davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My account was set up by my soon to be ex-husband without my consent. He has everything going to him. I need to get the username/email and password updated along with any other personal information used to log into my account.
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (FL)

I've now missed two closing dates XX/XX/XXXX and XX/XX/XXXX due to no negligence on my part. The underwriter is refusing to approve my loan in spite of being qualified. Each time the closing date is near, the underwriter adds items to be provided. I've had to supply unreasonable documents that have nothing to do with being able to afford the home. I'm a XXXX woman, on the loan alone and I believe a XXXX  woman making my income, close to XXXX, would not be discriminated against the way I am. I've constantly been told " this is the last item needed '', yet right before closing, more things are added. Making it impossible to make closing deadline. They can't lawfully deny me because I qualify, so I'm being discriminated against in hopes I don't comply, so the loan can then be denied. This is unacceptable and I will fight all the way to the Supreme Court if needed to fight this.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (AR)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}
Consumer complaint received 2020-06-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I XXXX XXXX on XXXX XXXX deposited a third party cashiers check in the amount of {$9000.00} into my Chase bank savings account. On XX/XX/2020 I checked my accounts and found XXXX balances in my savings account and my checking account. I called Chase bank and was told that they have frozen all of my funds and closed my accounts. The cashiers check was made by an XXXX XXXX to my fianc XXXX XXXX. Both XXXX XXXX and XXXX XXXX went to Chase bank with me. They showed the branch manager their ID 's and informed that everything was fine and no fraudulent activity what so ever has occurred. Chase bank has taken {$12000.00} and I have no idea when or if will be able to get it back. Also Chase bank has taken away my ability to view all of me paperless bank statements.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC. (AZ)

Dear Sir/Madam, My name is XXXX XXXX and I reside in XXXX, Arizona. 
I have been attempting to refinance my house, purchased couple years ago, to eliminate the monthly PMI charges and also take advantage of the recent low interest rates. I did research and found several competitive pricing by checking lenders through the XXXX XXXX website. 

After careful evaluation, I looked at the XXXX XXXX  and the Watermark Home Loans organization. Watermark came up with the best offer and waived appraisal and origination fee for me to consider as my first choice for a 20 year loan, reducing my current loan period from 30 year.

After providing substantial amount information through Watermark home loan automated website and a month of half later my loan was " conditionally approved ''. As part of the final approval process with the underwriting and discussion with Watermark home loan analyst for the Watermark Home Loan mortgage company , the organization kept on asking and requesting new information without understanding or explaining the reasons. It appeared from my view point to be classic " Bait and Switch '' type of operation, as in the real world, the interest rates were climbing up and the company did not want to keep it's promise. 

I explained to the Watermark Home Loan organization that my current debt to income ratio is less than 20 percent ( Better than the when I got my original loan two years ago ) and I am not taking any cash out of my home equity to take advantage of the increased value of my house. My monthly payments under the attached disclosure, would have remained almost the same as my current payments. My goal was to reduce my payment period and get rid of the monthly PMI, because we are retired and live on pension and Social Security. Our Social Security and Pensions are more than enough to cover our mortgage, living expenses and maintain our life styles.

Watermark Home Mortgage Loan organization, customer service was extremely poor in communicating to me what was needed and why? Recently, they have placed my loan application under " Inactive '' status and when I asked, the loan officer gave a one liner " It was for income ; we
were not able to use income ''. I was totally surprised as my debt to loan value ration is considerably better than anytime inn the past.

I have lost precious time and the interest rates have creeped up.

I have attempted to work with the loan officer and the organization but they have shut me off, without a valid reason. I have asked for the managerial help, but have fallen in deaf ears.

I would appreciate your help in investigating this organization because I feel I have been discriminated due to my age, under the disguise of " Income '' verifications. 
I can be reached at XXXX ( Mobile number ) or via email, XXXX. 

Regards, XXXX XXXX XXXX email : - XXXX XXXX
Consumer complaint received 2017-12-18
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. (TX)

My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX of XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the XXXX there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX XXXX XXXX XXXX dollars. The account lists XXXX  as the " Original Lender '' and " XXXX XXXX XXXX XXXX '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with XXXX XXXX XXXX  XXXX I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one.

