davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

At the beginning of the pandemic I accidentally opted into a Loss Mitigation program. I have called around the 30th of each month since XXXX to be removed from this program so that I may make payments online- once one is opted into this program they can not make online payments and must call to arrange for payment which also incurs processing fees. During one of these calls ( XX/XX/XXXX or XXXX ) I called and arranged for payment and requested to be removed from loss mitigation yet again- my payment info was taken, processed, and was misapplied. Each consecutive month since, my statement has shown as past due despite paying by the XXXX of each month- NO payments have been missed. My monthly mortgage is {$1500.00} and I am now showing as > {$4500.00} past due- again, NO payments have been missed. 

At the request of customer service, I emailed screenshots on XX/XX/XXXX of my bank statements with proof of the funds leaving my account each month. An automated email informed me I would receive a response back within 24 hrs. I did not receive an email so I followed up on XX/XX/XXXX @ XXXX CST and received a response within minutes. I was informed by XXXX XXXX that she was working on my account and would provide status very soon. I did not hear from her. I emailed again XX/XX/XXXX and XXXX both emails I have not received response to.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX  XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (CT)

Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, XXXX
Consumer complaint received 2020-10-26
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. (CT)

Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX
Consumer complaint received 2020-10-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

Flagstar stole my home!! The company approved for me to sell the home multiple times to avoid foreclosure after I lost my job. I had a closing date and moved it several times after they came up with excuse after excuse to keep me from selling the home. Now I have a foreclosure on my credit. The company acted in bad faith with high interest rates, fees, and lies over the phone about helping me to keep my home.

Flagstar approved the sale of my home in writing to avoid foreclosure. Then they sent multiple letters saying documents were missing. The same documents were sent multiple times. I experienced multiple delays and was promised that everything was in order right up to the day of foreclosure. They approved and then disapproved the real estate agent without explanation. I asked to appeal and they said they would have someone call me, but they never did. So, I got a new agent and they said they were processing approval for the sale to a different buyer, then delayed and never processed. Even though customer service said they did, nothing was done. I spoke to agents, supervisors, and everyone I could to no avail!
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dispute XXXX : Policy reinstated due to non-cancellation-XXXX  USAA On XX/XX/XXXX, I called to inquire about extending my due date for my policy that I have had for over 20 YEARS. I was told that the due date was XX/XX/XXXX. I wrote this in my calendar. I paid the premium of {$670.00} by XX/XX/XXXX. The reason is was late in the first place was because you were not mailing statements in a timely manner. I have been a customer for almost 20 years with excellent payment history. The statements were LOST in the mail and I never received any correspondence about any of this. 

I called on XX/XX/XXXX, I was told to have the payment in by the XX/XX/XXXX. 

USAA then went ahead and cancelled my 20 year old policy and upped the premium by {$3000.00} despite the fact that I was NOT late on the final payment. XXXX did not occur. My policy DID not cancel due to missed payments as I was following the recommendation of the agent who told me that there was a 10 day grace period or due date of XX/XX/XXXX which I met. 

USAA went ahead and Cancelled my policy when they TOLD me I had until XX/XX/XXXX and told me there was a grace period. I did as I was advised and found out USAA went ahead and cancelled my policy and increased my premium anyway! 

Listen to all the recordings and revert the policy back to what is was originally with no lapse in coverage. I was TOLD the due date was XX/XX/XXXX. 

I REQUEST my policy TO BE reinstated to what it was prior to USAAs mistake. I spoke with : XXXX Employee # XXXX Who also can confirm the conversation and confirm the recordings and the agent who told me I was still within the window of my current policy. 

My policy did not lapse so I would like my policy reinstated as it was prior to your mail mishap. 

