davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

WE applied to refinance our mortgage with Better. We both had excellent credit scores and had loan to value ratios of 50 % or better according to all of the online valuation sites. Everything was going along smoothly until Better decided to have the home appraised. We received a conditional appraised ratio that had us at 40 % loan to value, but the appraiser noted that we were in the process of building a pool. We had informed the appraiser and Better that this was the case, but the pool would not be finished by the closing date. Things quickly turned with our broker at this point. XXXX XXXX NMLS : XXXX. Mr. XXXX began to threaten our loan all of the sudden. He gave us unrealistic deadlines for new paperwork and when questioned, he admitted they were not due on his threatened date, that he did so to give us impetus to get it back to him. He also quit returning calls and was constantly unavailable and would only respond to emails. At one point, after avoiding three calls in one day, he sent out an email, 30 minutes after close of business, telling us we must have something new completed in less than 24 hours. After jumping thrpough all of their rings, they used the unfinished pool as a way of not closing our loan. We are now out {$550.00} for the appraisal, of which Better retains {$100.00} for pure profit, and have had our credit rating lowered by their multiple inquiries. 

Please help.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

On XX/XX/XXXX, I received an email notification from XXXX  stating that Hyundai Motor Finance has posted a " Charged-Off '' account of {$16000.00} against my credit score. This resulted in -58 points from my overall credit score. I haven't owned a Hyundai vehicle since 2016 and it has been fully paid off by XXXX. I tried contacting Hyundai 's finance department and customer service department and it's impossible to get a hold of anyone. The automated message system states, The line is unusually busy. Please try again next time, '' and just automatically disconnects the call. 

In addition to filing a complaint with Consumer Financial Protection Bureau, I've already contacted XXXX, the Attorney General of Texas, and the Attorney General of California 's office to lay out the necessary steps to dispute this false claim and to make sure the public is aware of the distasteful unethical business practices by Hyundai during this ( COVID-19 ) unprecedented time. 

Additionally, Id like to mention that the name appearing on the attached document, XXXX XXXX XXXX, is my father who had co-signed the Hyundai Vehicle at the time of purchase.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (GA)

I am a user of Remitly a merchant enable people to international money transfer. Today XX/XX/2020 someone hacked to my Remitly account and made a transfer of {$1600.00}. 

The fraudster also used my debit card details to make the transfer. 

It is clearly a case of fraudster getting access to peoples account and robbing them. 

There is no security feature Remitly is following to check if the transfer is happening and customer is authorizing it. 

When contacted Remitly they simply denied that they can not do anything and gave me the transaction details.
Consumer complaint received 2020-01-16
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: EQUIFAX, INC. (CA)

On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, Equifax and XXXX  customer service lines and none would help after, having the police report and FTC report mailed to them.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

I overdrafted the account because a merchant who said they would post a day later posted a day earlier than they indicated ( it was the {$7.00} transaction ). I want to get the overdraft fee refunded. Additionally, I am entitled to 3 refunds by chase a year and didn't reach that so I don't know why I can't get the fee refunded.
Consumer complaint received 2020-05-05
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)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DEPT OF ED/XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My Equifax : Confirmation XXXX My XXXX   Report Number XXXX XXXX  lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX/XXXX  {$3300.00} XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

My insurance company alerted me that my credit score had gone down so they said to look into it, otherwise it could affect the cost of my car and home insurance. Always paying my bills on time including my insurance, a red flag went off, I always a near perfect score. So they got the report from Lexis Nexis and I started with them to find out what was going on. They gave me the report and there was numerous mistakes, including an address that never belonged to me, they even said there was a auto device on my car, recording how I drove. There was no such device on my car so how could anything be recorded. Best part my wife drives that car and it's hardly driven, yet they had a daily record of stoping braking.But the most harmful was a loan and a credit card in default for a long time and it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY. XXXX. We never heard of this Credit Union and wondered how it was on my report. I called them up and asked them what this was all about. They could not find anything under my name, or social security # as an account Also I gave them a partial acct. number XXXX XXXX listed on the report and they said there was nothing, they couldn't find a loan or credit card at all. I called back Lexis Nexis and they were supposed to look into it. They sent me some of the things that were removed but nothing on that. So far they haven't done anything about it. Needless to say it also is on XXXX and all the credit report Companies and none of them are removing it from my credit report. I even wrote the head of the credit Union, which they said to write to, and no answer back. Apparently someone used my name to open this account under to get a loan and a credit card, but why am I having on my report and no one knows why. 
I've argued with everyone to remove it because it is going to hurt everything I try to buy. 
Please help if you can, I don't know what to do anymore.
Consumer complaint received 2019-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

After negotiating a payoff amount of the loan, and sending payment on the mortgage. SunTrust has failed to send satisfaction of mortgage notice to the county clerk. I have requested of them to comply with the law and have them then quotes from the law.
Consumer complaint received 2017-11-29
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 am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stephen L. Bruce, P.C. (AR)

I had a default judgement file against me from Stephen Bruce & Associates which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

On XX/XX/2020 ; I purchased 2 tickets to fly to XXXX via XXXX XXXX for XX/XX/2020. I attempted to contact the carrier while I was still within their refund window. Ultimately I spoke to someone at XXXX XXXX who told me that despite the airlines refund policy ; since XXXX XXXX had rescheduled the flight- the transaction was no longer refundable. Since air travel was closed between the United States and the XXXX XXXX ; I was unable to take the flight. 

