davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

When working on preparing documents for a closing, we contacted our assigned banker at Quicken Loans ( rocket mortgage ) about what documents we needed to sign in order to get our clear to close done. Throughout the process, from the time we first started the mortgage application in XX/XX/XXXX, toXX/XX/XXXX when we put an offer in on our condo, to signing the the documents along with that condo onXX/XX/XXXX to have all paperwork line up with the condo address, we were never told during any point that our rate was what it was due to buying down points. At several points in several conversations, we specifically asked our banker at Quicken Loans/Rocket Mortgage what fees will we owe them outside of the writing and processing fees ( {$1200.00} ) and were told time and time again there would not nothing outside of our monthly mortgage. Fast forward a month and a half toXX/XX/XXXX, we are at the closing table with our lawyer, who notices that we apparently bought down points to bring our APR from 3.99 to 2.99 for the cost of {$5600.00}. This is a cost we were not aware of because it was never brought to our attention, despite asking multiple times. When we tried contacting Quicken to have them explain this, the banker ( after were bounced around for an hour on the phone to four different people being told nothing could be done ), claimed it was in the paperwork. When we asked at what point did he tell us about how interest rate options, he said he " didn't remember the conversation. '' After another twenty minutes of talking on the phone and getting nowhere, we were told there was nothing they could do. Our real estate attorney even pointed out that it was " shady '' that an experienced banker would not point out these fees to first time home buyers. Our options were to walk away from the table and lose the home we wanted, or pay the money. So we paid the money to secure our home. 

After closing and reaching out to Quicken about this, we were told we should have not closed, and waited to resolve the issue that day itself, because it would be harder to handle now that we paid, but the customer relations person would do their best. After a week of explaining what happened to numerous people, the customer service person called us and explained that the banker is a great guy and they'll use our story to teach others of this, which is of no use to my family who was manipulated out of XXXX. As first time home buyers, we read every document and asked questions, and all questions pointed to the documents being okay when answered by Quicken. When asked what could be done to help us, we were told nothing, and were almost laughed at on the phone. I never want any other family to go through this. The buying points down charge was over 25 % of our closing costs.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

HI ERC & XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-04-12
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. (CA)

Experian has not risen my credit score even though it shows the exact same reporting as XXXX  and XXXX XXXX. Both XXXX  and XXXX XXXX have me at XXXX and Experian remains at XXXX, even though the reporting is exactly the same and I have fixed all my delinquencies in the last 120 days. Experian is saying that their systems automatic and they dont know how to change the number even though they acknowledge that the reporting is identical and something is wrong. Please help me, Im trying to refinance and save my house and they are stopping me by not fixing their system.
Consumer complaint received 2021-04-12
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. (TX)

Experian, XXXX, and XXXX  are incorrectly reporting a bankruptcy discharge on my credit report ( XXXX ). It shows status discharge as of XX/XX/2021. However, that is not correct and I have requested this item be deleted until it could be corrected. 

The item in question was discharged XXXX of 2021. This error will further delay my ability to cycle a clean slate. Neither credit reporting agency has updated or deleted the file.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (IL)

Company Halsted financial contacted me via text and possibly phone in regards to a debt that does not belong to me. Per the link that was sent, you a prompted to put the last four digits of your social in ( in which I did ) and it brought up this account. I called and spoke with a representative and I was given the run around in which I asked to speak with a supervisor. XXXX  ID # XXXX on XXXX XXXX XXXX XXXX XXXX cst I spoke with. I truly want to believe this is her name because Ive been given false information by another company before when Ive escalated. She could not give me the reason why I was able to pull this account up with the last four of my ssn. The back office will be getting the account but, I feel my info has been sold or they have stolen it. Can this matter be looked into because I should not be able to access anyone elses account.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX. XXXX  XXXX wont give me break down or signatures regarding these collections
Consumer complaint received 2021-05-25
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: CCS Financial Services, Inc. (MD)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Complainant : XXXX XXXX XXXX Secured Party Creditor : UCC1 Filing Number : XXXX Respondent : CitXXXX XXXX  Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX XXXX secured under UCC1 Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name. 
Citi continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt. 
This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code. 
Relief Sought : I hereby demand that Citi immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor UCC1 Filing Number : XXXX
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (SD)

XXXX XXXX deposited {$5000.00} check on XX/XX/XXXX. Everything was cleared until a year later It was on XX/XX/XXXX I got a negative balance posted on my account and my payroll was taken out too. Without giving me a notice instead took all everything that I had. It kinda sad but nothing I could do. So I immediately contacted the bank went to the branch seeking for help several times but no one could solve this problem. I am asking you to please help me out and solve this as soon as possible. 

