davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section XXXX, XXXX, XXXX and XXXX. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

In XX/XX/XXXX, after retirement, my wife and I opted to move to southern XXXX   and buy a retirement home. We also opted to retain our home In XXXX, XXXX XXXX, which our son offered to occupy the home and pay mortgage, taxes and insurance. We agreed. Over the next five years we had a couple of minor issues with Wells Fargo ( WF ) and to that point I made certain they had my XXXX address, email and cell phone number because there was some confusion. In late XX/XX/XXXX my son called and informed me that the house payment had increased from {$1200.00} to {$1500.00} ( approx. ) per month. Since I had not agreed to any contract change between FW me, I called and was told that WF had to purchase home insurance because we did not have an active policy. I knew my son had mentioned changing home insurance from XXXX to another company. they claimed that they had sent a letter to the XXXXXXXX XXXX address in XX/XX/XXXX stating the problem, which was that the policy they received had my sons name not mine. The policy did contain all other pertinent information such as address, amount of coverage and mortgage company. I did not get that letter, email, or a call stating the problem. When I do Call WF I find that if I must call back, they never seem to know what the last person did or agreed to do. 
Once I became aware that a problem existed, I called my son and within 24 hours the problem was solved. My complaint is that because WF claims that they had to take an action to obtain home insurance because we didnt comply with their unknown requirement for having my name on the insurance policy, we must pay several XXXX dollars for their mistake. They couldnt keep track of my contact information. 
After I called again this XXXX XXXXXXXX I was sent, via email, which was known to WF a copy of the letters they said were sent to me at the XXXX address.
Consumer complaint received 2022-04-23
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. (FL)

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

XXXX XXXX XXXX Account # Unknown, Open Balance {$210.00} ( Collections ) has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (IL)

I purchased a new construction home. The homebuilder is NVR IncXXXX, XXXX XXXX XXXX. I used NVR Mortgage Finance, a related company to the homebuilder by common ownership. The appraisal ordered by NVR Mortgage appears to violate several independence and USPAP standards and gives the appearance of inpropriety. I contacted NVR Mortgage several times with my concerns, but they indicated they reviewed the appraisal and confirmed it was an appropriate appraisal. The mortgage was sold to XXXX XXXX  post-closing. 

The concerns I have with the appraisal are : - The primary comp used in the appraisal is a related transaction. The comp was the homebuilder 's model home that was sold to an investor. The homebuilder and the mortgage company who ordered the appraisal are related by common ownership. The appraisal indicates this was the PRIMARY comp. 

- There is an undisclosed and ongoing financial relationship with the homebuilder and the investor who bought the model home. The investor currently leases the model home back to the homebuilder who uses the home as a model for the subject subdivision. Sale-leaseback relationship was confirmed by NVR Mortgage employee XXXX XXXX XXXX 

- In addition, the investor who bought the model home in this subdivision has bought other XXXX model homes and likely has a similar sale-leaseback relationship in at least one nearby subdivision. This was confirmed by a county records search. The investor owns the model home in the XXXX XXXX at XXXX XXXX development as well as the development my home is located. 

- The investor is an out of state buyer who was able to buy a model home from a homebuilder without the home being publicly marketed for sale. I lived in this development prior to and after the model home was sold. In addition to the ongoing financial relationship the homebuilder and investor has, there is the appearance of an undisclosed relationship outside the sale-leaseback arrangement whereby the investor is made aware of model home sales by the builder. 

- Due to the undisclosed financial relationships between the homebuilder and investor, there is the possibility and appearance the homebuilder is using the model home sale to manipulate valuations of future home sales in their developments. The parent company of the homebuilder and mortgage company has a financial incentive to use manipulated valuations. 

- It is possible, the XXXX either knowingly or unknowingly is confirming manipulated valuations by not disclosing the related transactions, as described above. Disclosing the relationships between the homebuilder, investor and mortgage company would certainly raise professional standards concerns and potentially render the appraisal inappropriate in consumer transactions. 

Appearances are everything. The above undisclosed relationships between the homebuilder, mortgage company and investor does not give me confidence consumers are being treated fairly and ethically. I also question conformance to federal consumer mortgage regulations.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

Hello! I traded in a vehicle & the old auto loan was paid in full  on XXXX and it should have updated with a XXXX  balance in XXXX as it was paid in full before the billing cycle for that month closed out. It's now been a month and a half now and they still haven't reported as paid in full after I've made 5+ requests. Please have them report this as paid in full immediately, thank you!!
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (LA)

XXXX XXXX Balance : {$0.00} CONNS XXXX Balance : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-07-01
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: I.C. System, Inc. (TN)

I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is I C Systems and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.
Consumer complaint received 2021-07-01
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 (AL)

I contacted Synchrony bank about my Amazon account not appearing on my XXXX credit report several times. Rather than insert the account, they no report the comment that consumer disputes account information. I made it clear to the CS agent that I was not disputing the account but needed them to work with XXXX to resolve the matter. I could not get escalated to a CS agent that understood the problem and knew how to address it.
Consumer complaint received 2023-03-06
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. (MS)

My name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, XXXX, Equifax, and XXXX are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

I applied for a secured card with Citi Bank on XX/XX/2022. 
The application was declined with guarantee of funds in the form of personal deposit. 
The credit has been displaced for 7 years without any significant change in scoring or evaluation with lenders. 
This has prevented me from having an emergency credit card for life necessities, etc. 
This has discriminated against me in first time home buyer programs by age discrimination, I know I should have been able to purchase a home in my XXXX 's like everyone else but they all filed bankruptcy and started again with a new car the next month and a new home the following two years. 
You can see all of my scars and stripes and that really isn't anything on my credit but student loans that requires decent income for payment of the education receieved ; The last fair or equal lending receieved was with XXXX bank for $ XXXX credit card/split in two for rewards my XXXX  year in college. A college kid caring more about sign up rewards instead of limit. Honestly, the value scale may have proved to be in my benefit because it would've have appeared worst. 
I'm tired of being discriminated against with everything!
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (UT)

A request for validation was sent to this creditor on  XXXX / XXXX / 2017  via certified mail as I was n't sure what the account they are reporting on my credit is, or who the original creditor was. I did not receive any correspondence or information as requested.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION (RI)

Opened TIAA checking in mid 2021. Made opening deposit on XX/XX/2021. Resolved an error in the application and corrected Social Security Number. Account was approved. 
Set up online access. 

Several days later, TIAA blocked online access. An email was received XX/XX/2021, from XXXX XXXX, " Senior Fraud Analyst, '' who asked me to call. I called and spoke to a different fraud analyst. He stated he could not see the problem and that XXXX would call me back. I never received a call from TIAA clarifying any problem. Rather, it simply blocked my account. 

1. I can not access my transactions and statements in violation of the Truth in Savings Act that requires periodic statements for bank accounts. 

2. TIAA obviously accessed databases in their decision to take an adverse action against me, violating the Fair Credit Reporting Act as they neither notified me of the adverse actions, reasons the actions were taken, or the identity of the consumer reports they obtained and how it is possible for me to obtain a report. 

3. TIAA improperly will not allow me to access my account or the funds I deposited.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc. (NY)

I am getting repeated calls from XXXX CBE Group trying to collect on a debt that I have disputed with XXXX XXXX XXXX when I canceled my account. 

The collector claims I owe {$340.00}, XXXX XXXX did not honor my {$150.00} credit to my account under NY court order. I returned the equipment to one of XXXX XXXX service center before the billing cycle for the remaining {$190.00} was due, yet they extended the cycle to include when I turned in the equipment. 

Repeatedly I tried to have this removed from my credit report as " Disputed '' but the bad debt keeps getting sold.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OH)

My wife tried to fix this with no success so I am going to try! My name is XXXX XXXX XXXX and I just closed on my loan XX/XX/XXXX. The entire closing process what a Disaster! I changed my loan amount on XX/XX/XXXX increased by {$3000.00}. I was told all was good loan would close XX/XX/XXXX as I received my CD on XX/XX/XXXX. Well it all went to XXXX from there! No closing Sat! Was given the run around about things I already addressed and then!!! The day before I needed to close because I was leaving out of town ( XX/XX/XXXX ) I was told the address on the appraisal was wrong and needed fixed!! They had this appraisal for 3 weeks at this point!!! Why was this not caught 3 weeks ago? Nevertheless after another day of XXXX a closure shows up at my house XXXX XXXX!!! On XX/XX/XXXX! I asked him for the CD with the new loan amount as o had been asking since XX/XX/XXXX and never got it! Well guess what! My cost to close increased from $ {$2700.00} to {$4300.00}!!! I was beyond shocked!!! My wife tried to get it fixed! No fix!! So here we are! My wife tried to get someone at the bank to evoking the charges and no one responded to her! We closed as my mental health could not take dragging this out! I looked at the second CD which I should had been given well before closing and noticed they have being taxes of {$660.00} That was paid by U.S. Bank onXXXX from the escrow account they manage!!! Why in the world did they pay them at closing? There response - if it is an over pay XXXX county will refund well not to us but back to the back in which we may never see the funds! I did not increase my loan amount for them to wrongfully use my cash out funds!!! I had every penny account for to payoff my debt! Because they never sent me a recused CD when the loan amount increased I never saw the cost to close from the first CD! The Other cost increased from {$1000.00} to XXXX!!! How!!! I am pretty sure there are tolerance issues here under the XXXX rule! Also note- no revised LE was issued when the loan amount increased XXXX issue??? This could had been fixed had they given me my CD before XXXX at closing!
Consumer complaint received 2022-08-06
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. (TX)

Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by Equifax, XXXX, and XXXX on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.
Consumer complaint received 2020-07-23
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. (CA)

Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.
Consumer complaint received 2022-04-23
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 — Investigation took more than 30 days
Company: CURO Intermediate Holdings (TX)

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/18 I purchased an XXXX computer ( {$13000.00} ) advertised as qualifying for 24mos. with 0 % interest. This was handled through Barclays bank. 

The computer was shipped to me on XX/XX/18. 

I had set up the Barclays account to autopay the minimum payment each month. 

Today, XX/XX/18, I received notice my payment was due and took the opportunity to look up the online statement to see when the promotional rate expired. 

To my surprise and dismay I found that the promotion was valid ONLY if the purchase was made within 30 days of opening the account, which it was. However, as XXXX didn't ship ( or bill ) the unit until XXXX, XXXX XXXX bank claims that it did not qualify for the promotion. 

When I contacted them to discuss this they refused to discuss this and took the position that it is their policy. 

In effect it was IMPOSSIBLE to take advantage of the promotional rate as XXXX was unable to deliver the computer within the 30 days as it was a brand new model. 

Receiving notice that this was going to exclude me from qualifying for the promotional rate would seem to be the honest and forthright way to handle this matter. 

When I spoke to Barclay 's their position was too bad, that is their policy. 

I feel this was a deceptive trade practice and would appreciate your assistance.