davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MD)

Today I contacted quicken loans to ask them to waive my late payment due to my job not sending my first retirement check on time. ( Job stated that they were mailing my first retirement check on XX/XX/XXXX, but I did not receive it too XXXXXXXX XXXX,2019 ). I called quicken loans on XX/XX/XXXX, to let them know my payment would be late and I also asked for the late fee to be waived once the payment was made. The representative said that would not be a problem since I was never late. Well today a representative by the name of XXXX XXXX said once the payment was made they would not give me my late fee back. Now I have a problem with this company for making false or unclear statements to me earlier. All I am asking for is for this mortgage company to keep their word and return the XXXX late fee to me.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is violating the Fair Housing Act by not allowing me to use VA XXXX and social security XXXX income to qualify for a loan modification. A couple of months ago I cleared the previous denial reason of " unverifiable income '' by providing a copy of a tax return showing what income I have. I then was forced to reapply and was recently denied on XX/XX/19 for the same reason of " unverifiable income '' ( my only income is military XXXX and social security ) and how hard is that to verify? I submitted the award letter and 2 months bank statements showing the deposits and that is all there is to prove since it is non taxable there are no tax returns. But yet Bank of America is refusing to recognize this as income and are trying to foreclose on my home. I opened an official appeal on XX/XX/19 which they will need 30 days to review.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

THE XXXX FINANCE COMPANY ONLY WORKS WITH EXPERIAN. EXPERIAN CREDIT BUREAU TOLD THEM OF THAT I HAVE A FRAUD ALERT. THAT I HAD SEND A REPORT TO THEM. I DID NOT SEND ANY REPORT AND HAVE TOLD ANY COMPANY TO DO SO. EXPERIAN IS TRICKING PEOPLE IN SO THEY CAN SIGN FOR THEIR SERVICE. I PAY FOR ONE MONTH SERVICE AND THEY DO NOT WANT TO GIVE ME A REFUND. THEY NEVER ANSWER THE PHONE AND THEIR WEBSITE DOES NOT WORK. TRY UPLOADING DOCUMENTS AND IT SAYS LARGE MEMORY ON IT, EVEN WHEN I JUST TRY TO LOAD ONE DOCUMENT. THEY NEVER ANSWER THE PHENO AND THEY ARE COMITING FRAUD BY MAKING PEOPLE SIGN IN FOR A PROTECTION SERVICE, INSTEAD TO TALKING WITH PEOPLE AND HANDLE THIS MATTER A FASTER WAY SO THAT THE BUSINESS DOES NOT TAKE A LOSS ON A VEHICLE THAT CAN MAKE MONEY WHILE IT WAITS ON THEM. THE PROCESS HAS TO BE DONE BY MAIL. I WANT A LAWSUIT AGAINST THEM FOR FALSE ACCUSATION AND TAKING ADVANTAGE ON SOMEBODY THAT WANTS TO WORK HARDER. AFTER ALL I WORK SO HARD PAYING MY BILLS.
Consumer complaint received 2019-05-29
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: Southwest Credit Systems, L.P. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems, LP Southwest Credit Systems, LP is reporting to XXXX Credit Bureau that I owe an invoice to A company named XXXX.I never any such company.This is hurting my credit worthiness. Southwest Credit Systems, LP refuses to remove this lie and holding my credit as ransom.I never made any such bill
Consumer complaint received 2019-05-29
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: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX is reporting fraudulent information on my credit file. XXXX  is reporting bank accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All of these accounts are not mine and some have a negative balance. XXXX  is also reporting names that I have never gone by and associating me with different last names of other people that have similar birthdays as mines. XXXX  is also reporting addresses that I never lived at. I believe XXXX has compromise my credit file with anothers persons that have similar information as mine. Ive made several dispute with them however they continue to keep the fraudulent accounts on my XXXX  file.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

I filed a claim onXX/XX/XXXX and was told that once the transaction posted I would receive a temporary credit within 12 hours its almost 4 days later and I have not received the credit. all I have received if different bull XXXX responses from reps as to why the credit was not processed -- the merchant after I threatened to sue refunded the amount -- instead of still applying the temp. credit I am being made to wait another day for my funds. As a customer I am looking for another banking institution because I do not like how this situation was handled. I should not get 4 or more different versions of a policy and as a customer am now going to be without funds that were fraudulently taken from my account for almost a week. I had better response from the company who fraudulently charged my card than from my own bank ..
Consumer complaint received 2020-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (SC)