CEO email : XXXX XXXX
Consumer complaint received 2020-10-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (IL)

The company discriminated against me! I sent in requested documents! Received different feedback every time I called. Was told that I wasnt important as other callers were waiting on hold to be assisted! They never sent an official denial letter. They told me that my appeal wasnt honored and wasnt going to be reviewed after advising me of the option. False and misleading information was reported to the credit bureaus! I never spoke to the appeal department or department that actually processes the applications even though I requested to do so! All calls were recorded to reflect inconsistencies!
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (GA)

I have since received more emails and dispute info on my credit report and this continues weekly if not daily. I was told by telephone several times that what one person does to stop this and clean up the report and remove the comments I requested another one comes along and reworks it and files more disputes which overrides it. There are 61 and hundreds of emails. I don't know how to make this stop and my hope of a mortgage Experian has destroyed. I did not request any of these. 

Complaint filed XXXX Experian will not stop sending emails and opening new disputes and once all comments are removes another person in their company comes along and puts them back on. 
This has gone on for over 2 months. I have as that my original request be removed if that is too confusing for them. Delete it or something just STOP. 

What would it take to just correct the report and just STOP!
Consumer complaint received 2022-05-04
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. (FL)

XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXt XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX  XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX XXXX 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 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I initiated a refinance for my home with Rocket Mortgage around XX/XX/2022. Everything was moving along until we came to getting the Payoff letter from XXXX XXXX XXXX ( XXXX ), my current loan servicer. According to Rocket, the payoff letter sent by XXXX, did not include a " XXXX XXXX '' from XXXX XXXXXXXX. Therefore, the title company held the title with the XXXX XXXX and would not release it. Now my interest rate lock, as well as my appraisal money that was charged on my credit card, are now in jeopardy. 

I got on the email and group everyone together on an email Rocket, XXXX XXXXXXXX, XXXX and XXXX ( XXXX is an arm of XXXX. XXXX was my initial servicer, when they transferred my mortgage to XXXX for servicing ) letting them know that, my interest rate would be expire on the XXXX of XXXX ( ( this started in XXXX ), if i didn't get a corrected payoff letter in a timely manner. Well, i didn't get the letter until the day of the XXXX - 3 month later! Rocket Mortgage will not honor the interest rate, and the interest rate went up, even though XXXX sent it on the XXXX. Rocket has been calling me and trying to push me into the higher interest rate refinance- i don't want a higher rate, that is not in my best interest! 

Now i can not refinance with any bank, because i wasted 3 months waiting for the corrected payoff letter from XXXX. Interest rates have gone up even higher, than what was locked. NONE of this error is my fault. I am not sure why i was penalized by not getting the rate i agreed to, and losing {$500.00} in appraisal that Rocket told me i will not get back, even though the letter came on the day of the XXXX. This is not FAIR! I am back to square one!
Consumer complaint received 2023-01-12
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. (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX CARD SERVICES 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 15 U.S.C 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 U.S.C. 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 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (NJ)

I purchased a newly constructed home in XX/XX/XXXX. My added assessment tax bill issued in XX/XX/XXXX was for 9 mo. My new lender raised my payment {$600.00} per month because they are basing my final XXXX tax bill on the 3rd QTR Added Assement bill. I have spoken to them 3 times. I have sent them the tax bills and assessment letter from XXXX XXXX showing my completed assessment but they will not fix the escrow analysis and correct my payment. I can not afford to pay {$600.00} extra a month because they are estimating my taxes {$3500.00} higher than they actually are. I dont know what to do. I shouldn't have to refinance a mortgage to fix an escrow problem. They will not let me speak to the tax company who prepares the analysis but no one at the mortgage servicing department seems to understand how taxes are billed in NJ. What can I do. this is a complete hardship
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (WA)

