davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

Hello, I got an email saying Mr. Cooper would beat another lender 's closing costs by {$500.00} or they would send me {$500.00}. I got sent in everything my loan officer requested and he came back with not being able to beat the other lender. I asked about how to redeem this offer I had and he said I would be emailed how to redeem this in a little bit. He acknowledged I should receive this since they couldn't beat the other lender. I never received this. I followed up multiple times with my loan officer. He called me once and said the email should have been sent and he would try to get a copy of what the email would look like. I followed up via email and then I never heard back from him. I followed up on the following dates and have attached the email thread showing this : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please investigate first why I am being ignored by this loan officer and also why I haven't received my {$500.00} yet.
Consumer complaint received 2022-07-29
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-26
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit 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 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
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Due to the struggle and hardship related to XXXX ( XXXX ), we enrolled on a extended forbearance plan that ended on XXXX XXXX 2022. After submitting and verifying our solicit form XXXX XXXX 2022 with the XXXX XXXX XXXX XXXXXXXX XXXX ( THAFP ), its been pending for response from the mortgage loan servicer Wells Fargo Home Mortgage Bank in order to MOVE FOWARD and complete the process. 

Since XX/XX/2022 we have made unsuccessful attempts to have our mortgage loan servicer respond to the solicited documentation from the THAFP efficiently. 

Wells Fargo had send to the THAFP, documentation regarding a loan modification approval, NOT REQUESTED and further more, after we have explicitly communicated our position to work with the assistance of the THAFP and repeatedly mention our OPOSITION and DENIED to have a loan modification offer by Wells Fargo. 

Up to this date XXXX XXXX XXXX  we haven't been able to resolve this circumstance and had EXHAUSTEDLY reach out by phone and in person, Wells Fargo Home Mortgage Bank, local branch XXXX XXXX XXXX, XXXX Tx XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department, High Visibility Department, XXXX Team XXXX XXXX, Supervisor XXXX XXXX.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I used my credit card to pay for a XXXX XXXX transaction ( sending money through XXXX XXXX ). I chose to pay with the credit card because in the payment option menu on XXXX XXXX the fee was less than if using a debit card or paying in person. However, the bank charged me a {$10.00} " Cash advance fee ''. I believed I was using credit. XXXX XXXX gave me no reason to believe this would be anything other than " Credit '' if I used my credit card. However, the bank processed it as a cash loan from my credit card. The bank also did not show what the " Transaction Fee '' was about on the statement ; I had to write to them to explain what it was. Because of that, I made the same mistake 3 times and kept paying XXXX XXXX with the credit card. They refunded the first fee but they refused to refund the other XXXX. This is the message they sent me ( this is only part of the full message ) : " XXXX, after review, I confirmed that the {$19.00} XXXX XXXX charge on XX/XX/2022 was a Chase fee and can not be refunded. 

In addition, I see that we already adjusted most fees associated with your XXXX XXXX. Although the XXXX transaction fees left was declined upon careful consideration. 

We know this may not be the outcome you were hoping for today. We hope you trust our decision and efforts in serving your financial needs. '' However, previously they sent this message ( this is only part of the full message ) : " Also, we have refunded the {$10.00} cash advance fee that posted on XX/XX/2022. You will see this adjustment on your next billing statement. 

On the other hand, the option to submit a refund request for the cash advance transaction fee for the {$19.00} XXXX XXXX charge that was made on XX/XX/2022 is not available as of this time since the transaction is still pending. Once the fee posts, kindly reply to this email or call the number on the back of your card and we will be able to submit a fee refund request. Kindly also note that this kind of requests will be subject for review and approval. '' These are some of the junk fees that are in the process of being outlawed, and the bank was warned by me that I would be complaining, but they believe they are above the law.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late SYNC/Sams - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-09-26
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: CITIBANK, N.A. (NJ)

This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report : XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION (PA)

On XX/XX/2021, my credit was ran without my permission. I emailed XXXX XXXX in XXXX, NY about a XXXX  XXXX vehicle. I never said I wanted to submit a credit application and I clarified many times that I was looking to only put a deposit down. I already knew which bank I was going to finance through and expected this process to be done in person, at the dealership when the car arrived. XXXX, the salesperson I was emailing, also mentioned that in order to move forward with the DEPOSIT, he needed certain information which is why I provided it. That information was used for a credit application, which I wasn't trying to do. Please see my attachment for reference, I highlighted it many times where I mentioned a deposit. As a result, M & T Bank XXXX and XXXX  XXXXXXXX XXXX XXXX are on my XXXX and XXXX  XXXX ( bank ) is on my XXXX. I have reached out many times since XXXX. XXXX XXXX has not tried to help. This is very frustrating. XXXX XXXX, Assistant Sales Manager, responded " As soon as someone gives us a deposit and a credit app we submit the information to the banks to get an approval ''. The thing is I never submitted a credit app OR gave them approval!! They didn't even try to help me remove this. I want to make a formal complaint against XXXX XXXX for doing this.
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kikoff Inc. (NJ)

