davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

I applied for a Quicken Loans Rocket Mortgage and I was working with another lender as well, I was negotiating with them about the cost I am getting from another lender. 

The mortgage banker at Quicken Loans told me that he'll beat the costs of another lender and he provided me the estimate and I agreed to it. The document was sent to me on XX/XX/19 and it has the closing costs of {$26000.00} and amount of {$6800.00} was appearing as Adjustments and Credits. 

But then on XX/XX/19 only 3 days prior to the close ( closing was on XX/XX/19 ), I received the final closing package and the amount of Adjustment and Credits was {$2700.00} out of which {$500.00} was the deposit which I gave to Quicken and the remaining was the prorated tax credit I got from the sellers as they were liable to pay the taxes from XX/XX/19 to XX/XX/19. Although the total cash to close was less but that was because I didn't opt for some of the optional services which were there in the initial estimate. 

I remembered during initial call, the banker did tell me that he has taken the permission from the VP to apply some additional discounts to bring down my closing costs and then on XX/XX/19 when I saw the final numbers, I gave Quicken a call to explain why the discounts were removed. He told me that my final numbers are less but I told him that's because I didn't opt for some of the services and because of the title company costs and it has nothing to do with Quicken costs but he didn't listen. Then they bankers stopped calling me so I left a feedback on the portal. I got a call from a lady just a day prior to the close that they'll do whatever they can and it won't impact my closing process. 

I didn't want to lose the property and because that lady assured me I thought it's OK to close the loan and they'll adjust the amount later. Then my case was transferred to a guy and now he is saying that we can't adjust it because you signed the closing documents. 

First of all nobody was talking to me prior to the close and now they are saying this. I just asked them a question that what was the math behind {$6800.00} adjustment and credits if it was not discount and nobody is able to explain that. Sometime they say it was a discount and sometimes they say it was prorations but even then there has to be some math behind it. 

The bottom line is that they applied the discounts first in order to beat the price of other lender but then they took it off when they saw that actual cash to close is already low because of other factors. The other lender was offering me exactly the same thing in just {$2200.00} origination costs and they charged me {$7000.00} for that when they promised that they'll beat the price. 

I have worked with almost all the departments of Quicken by now but they are not ready to listen to anything and they are just cooking up new stories everytime.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc. (NM)

( from XX/XX/XXXX to today ) XXXX XXXX XXXX did not have all of my invoice covered by insurance. Apparently, they tried to bill me but kept sending the bill to the incorrect address even though they had my mailing address on file. They did not email nor call me to inform me that an amount was outstanding rather they turned it over to a collection agent Professional Finance Company. They have my phone number and email, they just chose not to use it or the correct address. I have applied for a mortgage and this small charge of {$150.00} has reduced my credit score from the 800s to the 600 's which will end up costing me tens of thousands in additional interest. 
The actions were negligent, irresponsible and uncaring and I have to pay the price. As soon as I learned of the bill I paid it immediately ( today XX/XX/XXXX ) but they should be responsible for the unfair and bad trade practice and to pay for the additional funds that I will have to pay on my mortgage.
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (MN)

BMO Harris P.O. box XXXX XXXX XXXX IL. 
XXXX We have a car loan through BMO Harris. 
They refuse to provide any paperwork or provide Internet information on the loan. 
We wanted some sort of overall proof of payments made and charges over the course of entire loan. 
They refuse to provide any information to us. 
There is most definitely some fraudulent activity going on here.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.
Consumer complaint received 2019-05-23
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. (IL)

I purchased a used vehicle from XXXX XXXX XXXX in XXXX, IL on XX/XX/2017. I gave the salesman permission to run my credit for approval with ONE lender, and stressed that I did not want my credit run multiple times, that if the first lender was not approved I would get financing on my own. 

As I had come to find out over the next several weeks, my request was ignored. I started receiving credit denial letters in the mail, from banks I had never applied for credit with. I received a total of 12 letters of credit denial in 2017. One has since fallen off my credit report, however the following 11 hard inquiries still remain ... all from the same date of XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the next several months, I tried to fight the unauthorized inquiries through Trans Union and XXXX. I was told the only way to get them removed was by having the auto dealer who submitted them call each creditor. 

I left several messages for the salesperson, finance manager, and any manager to help address this issue. I was ignored, calls never once returned. 

I just found out about CFPB, otherwise I would have done this much sooner. Please help ... XXXX XXXX in XXXX has set a new low in dishonest sales practices, which has cost me additional money over the years due to 12 hard inquiries against my credit in just one day, which caused my score to drop significantly!
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Carbon County (CO)

Company : Collectioncenter, INC XXXX WY, The collections company refuses to send me a written payment agreement. I offered to pay the debt in full, with one lump sum, but they refuse to send me an agreement letter with the full amount. 

I think this company is trying to scam people with medical bills.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

Hello, I learned earlier this week that Navient had not transferred over one of my federally-owned loans last XXXX to XXXX as required under the Public Service Loan Forgiveness program. 

This has the potential to have a major economic impact on my loans. 

I spoke with XXXX XXXX today. He told me they would look into with an expected inquiry completion date of XX/XX/2019. I informed XXXX that under the CFPB definition of a complaint, this should be logged as a complaint. 

XXXX had tried to initially tell me that I was not yet eliglble for loan forgiveness. Luckily, I know what I am talking about. So I informed him that under the PSLF regulations, Navient is required to transfer all my loans to XXXX. 

The Student Loan Servicing industry is a mess. 

My name is XXXX XXXX XXXX, XXXX. 

You may publish this with my personal details redacted. 

Best, XXXX
Consumer complaint received 2020-01-06
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. (MA)

XX/XX/2019 my wife and I were not working so we asked XXXX XXXX XXXX for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that XXXX XXXX XXXX would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if XXXX XXXX XXXX was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

XXXX XXXX XXXX is saying we paid XXXX  2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I have been sending the creditor what they have been asking for to get my account paid off in 3 years. However, they have misled me in believing this amount would actually pay off the account but as you will read it does not. It is very misleading and to be unlawful. I have pasted my original complaint to them as follows. 

****I just looked at my statement you have if I make min payments it will take me 6 years to pay off and if I make XXXX a month it will take 3 years. Needless to say, I send you XXXX and interest is over XXXX? How is this account getting paid down in the 3-year window you have printed? Very misleading to the consumer. **** Their response had nothing to do with my concern and they informed me they are following Federal guidelines as to the posting of the information but federal guidelines DO not state it has to be accurate. There reply is as posted. 

**** Dear XXXX XXXX XXXX, Thank you for your recent email. 

Providing three years of pay-off information is required under federal law, which we comply with. CFNA does not provide alternate pay-off plans as too many factors can change e.g. a late payment fee, NSF fee, assisted operator fee, new purchases, etc. We recommend that you utilize one of the many pay-off calculators available online. To utilize such a calculator, you just need to enter the term of the loan ( 3 years ), outstanding balance and interest rate ( 28.8 % ) to calculate the amount your payments should be to pay off your loan, assuming no other activity on your account. 

****All I know is that " there '' factoring has created more money in their pockets for I have always followed what the creditor has started to send in to pay off my accounts earlier and with less interest.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX and Transunion are reporting that my credit score is  being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XX/XX/XXXX/XX/XX/XXXX. 

I called XXXX complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XX/XX/XXXX / XX/XX/XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

I had a Victorias Secret card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the Victoria Secret credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to Victoria Service. Not once did Victoria Secret send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked my transunion credit score on various sources on on XXXX and my transunion score was XXXX XXXX even XXXX something I believe at one point.

Then applied for a loan at XXXX  and now the score is unavailable online and I was rejected for the loan and they only give me feed back of a transunion score of XXXX.

I was just at XXXX or higher when i applied how did it go down? I didn't miss any payments in fact I paid off my credit card. I only have 1 card left. I don't understand my credit is not even that bad.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (MD)

I don't know who this company is and why their on my credit report. I have not filled out for any credit. This company is committing fraud without my legal permission and rights. When I called they told me they didn't care about what I had to say and then hung up. I also filed with a complaint with FTC about this situation and alerted the credit bureaus of this situation.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have written Trans union on several occasion with reporting inaccurate information on this collection account. Trans union has no updated this account to a charge off, when it clearly was not. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- XXXX How can it be a charge off when XXXX XXXX XXXX XXXX XXXX was the original creditor, how can a collection company list it as a charge off. 
There are several inaccurate information on this account. This account should removed, reporting inaccurate information.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Approximately between XXXX XXXX, I contacted PayPal through its fully controlled communications system. Therefore an exact date is unavailable on my end. When the initial email was made to PayPal a response was made, but to my surprise, they are automatically destroyed and can not retrieve any information. Further, what I recollect from the email response was for me to contact PayPal via phone. Which was done on or approximately XXXX XXXX? 

Contacting them only led to long automated responses and ending with " Paypal is not available at this time, please try your call again later ''. 

Today the XXXX, XXXX I attempted to retrieve my account, of which the original emailed expressed that I no longer had my old cell phone number, therefore I could no longer retrieve my account. On XXXX XXXX, at approximately XXXX hrs, I attempted to submit another support communication ticket regarding the issue. But after writing down an extensive explanation of my problem, their portal caused an error of some sort. This has caused frustration and lost time and XXXX   inaccurate information to retrieve accounts in industry-standard form has created further delays and problems. I'm only looking to access my account without further delay or automated problems that fur4ther cause delay.