XXXX I really need your help I pray you can do something. Listen to this, home point finical changed my XXXX mortgage check to XXXX dollars less and then never told me ( federal offense ). 3 weeks later I received a letter and called right away but couldnt get through due to the virus. Next, I got a hold of someone that said he would fix it but didnt. I sent a check that got there on the XXXX I believe of XXXX and my check was dated XX/XX/XXXX. They held my check 3 weeks and cashed outside the XXXX window of XX/XX/XXXX. They cashed the XX/XX/XXXX check on XX/XX/XXXX. I called and screamed it killed my credit score down from XXXX XXXX XXXX XXXX to almost 600 with the way they are reporting it. 
So now they are telling the credit reporters Im not caught up with payments but I am and they said the only way I can get them to remove it is if I send XXXX roughly ( 3 mortgage payments ). Listen, there is a national crisis, Im trying to get payment to them. Its not fair if the mail was slow. Everyone is short staffed. They cashed all my checks but wont apply then and notice there are no late fees. Meaning they got my payment on time. 
After looking up reviews of the company they are doing this same thing too people. 

Anything you can do Im going to lose my house
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AL)

I had a collections debt from Midland Funding LLC, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, MIDLAND FUNDING LLC collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is MIDLAND FUNDING LLC. The original creditor was XXXX BANK.
Consumer complaint received 2019-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OH)

In the month of XXXX i was expecting a deposit from a XXXX XXXX after receiving double debits to my account the bank requested that i open a new checking and savings and close the checking account and take the money that was in there out at this point the depositor is XXXX XXXX after the remainder of my funds were received and carried over to the new checking account because of the double debits a hard hold was put on my account until it was fixed requested by me. There was a deposit that came from XXXX XXXX which i have proof that hes the depositor someone then creates a depositor by the name of XXXX XXXX  and says that they received the funds out of my account which after getting a letter from this merchant it is showing that someone created the check situation to steal he funds out my account the merchant listed has wrote a letter on my behalf stating that they never had my account info at all and did not receive funds out my account also also there is a wittiness from wells Fargo bank who heard he debit thefts from my card i want a refund back into my account for the stolen funds
Consumer complaint received 2019-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I made a money transfer using the app XXXX through my bank which is Wells Fargo. I was purchasing a XXXX puppy from XXXX   XXXX  supposedly in XXXX Texas. The money was received by the so called breeder but I never received the puppy. I then got an email from the company that was supposed to be the courier that would be delivering my puppy saying I had to pay them XXXX for an electronic thermal crate because the crate the breeder used was not safe. XXXX XXXXXXXX XXXX is the name of that company. I sent them numerous emails because I started to feel like I was being scammed. They told me I would have to send the funds by debit card only by XXXX XXXX and the fee would be returned to me when my puppy reached my door. I knew then something was up. They told me that my puppy was being held at their facility until they received my XXXX for their crate. I refused to send the money and they said my puppy would be held there until they got the money so they were in on the scam as well. I simply feel that my bank should not support a company like XXXX when they know what XXXX 's policies are and if something happens the customer doesn't have any recourse through XXXX or even my own bank. I have been a customer with Wells Fargo for over 20 years and for them to treat me this way is just horrible in my opinion. I called them the minute I realized I had been scammed and they said there was nothing they could do for me and that I was just out the {$550.00} I paid for a puppy I never received. They said that using XXXX is like just sending cash but that can not be true because it still has to go through the bank. I just feel the bank let me down and they should not allow XXXX to be a part of their business practices.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was sold to XXXX XXXX dba Shellpoint Mortgage Servicing XXXX. XXXX   XXXX, SC XXXX ( XXXX ) XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX in XX/XX/XXXX. 
At this time my spouse and I were going through a divorce. I ( XXXX XXXX XXXX ) was awarded the home by the divorce judge and told I needed to remove my ex-wife from the mortgage ASAP. At that time my mortgage was still owned by XXXX XXXX XXXX. I had talked to XXXX XXXX XXXX  and they said they would do an assumption or a novation to remove my ex-wife 's name from the mortgage.. 
Next thing I know is XXXX sells my loan to Shellpoint. I received a letter from XXXX stating the loan was sold, but that everything would remain the same except where and who I send my payments to. 
Well, I talked to several representatives at Shellpoint and they said they won't do the an assumption or a novation of the loan even though I had been promised by XXXX XXXX XXXX   that they would do it. XXXX had " no problem. We can do that for you. 
But, Shellpoint refuses to do it as promised by XXXX XXXX XXXX. 
In fact, I contend that Shellpoint has fraudulently and purposely dragged their feet when processing 3 of my monthly online payments ; therefore my credit report now shows 3 late " mortgage '' payments which makes it impossible for me to refinance the home loan which is the only other alternative way to remove an ex-spouse from a mortgage loan. Shellpoint knows that a consumer will be unable to refinance either with them or another lender and intentionally makes a payment or more " late '' so you are forced to stay with them. I have no " late payments '' they are lying about! 

