX/XXXX were scheduled on XX/XX/XXXX and XX/XX/XXXX. We apologize for the information previously provided. We do not show a future dated payment for XXXX. '' and told me to set up autopay. I told her I needed the issue fixed first and asked her where my XXXX payment went. I was transferred to XXXX who told me that scheduling payments can confuse the system and she didn't see any more set up, so if there was a duplicate, the system canceled it. I said " So, just to confirm, the XX/XX/XXXX payment I scheduled a couple of months ago, that XXXX told me was still scheduled when we spoke on XX/XX/XXXX would have been automatically canceled by the system as a mistake since I was not the XXXX to cancel it? '' She said " Our system would have notated the attempt to duplicate the payment at the time. Thus, causing the cancellation, yes. This is correct. I show no pending, future-dated, or pre-scheduled payments on our end for your account. ". So I set up autopay. On XX/XX/XXXX, XXXX payments were taken again. I spoke to XXXX, who told me I had payments scheduled for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I told her about the previous conversations and that I couldn't afford to wait for the refund again. She apologized and said I have XXXX more payments for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, and offered to cancel those and report the previous conversations, but said that they still require payments to be posted for 4 days before a reversal can be submitted and can not expedite it.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX District of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In response to your response on complaint # XXXX. 

Please see the attached your response and my first complaint. You stat in your response that you sent me " NOTICE OF OUR PLAN TO SELL PROPERTY '' the date titled on your letter says XX/XX/2021. I am requesting tracking on that letter, to verify you have sent this letter. Also know they results of all of your answers are being kept as evidence by myself and a consumer law firm. Please be mindful the Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS XXXX Repossession, disposal of pledged property ; excess proceeds state 's " Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. XXXX. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. '' Also please be mindful that you never marked in my credit report status as " being disputed by consumer '' within 30 days. I have files on this as well.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX {$0.00} Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type XXXX  XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for XXXX  months
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Home Loan Services Inc. (SC)

On XX/XX/XXXX, United Home Loans Services Inc. offered a 15 % down payment on an investment home. After a few days of looking around I took the offer on this day. 


On XX/XX/XXXX, United Home Loans Services Inc. smoothly tried to sell me on 20 % down payment. Since the purchase price decreases, I declined the offer. She stated that the lender was no longer offering the offer of 15 % down. We had already sign documents and completed paper work stating the 15 %. 

Bait and switch is my concern.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NM)

I purchased a XXXX XXXX XXXX by Netspend on XX/XX/23 at XXXX for {$500.00} and have been unable to use it because it requires a pin. I've tried to set one online but have been unable to. I've also tried calling Netspend and have been hung up on and another time after holding for over 1 hour, they were playing phone tag with me! At this point I'm pretty tired of trying to figure it out and getting nowhere and would like to either get my money back or easy access to the money I put on the card because I'm pretty XXXX  of struggling! 
Please help me.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I called Transunion to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ).

The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size. 
From a logical point of view, this would push the cost of ( fewer XXXX large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day
Consumer complaint received 2017-08-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (WI)

I was court ordered to get my ex-husband 's name off of the mortgage loan. I had already thought his name was off and had contacted Citimortgage about this. After being redirected to many people, a specialist assured me that my ex-husband 's name was off the mortgage loan. A week later when I received the court order, I contacted Citimortgage again. This time a different person figured out that he was off the deed of the house from when we did a Quick Claim Deed a few years ago, but his name was still on the loan. After trying to refinance at 2 different times and getting denied, I contacted Citimortgage Inc. to obtain paperwork for a release of liability claim. This was stated on the court paperwork. Otherwise, I would not have known about doing a release of liability. On XX/XX/XXXX, I received the paperwork which was just like applying for a refinance of a loan. It was long and tedious for a person to do by myself. I had to pay a {$900.00} fee in order for underwriters to take a look at the paperwork. They said this fee was non-refundable. On XX/XX/XXXX, I was notified of a denial of the release of liability.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Hamilton Law Association (AL)

Hamilton Law Firm continues to call me multiple times a week coneeding an installment loan ( online ) I informed them this was a result of identity theft and they stated they were going to take me court. They called back today even though I spoke with them yesterday and stated the same thing.
Consumer complaint received 2023-01-30
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)

XXXX XXXX XXXX XXXX {$0.00} Dispute Account Information Address XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type XXXX XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for XXXX  months
Consumer complaint received 2021-04-27
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, PHH, through our escrow account. We notified PHH, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, PHH finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. Our loan was purchased by XXXX, in XX/XX/XXXX. Our initial payment statement from XXXX showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of this matter with XXXX. XXXX has told us that this is a problem with PHH and that we need to work it out with them. Upon contacting PHH, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( attached ) indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. We are attaching 2 copies of escrow statements from PHH, one from XX/XX/XXXX and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.