When I apply for credit I expect the creditor to ask which credit report they want unlocked to review. However, XXXX does not seem to comprehend this and after 3 representatives yesterday, repeating my question 17 times over a course of 1 hour and 7 minutes, I hung up.

FCRA rules are not being followed and it makes it hard to obtain credit that way. 

If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX, then perhaps legal action should take place.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My property at XXXX XXXX in the city of XXXX, New York XXXX had a fire in XXXX of XXXX. Back in XXXX I had mortgage on the property in the amount of XXXX dollars. My insurance on the property was through XXXX XXXX XXXX who issued a check with the Mortgage Servicer Seterus Inc. and myself on the check. Seterus had my attorney XXXX XXXX have me signed the check and they would refund the balance to me. They then stated that I owed the entire amount of {$62000.00} and refused to refund me the balance. My former Attorney XXXX XXXX has since retired and I have no legal representation.
Consumer complaint received 2019-06-10
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: EQUIFAX, INC. (TX)

sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : equifax : XXXX XXXX XXXX rpts ar XXXX XXXX XXXX eqifax XXXX XXXXs 5 times XXXX XXXX XXXX twice XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

sent all required documents that supports my ftc violation claim inquires caused were not removed transunion : XXXX : XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX consumer services 5 times XXXX   XXXX XXXX  twice XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX and Experian is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my XXXX and Experian credit report.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I would like to report and let you know that these unknown inquires are not mine. I do not recognize them, I have never gave anybody any permission for these inquires. Please remove them from my credit report and let me know when you are done. This is ridiculous that bureaus reporting misleading information and have no responsibility. Why I have to worry about their bad reporting? Why I have to suffer because of them? REMOVE THEM Please
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

*XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} *XXXX XXXX XXXX  ( acct # XXXX ) Balance {$4400.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$490.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP (CA)

A bank account was opened in my name at XXXX that I had no knowledge about. I only found out due to getting a statement in todays mail ( XX/XX/2021 ) I called the phone number on the statement XXXXUS BANKS ( XXXX ) and asked some general questions. I was asked for the Account Number which I was able to provide being that it's on the Statement. I was asked my DOB and last XXXX of my SS # and they had all of that information about me. The account was opened via the internet on Wednesday, XX/XX/2021 and Closed Monday, XX/XX/2021. I filed a Consumer Report To The FTC ( Federal Trade Commission ) Wednesday, XX/XX/2021. My FTC Report XXXX is XXXX.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Experian always refuses to thaw my credit even when all the correct info is entered and their secure pin is provided. They always add the extra burden of mailing in sensitive documents instead of fixing their computer system to accept thaw requests. 


I tried today to thaw my report with the pin and all the correct info, that had not changed in years, and it still refused to thaw. 

This system should work better instead of further burdening consumers like myself.
Consumer complaint received 2019-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MI)

This collection agency claims that I owe them for services provided by XXXX XXXX in the amount of {$160.00}. No proof was given that these services were mine. The agency added this collection to all three credit bureaus TWICE. Once on XX/XX/2018 and again on XX/XX/2018, which has had a severely negative effect on my credit score.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Every since XX/XX/2019, I have been writing and sending my personal information to Equifax & XXXX XXXX to receive my free credit reports as date I javent received any of my credit reports.
Consumer complaint received 2019-06-10
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: Commonwealth Financial Systems, Inc. (NC)

After numerous attempts to get verification of these fraudulent accounts from XXXX, I have received no verification. These are the fraudulent accounts as follows : XXXX XXXX acct # XXXX. Commonwealth Financial acct # XXXX. XXXX XXXX XXXX XXXX/XXXX acct # XXXX. As of date I still havent had these fraudulent accounts reviewed and verified by XXXX.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.
Consumer complaint received 2019-06-10
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: EQUIFAX, INC. (NJ)

There was nothing to explain further I have been sending letters to XXXX  and Equifax and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft