davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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 more then XXXX times nonstop this is exhausting 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 and XXXX and hope from the fraud department I prefer to speak to a XXXX 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NM)

Rocket mortgage is making false advertising claims. Their TV ad claims that an approval letter from Rocket Mortgage is as strong as an all cash offer and puts you on the same playing field as cash offers. This is a lie. Furthermore they are targeting XXXX Americans with this advertising which is a predatory lending practice.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-12
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was manipulated out of {$100.00} through a fake XXXX email and believing that I was working with XXXX, not a scammer. 

Date : XX/XX/2022 I received a scam email from an individual posing as XXXX customer service via email. The individual pretended to send me money for a purchase and {$100.00} extra to upgrade my account to a XXXX business account for purchases. 

Scammer proceeded to send an email impersonating XXXX with branded logos used as his profile emblem and in the email address itself. The email directed me to send {$100.00} through XXXX Chase in order for my payment to be released. I was told to send money to account : XXXX XXXX XXXX Transaction XXXX The email utilized XXXX XXXX logo and XXXX in its email name and was very convincing in appearing to be a legitimate customer service email from XXXX XXXX 

After the scammer was sent {$100.00} directly out of my checking account, he proceeded to harass and call me for hours demanding I send him another {$500.00} in order for XXXX to release his supposed funds. 

After realizing that the entire transaction was a scam, I quickly called Chase to open up claim # XXXX to stop payment on the pending transaction. 
I saw that the transaction was pending to an account also from Chase. Chase failed to stop the pending payment allowed the criminal to keep my money. 

Date : XX/XX/2022 Was denied the {$100.00} credit because Chase claimed I allowed for the payment to happen. However it was the fake email from XXXX that Chase did nothing to close down the scammer 's bank account or return my money. 

I was manipulated out of {$100.00} through the fake XXXX email and believed that I was working with XXXX.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo placed my Mortgage into Forbearance in XX/XX/2020. 
In XX/XX/2020 we inquired about making pmts again and chose the option of increasing our monthly payments over a 6month period to repay the missed amounts. 
In XXXX on my activity log it shows several adjustments of {$0.00} and then my principal balance increased by over {$5000.00} My understanding of this occurring, through research not through Wells Fargo who hasnt responded to emails for calls, is when they continue to make payments to your escrow they can add that amount to your principal. However my payments have been made from my escrow decreasing it to nothing and they still added on the principal balance without my knowledge. 
Now my loan is increased, extended and my escrow is going to be short which will increase my pmts next year to an amount I can not afford. 

Looking into refinance my loan and I am told my costs will include paying my taxes and that amount should be refunded to me at close through my current escrow. However I have nothing in my escrow and my loan at refinance is $ XXXX more. So I am now paying this amount twice without my knowledge. 

Can Wells Fargo do this without my consent or knowledge when I opted to pay a higher monthly payment not an increased principal
Consumer complaint received 2020-08-20
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. (VA)

I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and XXXX refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my rights to have accurate data reported to the CRAs.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (FL)

When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit.

When you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TN)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report, Notice to Furnishers, and XXXX Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2022-09-21
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. (MD)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I am in the process of refinancing my mortgage on my primary home. The problem I have been experiencing regards the paperwork provided to the refinancing company ( AmeriSave ) for the trust I have. I provided AmeriSave with the Certification of Trustee. They responded that they wanted to see the full trust. I reminded them that per California law section 18100.5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. 

Despite this explanation they have continued to harass me to provide the full trust even telling me on XX/XX/XXXX that we would not be able to close in a trust unless I provided them with the full trust docs. Thus far I have provided AmeriSave with the Certification of Trustee, the notary page and the page in the trust before the notary page, the trust page that shows the trust is revocable ( even though it says this in the Certification of Trustee ), the trust page that shows the trust has the power to mortgage, and the first page of the trust. 

I have been very uncomfortable during this whole process and have expressed that to both the loan originator and processor. I have even called the title company myself who told me they have approved the Certification of Trustee for closing on their end but AmeriSaves underwriting continues to request the full trust document. 

I have tried to call the processor directly, but the phone number listed on his email signature and on the AmeriSave customer portal leads to a voicemail for a man named XXXX. I pointed this out to the processor via email and asked for his contact information but my request was ignored. I have also asked the processor numerous times for his managers contact information so I can share my concerns with him/her. The processor has told me that the supervisor will call me but it has been two days and Ive yet to receive any communication from a supervisor and the processor still refuses to provide any contact information. I am attaching all the email correspondence between myself, the originator ( XXXX ), and the processor ( XXXX ). I  have also highlighted all the pertinent sections of text related to his complaint. 

Thank you in advance for looking into this matter and determining why AmeriSave is not following California law section 18100.5 Mortgage Company Contact Info : AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction. 

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely
Consumer complaint received 2022-09-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (CA)

Ally Bank is not honoring the pricing on the commitment letter for a Mortgage refinancing despite the issue being a bank error. Details are below : I was given until XX/XX/XXXX EOB to upload documents showing sufficient reserves The application was prematurely denied on XX/XX/XXXX prior to the deadline set forth in the attached email I submitted documents showing sufficient reserves in the morning of XX/XX/XXXX which were accepted and my application was approved. 

Because the application was prematurely denied without allowing sufficient time for me to upload documents, when they were in fact uploaded by the XX/XX/XXXX deadline, my application was conditionally approved but not at the pricing set forth in the commitment letter. 

This is a violation of the terms set forth in the commitment letter by which the lender is obligated to make a mortgage loan at the pricing set forth in the document. 

Original commitment letter pricing for XXXX XXXX XXXX locked through XX/XX/2022 : .25 % points, 2.875 % fixed for 360 Months which Ally Bank has denied the request to honor. Instead they are offering the current market rate which is substantially higher costing me thousands of dollars more. 

In addition, I was informed at the time of applying, sales of collectible assets would be qualified as reserves as long as an audit trail was submitted. For this reason, I did not apply with any other institution as I was told a number of times that those assets would qualify as reserves. I was later told after processing my application that those assets would not qualify. The bank admitted to miscommunication but never moved to resolve the issue despite their error. 

Continued violation of bait and switch, miscommunication, and premature denial of application resulting in thousands of dollars in potential consumer losses.