I am a XXXX Veteran. This is reference to Veteran medical debt. I am being billed for a hospital stay. The Department of Veterans affairs  Authorized payment for all charges. This authorization was approved on XXXX. XXXX XXXX XXXX XXXX, the physician billing service has failed to process the payment and hired a debt collection service to come after me for the full amount. The debt collection Company CMRE continues to report this to my credit file and continues to bill me. It is a violation of federal law Title 38 U.S.C. 1703 to bill a Veteran for medical debt when the Department of Veterans Affairs has taken responsibility for the debt and issued a payment Authorization. The payment Authorization for this hospital stay on XXXX. XXXX XXXX is Authorization # XXXX. It was authorized on XXXX and can be verified with the Department of Veterans Affairs national community care office at XXXX. The Department of veterans Affairs called XXXX XXXX XXXX XXXX on XXXX and XXXX. Both time giving them all of the authorization information for payment. Both times XXXX from there insurance processing dept refused to delete this from my credit and has not followed through with processing. The Dept of Veterans affairs also contacted the collection agency CMRE on XXXX.They have had more than a reasonable amount of time to process this and is negatively impacting my credit and my health from the stress. The issue is not with me yet I am being punished. This is also a violation of the veterans protections in the fair credit reporting act section 603 15 USC 1681a as was amended in XXXX of XXXX.
Consumer complaint received 2024-09-15
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HOME MORTGAGE CORPORATION (MD)

I am writing to seek urgent assistance regarding my mortgage account with First Home Mortgage. The Loss mitigation process began in XXXX of XXXX. Details of this process are captured in the 4 previous CFB complaints submitted on XX/XX/XXXXXXXX XXXX XXXX and XXXXXX/XX/XXXX. The latest complaint was closed with the mortgage company First Home Mortgage agreeing to loss mitigation terms that resulted in 3 month agreement plan eff XX/XX/XXXX thru XX/XX/XXXX. During the agreement period payments were made on time in the amount {$5000.00}, per the signed agreement. The final payment to satisfy the payment agreement was made on XX/XX/XXXX. This final payment should have satisfied the agreement terms.Despite this, I have received several conflicting notices from First Home Mortgage. 

The notices indicate that my account is delinquent and demand full payment of a past due balance of {$94000.00}. Additionally, I received a collection notice requesting full payment of the loan amounting to {$820000.00}, which significantly exceeds my actual loan. 

On XX/XX/XXXX, a request for additional information was sent via email to the VA Technician assigned to mortgage account to receive additional information as I had not received any information at the time regarding the loss mitigation agreement plan. The assigned technician received information from the lender stating the loan had been transferred to another lender XXXX XXXX. I was informed that I should receive this information via US post mail. 

On XX/XX/XXXX a welcome letter was received via email from XXXX stating how to set up the new account and make payments. However this notification does not state the new contractual mortgage terms ( ie. due date, and amount ). 

The deferral letter states the loan payments that were missed for the past 18 months ( XX/XX/XXXXXXXX  XXXXXXXX  ) would be deferred. However these dates do not reflect 18 mths as those dates would be effective XXXX. A account transcript has been requested by VA as the dates outlined in the agreement do not align. 

In XX/XX/XXXX the mortgage account was listed on my credit profile as closed and transferred with a balance of {$820000.00}. There was an update to my credit profile on XXXX and XXXX account on XX/XX/XXXX reflecting that the account is now open 180+. late with a balance of {$830000.00}. This now reflects 2 delinquent mortgage accounts within my credit profile.The information outlined in the notices do not correlate with the information outlined via email with VA. There are several discrepancies within the notifications received. Notices state there was no change to mortgage account terms and and amount. However in an email received by VA it states the mortgage monthly payment and terms have changed. Lastly per the attached documents the current balance on the account is {$770.00}, XXXX.
Consumer complaint received 2022-04-27
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 XXXX i made this clear for 60 days straight with XXXX 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 three 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 XXXXThis 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 21 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-27
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. (NJ)

I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in my account,
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AL)

Bought a home last XXXX, HUD states payment will be {$2400.00} for the first 1-8 years w/ a lower payment there after. Received a notice that my mortgage would be increasing this Spring as well as sold to a new company. Initial loan company stated the increase was due to homestead exemption, however, after reviewing the paperwork I have found it to be the fact that they missed PMI inclusion in the mortgage overall payment. Given I never agreed to the increase and it was negligence on their part, I would like to launch an investigation for negligence on their part.