Thank you for your help
Consumer complaint received 2021-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I am a authorized user on two XXXX XXXX credit card for over two years and Experian has failed to report my account history. Regardless of the numerous confirmations from XXXX XXXX that my information was reported to Experian as it was reported to XXXX and XXXX Experian is only showing I have two credit cards where as I have four. I have received the following message, repeat ... 
Thank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Consumer complaint received 2021-04-12
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. (IN)

Although I have sent Experian proof of full payment for a previous XXXX  store account, bank statement and letters with confirmation. Confirmation # for this transaction is XXXX, Experian refuses to properly update my consumers credit report. Instead they are reporting inaccurate information/balance amount. Today the representative at Experian, XXXX stated that there was " no dispute found ''. Then seconds later gave a dispute reference number of XXXX. Then, initially refused to provide method of verification. I have sent certified letters with return receipt. When calling Experian I was then placed on hold and transferred to an incorrect department and transferred again. Then placed on another extensive hold. Experian has refused to acknowledge and correctly report this item as paid in full. Experian 's inaccurate reporting is not only a violation but is damaging my credit that I have worked so diligent on. Please help
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted XXXX XXXX XXXX on XX/XX/2023, after receiving an alert that my payment was past due. I didn't understand why I had not received a paper copy of my statement. The representative I spoke with waived the {$39.00} late fee. However, she was unable to explain why I did not receive a bill. Initially she told me I was on paperless billing as the reason. I did not sign up for paperless billing. I use my mailed bills to determine when to pay. I have all my other statements coming on paper. She told me I should get a paper bill as well. She also told me that I should get electronic billing, which I don't. She was all over the place. When I started asking more questions, the story kept changing. She even tried to change my story, telling me what I said. I requested a supervisor. I planned to pay my bill off on time every month. The supervisor took the call. I told her that I wanted the recording reviewed, so she could let me know why the representative said what she said. She explained they do not review recordings unless it has to do with a problem with the account. I told her the problem and that I had to go. I asked her to review the information and contact me back. She told me to call back and did not say she would flag the call or anything. Since it was so difficult to explain why my billing is or is not paperless, it should be paperless as I explained to the representative. I got charged two late fees of {$39.00} and {$28.00} and two finance charges of {$60.00} and {$48.00}. I paid the balance up minus the charges of {$190.00}. It is very upsetting when you can not get the proper assistance. I believe the charges I have remaining should be removed.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (FL)

As of XXXX. Selene Finance LLP has continued to conduct fraudulent activity on my account. I was warned to expedite all payments upon the completion of my loan. Selene Finance has continued to charge me a monthly fee for a balance of XXXX $ dollars. I have requested a meeting and correspondence. Selene Finance is not willing to comply to my request.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

purpose.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I escrow my taxes and insurance specifically so I don't have to worry about them being paid at the end of the year. My lender is JPMorgan Chase Bank. This year they did not pay my home insurance and it lapsed. Once I was notified of this I had to find a new insurance. At this point 12 days had already gone by. Then I received a letter that Chase was going to charge me {$900.00} for the 12 days of lapsed coverage.. I called on XXXX separate occasions, each XXXX weeks apart to speak to someone who said the filed a request to waive this. Each time I was told I would be called back within 10 days ( no one ever called me back ). I tried to get insurance for the 12 days on my own but no insurance company would insure me for past days. The whole situation is ridiculous because no insurance company would pay out anything anyways if I filed a claim and said it happened within those 12 days. This is completely the fault of my mortgage company who failed to do what they were supposed to do with my escrow money. They collect all the interest on me prepaying my escrow and then they never paid the insurance company and they take it out of my account as a penalty afterwards. I feel like my mortgage lender is bullying me.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (TX)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX  on behalf of Bureaus Investment Group Portfolio No. 15 LLC, about a debt that I was never aware of. I sent a debt validation letter requesting further information in regards to this debt on XX/XX/XXXX via certified mail. Post marked XX/XX/XXXX I received a letter back from XXXX XXXX XXXX XXXX XXXX, with only billing statements and a typed letter from XXXX XXXX XXXX informing that a credit account with them was acquired by Bureaus Investment Group Portfolio No.15 LLC . on or about XX/XX/XXXX. I sent XXXX XXXX XXXX XXXX XXXX, a letter requesting additional proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/XXXX. I received a response back postmarked XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, with the very same information they sent to me on XX/XX/XXXX. They have failed to properly validate this debt with a signature bearing my contract. I have documentation stating where I lived during the said billing statement dates and it is an incorrect address from which they have provided on this debt. Instead they send me the same documentation from a previous request and as well a debt collection letter while this debt is currently in dispute.