davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

On or about XX/XX/2020, I was contacted by Quicken Loans/Rocket Mortgage to do the financing of a property I am looking into to purchase. I did not contact Rocket Mortgage to do the financing, they contacted me. They had a copy of my credit report prior to the initial contact, how I do not know. We went over the credit profile, the originator XXXX XXXX ran the loan scenario through automated underwriting and told me verbally via telephone that " FHA liked my loan '' and it was approved. I sent to him via online portal every document he requested, and every document needed to complete the financing. On or about XX/XX/2020, I was told I had to allow them to charge {$500.00} on my credit card for an appraisal which I did under the pretense that the file was already approved. On or about XX/XX/2020, I asked when in fact would I expect a conditional approval and I was told I had to then deal with a loan specialist named XXXX XXXX. I began communicating with him and he was more than rude! He then told me my XXXX came back a " refer '' and not an approval as I had been told in previous days. He also stated that he had to get a rapid rescore on my credit report to see if we could even go any further. Well, wait a minute you already have my credit profile with my ficos, etc. why would you need to wait to now see if I qualify? Evidently I qualified if the findings were approved as I was told and you also took {$500.00} of my money. I tried to escalate this to customer relations with XXXX XXXX who was supposedly going to look into this and this is as of Wednesday XX/XX/2020. Well, low and behold I contacted her today via email and she sent me an adverse action letter citing credit issues. If that were so, why did they take my money in the first place? She also stated that once the rescore came back, they could put my file back into the system and start the process all over again. Therefore, you do see there would be no closing in XXXX as they has promised at all. There is a more depth account of the story, however, I can not put all down here. Bottom line is I was baited and switched and now noone is being held accountable, and they are refusing to return my funds. I would like my funds back immediately. I will also be contacting the FTC in regards to this as this is not acceptable practice in the mortgage industry. These originators are supposed to be trained and licensed. This whole story negates the fact that I had a previous loan in process a few months prior, therefore, they were well aware of the situation. They knowingly and willingly took my money without any intention on completing the financing.
Consumer complaint received 2022-10-04
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. (GA)

I have recently reviewed my credit report and I found several hard inquiries on my credit report that i do not recognize, without my knowledge, without my consent, and that I did not authorize. I would like for these hard inquiries to be removed and deleted immediately from my credit report thank you. These inquiries that I did not authorize are hurting my credit terribly. 

XX/XX/2022 XXXX XXXXXXXX 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-05-21
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)

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX BANK on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2020-07-07
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. (SC)

XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.
Consumer complaint received 2020-05-13
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: ID Analytics, Inc. (IA)

I applied for an auto loan. My info was sent to a lender who pulled my credit. They then pulled credit from a company called SageStream and my score was 200 points lower. I see many complaints online regarding this company.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

The company is discriminating against me by closing my account in retaliation for filing claims and attempting to check the status of my claim. I was never notified that I violated any policies or agreements between Chase Bank and myself as a customer but Chase Bank elected to close my account advising me that I had violated an agreement in the past and that they will not allow me to open a new bank account. Chase bank has not and will not inform me of what guideline/agreement was breached or how it was breached. 

In early XXXX, I lost my debit card while traveling back and forth for XXXX. A few days later I began to see fraudulent charges on my checking accounts online portal. I immediately contacted Chase to report the fraud, Lock the Account, and order a new Card. The Original banker to take my call was very helpful and advised me that it can take 8-10 business days to remove the fraudulent charges and that a team member would contact me for additional information if necessary. I began to see all but one fraudulent transaction reversed and wasn't contacted by Chase for 2 weeks. After noticing a new transaction appear on XX/XX/XXXX that wasnt reversed I decided to call myself to check the status on XX/XX/XXXX and ensure the account was in fact restricted as promised by chase. I was notified by the customer service representative that their claims department has decided to close the account. No additional information was provided to me regarding the reason for closure. The customer service rep was nice enough to elaborate on how the account was attacked but couldn't tell me why I wouldn't be able to open a new account. At this point I feel like chase is taking advantage of an unfortunate situation in an effort to shed low income members who don't provide additional or as much profits for the bank as wealthier members ( i.e they're using the covid-19 pandemic and issues arising from it to target poor people ). Thank you for taking the time to read my complaint and investigate.
Consumer complaint received 2021-02-24
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. (TX)