I enlisted Citi card to help resolve the issue, as the charge was on my Double Cash card. After more than a month, I received a notice telling me they wouldnt be refunding the money. I did not receive an explanation, an invitation to appeal, or contact seeking more details on the transaction. I feel that I was scammed by XXXX XXXX and later by Citi card for failing to refund my money per the Contract of XXXX.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (KS)

Chase credit card lowered my credit limit during the covid-19 virus. I am without an income right now, our industry has been shut down. They arbitrarily reduce my credit limit during the covid -19 outbreak. This should be illegal, I need that credit line for living expenses.
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. (NY)

XX/XX/2017 XXXX XXXX XXXX  bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but Equifax has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This is a formal complaint that TRANSWORLD SYSTEMS INC are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Consumer complaint received 2020-01-16
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. (FL)

Equiafax did not send me any proof of their investigation and just sending their letter that they have received the proof of late payment. I was never late with XXXX  account. Also collection account is not belongs to me and i have never open the account wit this company see attached letter
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (WA)

PayPal advertised that using their direct deposit service would be " quick and easy ''. The IRS said my money would be deposited on XX/XX/XXXX. Well it wasn't there. After endless hours trying to find any kind of help, assistance or information for the lack of funds. Finally I found in there's help page that we were going to have to wait 3-5 business days to see our funds in our account. Im still waiting. There's a ton of us still waiting. PayPal is obviously profiting off this, while some of us are starving and stressed over our situation and circumstances. Shame on you PayPal. Their effort toward " helping everyone '' is not charging the check cashing fee. Well last I heard, direct deposit isn't a check..
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo, my Mortgage Company is forcing me to have an Escrow Account on my existing mortgage that I took out in 2004. I have n't had an escrow account since I took out the mortgage, now they say I have to have one and I have no choice. 

Now I have had a couple late payments in the past 12 months and I did pay my property taxes late, but my mortgage is current and so are my property taxes and insurance. I got less than 30 days notice that I had to have an escrow account. I called and said " no way, I do n't want one ''. They submitted my request and I got back a decline on my request due to my payment history and that my FICO score has gone down since I closed the mortgage ( in 2004 ). I personally do n't believe that either of these two reasons are justification to open an escrow account against my will. I do n't remember anything in the closing papers saying they had the right to open one against my will and force me to pay it. 

My mortgage balance is only about 30 % of the market value of the home. Then to top that off, the escrow account almost doubled my monthly payment. I think this is how they plan to steal my house since I have over $ 200K in equity. 

What are my options? I ca n't pay my mortgage with their estimated escrow amount ( which is more than double what it should be ). 
Can they force me to have an escrow account?
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (MO)

Contacted on XX/XX/XXXX by a XXXX XXXX, stating I owed {$250.00} to XXXX. I let him know that the debt was not valid and a final payment of {$230.00} had been made in XX/XX/XXXX. I also told him I would not be making a payment to him today and would contact the original creditor to so they could remove the account from collections. XXXX XXXX called me back immediately, leaving a voicemail that stated I needed to provide him proof by the end of business day or they would proceed with a lawsuit against me. XXXX XXXX did not provide any fax number or email address to which I could send proof of the paid debt. I attempted to call XXXX XXXX back six times, every time he hung up the phone without answering the call. On the seventh try I got through to his associate, the associate transferred me to XXXX XXXX. At that time I requested he provide me with a fax number or an email address so I could provide him a copy of the cashed check. XXXX XXXX refused to provide me with either, and told me he was sending a sheriff to my house. I gave him my email address and asked him to please email me so I could provide him with a copy of the cashed check that showed the debt was paid in XX/XX/XXXX. So far, XXXX XXXX has not provided me with any means of communicating proof of the paid debt with him and is no longer answering any phone calls. The times I did speak with XXXX XXXX on the phone he raised his voice, was profane, would constantly speak over me and would not allow me to get a word in edgewise to provide proof that the debt was paid. 

Prior to the call on XX/XX/XXXX, XXXX XXXX left a voicemail on the cell phone my husband uses for his military service, stating that I owed a debt and I needed to call him to pay it immediately. 

The final loan payment was made on XX/XX/XXXX via online bill pay through my credit union. The check was sent to the company on XX/XX/XXXX. Attached you will find a copy of the endorsed and cashed check.
Consumer complaint received 2020-05-05
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. (DE)

I contacted Equifax via mail on XX/XX/2020 and online on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up via email on XX/XX/2020 stating my dispute was complete. However, I was unable to view the results online as the system is not working. I tried to reach Equifax via phone today XX/XX/2020, I held for 4hrs before the line was disconnected. I finally received the dispute results via mail later on in the day. Equifax deemed the inquires factual, I received no supporting documents. I have never applied for anything with these companies, these are fraudulent inquires.