davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

During the closing/lending approval process, all documents from lender ( New American Funding ) were electronically sent and signed. Included in the breakdown of all fees, there was a " seller/lender credit '' listed at - {$7500.00}. Before I signed, I deliberately asked the lending officer what that was. I was told " just sign the documents so we can continue moving forward ''. As the time came closer, I received a call from the underwriter stating the funds needed at closing was far greater than showing on the documents I signed. The underwriter looped in the lending officer into a three way call back on Wednesday XX/XX/XXXX. When asked about the " credit '' the lending officer stated he listed that on the loan document as a way to make it thru underwriting without having to validate the entire closing cost amount was available in my cash accounts. I was never informed of this at any point in the process until the moment I was " blind-sided '' by the underwriter. I was then told by the lending officer I was either responsible for coming up with the money or I would be denied the mortgage loan. I feel very strongly I was misled and information listed on the lending documents was fraudulent in order to get a loan approved. I then reached out to the Regional Manager of New American Funding on Thursday with a return call from him on Friday XX/XX/XXXX and he proceeded to stand up for his employee stating " he made a mistake and there was nothing they can do for me ''.
Consumer complaint received 2022-05-29
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. (FL)

Equifax deleted an open and positive auto trade line ( XXXX XXXX XXXX XXXX  ) from credit report without authorization and/or without cause. Dropping credit score tremendously. RepXXXX refused to fix the problem.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 and XX/XX/2022, I sent EQUifax a request to reinvestigate incorrect items which were listed in my credit history report. There was a collection for XXXX no orginal creditor listed just XXXX. I asked for verification and reinvestigation. They updated comments saying that i dispute the account but nothing was corrected. I also reached out to the collection agency and recieved nothing back. I contacted them twice. Please note that i sent mail to XXXX certified becuase i didnt get a response. The traccking number with XXXX is XXXX
Consumer complaint received 2022-05-29
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. (LA)

XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX  XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX has report on my credit report on XX/XX/2022 and violated the arbitration dispute with XXXX XXXX XXXX that is still ongoing to the present date. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). This account should must be removed from my credit report and all reporting and contacting must STOP IMMEDIATELY
Consumer complaint received 2022-05-29
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

Using XXXX ( XXXX ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my Chase Visa card. Normally, I transfer funds to XXXX from my XXXX bank account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that Chase charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party intermediaries for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and Chase ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but Chase indicated they would credit my account for the fees. I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether Chase decided on their own to modify the transaction in order to collect fees.
Consumer complaint received 2022-02-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (DC)

I purchased a concert tickets for an event in Washington XXXX DC. Paid it using my PayPal credit account/Synchrony Bank XXXX The event, tickets sold through XXXX, was cancelled because of Covid on XX/XX/2021. XXXX promised to refund the money and after many unsuccessful attempts to get in touch with them, I escalated this problem with Synchrony bank, who keeps trying to make me pay the amount being disputed. Synchrony bank claims that they received information and proof that XXXX will not refund me the money. However, the documents and the amount in dispute, that Synchrony Bank sent to me, is a wrong amount and copied and pasted policies that do not apply to my case. Synchrony Bank is not doing a throughout investigation about my case and is forcing me to pay an amount that I can not afford and I should not pay it because merchant cancelled this event willingly and the merchant gave me the option to choose between receiving a refund or get a store credit. I chose to get a refund. Synchrony Bank is failing in providing help and support to my claim simply because it is convenient to them that I should pay this loan at 21 % interest rate. Please help!
Consumer complaint received 2022-02-16
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: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers.

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX I had a friend needing a cashiers check cashed because they did not a bank account or a proper ID I deposited the check via mobile deposit. 

Did not try to cash it in bank nor did i give the person money for check because i wanted to confirm the deposit and funds due to fake checks going around XX/XX/XXXX My account says the check is on hold Spoke with the bank and attempted to verify check with bank and the check turned out to be a fake. 

XX/XX/XXXX Entire account is Restricted and pending closing due to submitting the check No warnings, no calls, no emails I had the money in my account to cover the check I did not cash the check as I was waiting for confirmation of available deposit Chase has put a restriction on my account and closing it and all my funds are on the account. I am unable to access the funds until the account is closed and they mail a Cashiers Check with my balance to me. 

I can not withdraw the funds that were already previously in my account and that is what I live off of. 

I did not get a warning or any type of decent customer help for this issue. 

I would of preferred some sort of help from chase and not a immediate closure to my account or instead of immediate closure and holding my funds letting me withdraw my funds before closure. 