I have sent in numerous dispute letters and validation letters to Equifax Information Services, LLC. Equifax Information Services, LLC does NOT investigate XXXX XXXX XXXX Equifax Information Services , LLC sends back a letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and Equifax Information Services, LLC is breaking the law by not abiding.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-10-07
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. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2019-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Both Citibank and XXXX  XXXX XXXX allowed unauthorized access to my accounts. I added the woman I thought was my wifeto ONLY my checking accounts at both banks, she was not n any savings or CDs. Citibank has her listed under her maiden name and XXXX under my last name, ( which she never changedto using except when she had a credit card revoked, then shed reapply under my last name ). This started 8 years before we were married, no less. Ive found she changed my address to hers 3x and opened credit lines each time and repeatedly was pulling my credit report. As far as the banks, both admitted they erred by allowing her access to all of my accounts, even business and client trust accounts. She withdrew thousands, sent thousands to her family in the XXXX and even stole my ssdi income before abandoning me. After she left, she continued to steal from my accounts and even closed new ones I opened, under direction of the XXXX manager, at a new PO Box that she had no knowledge of its existence. XXXX have assisted her thievery several times and now refuse to investigate themselves. In serious need of help She stole using online access to move money from accounts she was not allowed access to each respective checking account that she was allowed access. She also hacked my network through myXXXX XXXX XXXX app to obtainmy phones XXXX address ( results in a cloned phone, complete with passwords and everything. )
Consumer complaint received 2021-01-22
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. (OH)

To whom it may concern XXXX XXXX, XXXX XXXX  XXXX XXXX  # XXXX are an accounts that were legally discharged in a bankruptcy XXXX XXXX  XXXX OHIO Docket # XXXX. Please delete this account at once it is an error! They are in error 611, 623, 609 FCRA PLEASE REMOVE/DELETE ASAP.
Consumer complaint received 2019-02-24
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. (SC)

Starting on XX/XX/XXXX I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/XXXX,  XX/XX/XXXX to XXXX XXXX and again on XX/XX/XXXX to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2020-11-24
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. (CA)

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2019-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Joseph M. Tobin, PC (CT)

I had debt on a credit card in XX/XX/XXXX-XX/XX/XXXX. I was in a financial nightmare. I still am trying to dig out from the debt. XXXX XXXX had sent me a credit card ( XXXX XXXX Card ) I used it iin faithfulness of trying to keep up with the minimum payments. When it became to much I called them and they wouldn't work with me therefore I went into collections. Im XXXX and lived on a fixed budget. I can not hire an attorney so I wrote the CT Attorney General concerning this law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.YXXXX. They sold this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. These attorneys sent me a threatening letter saying they can garnish my wages and they are taking me to Court for this debt. They attached some of the charges I used and the amount that I owed {$2000.00} They have failed to mention the attempts of me contacting XXXX via phone. I have sent their names to the Attorney General XXXX in CT but I want the whole story clear. The Attorneys in above lines have made me very upset and as I struggle to make what was a bad time right now with paying other credit cards that were willing to work with me these Attorneys are causing me undue stress as well as the collections company who hired them XXXX XXXX. There is a statue of limitations and this is XX/XX/XXXX, when in fact XX/XX/XXXX all communications with XXXX  back stopped.Please advise I am placing a complaint against behavior as this. I tried to come up with a plan on the phone with XXXX XXXX  but it couldn't happen they destroyed my credit and now they are trying to destroy what credit I have built back up.
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc. (GA)

I have my mortgage with lenderfi. I have paid a few extra payments over the past few months. The companys ledger is very complicated and I could not reconcile their balance with mine although we all agreed on the payments I sent. The difference is roughly a few thousands. I asked for a transaction by transaction ledger which they failed to provide over the last two months.
Consumer complaint received 2020-09-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Sometime in the past 5 years we instituted a consumer statement on the Equifax website. The statement is now irrelevant and should be removed. We filed numerous disputes to have it removed but Equifax wont remove it.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

I have been charged interest 3 months in a row for the purchases I did not make. They keep charging me interest for {$13.00} as a standard purchase interest for a month where i did {$2200.00} payments and {$0.00} purchases. I called them to sort it out and they say I have to make the payments but my balance has 0 % APR until XX/XX/2020. If I need to pay off my statement balance why is the promotional offer give in the first place with a end data? 
I think this is scam
Consumer complaint received 2021-10-07
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. (IA)

I sent a dispute letter to EQUIFAX damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? Im getting really XXXX off and looking to take legal action at this point!
Consumer complaint received 2019-02-23
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: EQUIFAX, INC. (IL)

I don't really know what section my issue goes under. I attended XXXX XXXX XXXX online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC. (NJ)

I have asked Axos invest to close my investment account and transfer funds to my checking account at XXXX. Despite the promise that it will be done in 5-7 business days, even after ~ 15 days 10+ business days the amount wasn't transferred even after repeated email causing me financial issue which I wanted t o avoid
Consumer complaint received 2019-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (PA)

They sent an act 91. I sent the one payment I was behind and the current payment that was due. I did not sent the extra fees. They returned my payment on XX/XX/XXXX. I sent it in on XX/XX/XXXX or XXXX. Please help.
Consumer complaint received 2019-02-23
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: ID Analytics, Inc. (GA)

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.