Kickoff Lending LLC on XXXX21 reported a charge off to the credit reporting agencies for an alleged debt they claim I owe. A charge off, pursuant to the IRS is considered income and the company has to file a XXXX and provide me a copy. 
As it is unlawful to furnish income on a consumer report and tax fraud to still attempt to collect on a charge off. These actions are contributing to the injuries and damages of the obscene and profane language of spreading of inaccurate, unfounded information and damaging my reputation.
Consumer complaint received 2022-09-26
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. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint requesting that the Credit Bureaus take action to my Credit File and have the disputed items corrected and or removed from my Credit Report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. I am taking a thorough look with my Credit report and took notes of the following : a ) There are accounts that were already closed and the balance is XXXX and yet these accounts are still reported as late ; b ) There is a charge off account that is not charged to me. This accounts shows that the account was pad and that the balance is XXXX ; c ) There are accounts that were already deleted from the other Credit Bureau but is still reported on some Credit Bureaus ; and d ) The disputed accounts ' disputed status indicates " Account not Disputed ''. How could the Credit Bureaus report the accounts as " accounts not disputed '' when I have been disputing this accounts by sending dispute letters as well as CFPB Complaints addressed to the Credit Bureaus and when in fact the Credit Bureaus have been responding to my CFPB complaints through the Consumer Portal. This action by the Credit Bureaus makes me doubtful of them. I need the Credit Bureaus to stop their erroneous reporting and delete the disputed items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-26
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: Westlake Services, LLC (TX)

XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine westlake financial - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX care - account number XXXX opened XX/XX/XXXX - this account is mine XXXX XXXX  - account number XXXX opened XX/XX/XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-09-26
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: VW Credit, Inc (TX)

XXXXXXXX XXXX XXXXXXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXXXXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-09-26
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: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXXXXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX  - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MA)

I opened a new Ally Bank account and deposited a {$15000.00} check from my cousin to fund the account ( The money was meant for home repairs ) Ally promptly locked my account promptly saying there's suspicious activity and they need to do this since it's a new account and the check is large. 

This was on the XXXX and for the last 14 days I have talked to their " Loss Prevention '' department and customer care at least 12 times. Here 's what I was told authoritatively on XXXX : ( After listening to multiple explanations, answers AND having to explain why he's giving me money etc ) The check is of a big amount and in a new bank account. So, we need to wait 10 business days for it to clear and only then the lock will be released and I will have access to funds. 

It was supposed to be done today ( XXXX ) and when I called in the morning they asked me to wait till afternoon. In the afternoon, I hear a new explanation The check still hasn't cleared so you have to wait another 7 business days! 

Which is wrong because the money left his account on the same day! 

I am at my wits ends as I really need the money ASAP. And this has been incredibly stressful as they are constantly changing their stance.
Consumer complaint received 2022-07-29
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: PNC Bank N.A. (NY)

COMPANIES THAT HAD INQUIRED MY CREDIT REPORT XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX PNC BANK XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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: MARINER FINANCE, LLC (GA)

I am victim of identity theft and someone used my personal information to open this fraudulent account in my name without my consent. I did not benefit from any goods or services of this fraudulent account. I am requesting for Mariner Finance to delete and remove this fraudulent account to remove and delete this fraudulent account from all three major credit reporting agencies. I have attached a copy of my police report to this correspondence.
Consumer complaint received 2022-06-09
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. (LA)

Credit Reporting Agency-Equifax has been notified several times that credit limit for XXXX is incorrect. Should be {$3500.00} as reported by credit card company however, recent disputed results still lists {$3000.00} as the credit limit?
Consumer complaint received 2022-09-26
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: MIDFIRST BANK (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. MIDLAND MTG/MIDFIRST XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I tried to report a fraudulent transaction made with my debit card through the online banking but the system didnt allow. 
Need to report this transaction : XX/XX/XXXX XXXX XXXX I noticed this when I logged in on my online banking on XX/XX/XXXX, and same day I locked my card and requested a replacement through secure message. 
I did not authorize that transaction.