This account is my lifeline for survival. I have no money anywhere else, My bills are withdrawn from it and payments are sent to this account. 

So now I have to wait 20 days to get my money and make a new bank account to have my deposits go to. 

Chase should of handled this in a completely different way but instead they XXXX  a poor college kid out of all the money they have in the world.
Consumer complaint received 2022-02-16
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)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (MS)

Greetings!!! 

I, Consumer, XXXX XXXX, entered into a consumer credit transaction with Renasant Bank in XXXX of XXXX. It was later discovered that the financial institution was Elan Financial. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Because there was a finance charge used in this consumer credit transaction, there should not have been any cash included, but Elan Financial has taken cash payments. The Finance charge is supposed to include insurance, but I was never informed of my right to the insurance being included in the finance charge. 

To be honest, I have felt blindsided by some of the actions of this company such as contacting my employer and stating that I owed money on the debt which took place in XXXX of XXXX. It was because of that very reason, I wanted to know about my rights as a consumer when it comes to a debt collector. Under 15 USC 1692, its states I have a right to Cease and Desist and a right to validate an alleged debt. On XX/XX/XXXX, I wrote Elan Financial to do just that and they sent me a letter back that blatantly violates my right as consumer.
Consumer complaint received 2022-02-16
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. (AZ)

This is my 2nd complaint on this matter. EQUIFAX responded to my last complaint with a completely irrelevant response to the complaint. I stated EQUIFAX deleted 3 accounts and 10 inquiries I filed identity theft for. Although these are all deleted, EQUIFAX did not comply fully for violating my rights by not complying to the invoice for all violations they committed. I sent an Affidavit of Truth stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing these accounts and inquiries with out my written instruction to do so and attached an invoice to it. They did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX )
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (UT)

I submitted a complaint almost 1 year ago for the illegal foreclosure nationstar did on my home in XXXX after I became XXXX from XXXX XXXX in XXXX. They violated federal regulation code XXXX exclusion and did not offer any foreclosure alternatives. They took over {$3000.00} for a reinstatement in XXXX that was never applied or accounted for. They did not serve any documents legally or correctly and did not sell the home but instead took it back, locked me out and then sold it for nearly {$40000.00} more than I owed. They claimed incorrect balances owed and did all of this while I was under modification. All these agencies just say there is nothing they can do and that's after they let nationstar investigate their own misconduct which of course they found to be correct. None of this helps anyone because the CFPB and THE D.F.I. side with the ones doing this to people who can really say " there's nothing we can do ''
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I am currently trying to get an auto loan. XXXX separate banks have pulled my credit but are unable to pull my Equifax report. 

I have contracted Equifax multiple times concerning this and no one seems to know the problem. I may lose this loan because Equifax cant fix the problem.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

A debt collection appeared on my credit report for {$810.00} owed to Jefferson Capital Systems ( JCS ) with the original creditor listed as XXXX XXXX, opened on XX/XX/XXXX. I sent XXXX a debt verification letter dated XX/XX/XXXX, asking for several specific pieces of documentation which proved their claim of a debt owed. XXXX responded with a letter dated XX/XX/XXXX, which included a single-page document and claimed it to be " verification of the account ''. The document provided is what appears to be an overview of an account with XXXX XXXX ' one-month billing period XX/XX/XXXX, to XX/XX/XXXX,. This document shows only a total amount owed on the account and lacks specific information that, in my opinion, is necessary to prove any owed debt on my behalf. It's also unclear who owns the rights to this debt as the bill is directly from XXXX XXXX and can, to this day, be accessed and paid off directly through XXXX XXXX via their website.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, GA XXXX Mail Current Status - Processed For Delivery ( XX/XX/2022 XXXX PM ) Letter Mailed Date and Time - XX/XX/2022 XXXX PM Pass through - Standard Recipient Address - XXXX XXXX XXXX XXXX, GA XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Consumer complaint received 2022-02-16
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
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. (IN)

It is for my XXXX XXXX XXXXard that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX XXXXhey said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor
Consumer complaint received 2022-05-28
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: SYNCHRONY FINANCIAL (NY)

The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

So I got a purchase of {$11.00} something in Arizona and so a number txt my number and asked if I made the purchase. I believed it was chime but come to find out it wasnt after I gave them all my info including my SS # so they got into my account and transferred all the money I had from my savings and credit account and put in the checking and took out {$260.00} out the account under the name XXXX XXXX. They said they couldnt give the money back because they dont see any error because the people had all my information.