The other fraud they are doing is they are stealing my payments! ( SEE ATTACHED ) I have been mortgaging this home now for over 17 years. The first 13 1/2 years of monthly payments were " interest only '' and escrow payment. The interest on the original 25 year loan was met years ago! But, look at my Shellpoint payment history. Look at it! For 10 months I have made my monthly payment of {$800.00}. That's {$8000.00} and not one red cent is being applied to the principal! Only towards the escrow. Where is this money going??? When I call to ask those questions, I always get transferred on the phone and then I stay on hold forever. They never pickup the phone. They never help! WHERE'S MY MONEY? I bought his home for {$100000.00} in the year XXXX. So, in 17 years I paid these lenders over {$190000.00}! Almost twice the price of the original purchase price already! But, somehow I still have a principal balance of over {$120000.00}! It never goes down! Doesn't make any sense. Plus, my payments ( over {$8000.00}! ) Only goes to escrow. Where the rest going?
Consumer complaint received 2019-01-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was contacted by a company named XXXX with the phone number XXXX and given a case number. They also contacted all of my family members stating that I was going to be arrested for intentionally defrauding a financial institution I contacted the company at the phone number provided and was told the same thing, I asked for information in regards to the debt and was given no information. I proceeded to ask for an address, what type of company they were, and for there professional license number and was told I could not have the address for there protection, they did not represent themselves as a debt collector in any way and stated they worked for attorneys, and they stated they didnt have a professional license number to provide. They have called me and my family members from local numbers, spoofing there real identity at least 16 times a day. When I asked for a bill or something stating what the debt was for I was denied this by being told you have already received that from the company you borrowed money from
Consumer complaint received 2019-01-29
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. (OH)

This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. ()

For a hospital bill of XXXX dollars from almost 6 years ago. I got ta 9 phone calls this week alone. I've talk to them 5 times and told them to stop the calls and stop harassing me at work. They lie their rude.
Consumer complaint received 2019-01-29
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. (NV)

On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XX/XX/XXXX to be correct. He was using my identity from XX/XX/XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc XXXX and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (GA)

The Inquiry was made on XX/XX/2017. The amount was {$5000.00}. The interest is at 58.81 % and i was going through a tough time. I have paid all the interest on the loan and cant get a logical reasoning on why there is not a settlement option or even a refinance option. The only answer that i receive is that " Everything is automated and the system lets us know when you have those options '' I need to speak with someone who can make those decisions. I have about {$3700.00} dollars in interest and still have a balance of almost {$4000.00} left on the loan.
Consumer complaint received 2019-01-29
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: ALLY FINANCIAL INC. (GA)

XXXX, Car loan ( XX/XX/2018 ) XXXX XXXX, Car Loan ( XX/XX/2018 ) XXXX of XXXX XXXX, Car Loan Letters were written to the creditors to have the inquiry removed because no loan was secured and no vehicle was purchased.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account XXXX XXXX XXXX XXXX, NUMBER : XXXX
Consumer complaint received 2019-01-29
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. (GA)

I have been a victim of identity theft so I reached out to the 3 main credit bureaus Equifax, XXXX, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

My card was fraudulently used when still in my possession on the following dates XX/XX/2019 in the amount of {$190.00} XX/XX/2019 in the amount of {$1300.00} XX/XX/2019 in the amount of {$20.00} XX/XX/2019 in the amount of {$1.00} XX/XX/2019 in the amount of {$76.00} On XX/XX/2019, I discovered when checking my account that there had beed fraudulent charges made on the above dates. I called Direct Express immediately and made a report. I was sent a questionnaire of fraud to fill out, which I filled out and returned immediately. After numerous phone calls to Direct Express I was given the run around. I finally received a letter dated XX/XX/2019 from Direct Express  stating that they had denied my claim because they could not confirm that fraud had occurred, even though I sent Direct Express proof that at the time my card was compromised I was in Florida when the charges were made in California.