davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

Since my time in working with Rocket Mortgage I have received poor service and have been taken on a ride. I started this process in XXXX and the company requested I take care of some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I took care of promptly. I was preapproved for a XXXX XXXX  mortgage {$170000.00} with a down payment of about XXXX XXXX and closing costs of XXXX XXXXXXXX. Then my name was entered on the original contract incorrectly by the company which XXXX XXXX noticed after reviewing the paperwork. As a result the company had to perform additional hard inquiries which cause my XXXX XXXX to fall to XXXX. In XXXX, I was told I was not able to qualify for a FHA Loan because I was granted a forbearance for my previous mortgage loan during the XXXX XXXX  era but have yet to be shown the requirement or rule is for that and why that was not discussed with me from the beginning. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) discusses this very situation and shows that I would be eligible for a FHA loan. The issue about the forbearance came up in XXXX and they knew from the beginning I was granted a forbearance and that my mortgage was never late or past due which was proven by the previous mortgage company. It seems like everything that was originally told to me was not true at all and put me in a bad spot once I finally selected a house. I selected the house based on what I was told upfront and everything suddenly switched and Im being told different information. I was now only approved for {$160000.00} with XXXX down payment and XXXX XXXX closing costs for XXXX XXXX. Which raises my XXXX payment about {$200.00} and increasing my XXXX ratio. I am very dissatisfied with how this process has been. My information being incorrect, dealing with professionals that are not familiar with their own industry, being told XXXX thing up front and then almost at the end of the process everything has suddenly change and no one can give me clear, concise answers. I have researched whether or not is forbearance during the XXXX XXXXXXXX era will disqualify a borrower from a FHA loan and I have not seen anything of that nature. Rocket mortgage has not adhered to FHA guidelines after advertising as such which why I came to this company.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MA)

My employer, XXXX XXXX XXXX XXXX, had a data breach announced this past summer. Prior to the announcement I had several hard credit inquiries that are now showing up on my credit report, 6 on XXXX and one of the same on XXXX from XXXXXXXX XXXX. These are fraudulent as I have not applied for any type of credit in over 7 years. XXXX asked me to file this report.
Consumer complaint received 2023-01-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have been calling Experian to remove these XXXX inaccurate addresses on my credit report for a while now ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX regarding removing these inquires now ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have been asking for them to show me to show me steps and process they are taking to look at my case and i have not yet received any updates or mail regarding my issue, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 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 in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. (
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

1.WellsFargo credit card payment for account due XX/XX/2023. 
2.Made credit card payment of {$230.00} via telephone to WellsFargo on XX/XX/XXXX, approximately around XXXXXXXX XXXX XXXX and I noted the reference number for the payment # XXXX. 
3. WellsFargo representation was that an overage fee was included in the payment due on XX/XX/2023. 
4.This morning received an email from WellsFargo that my payment was due today, XX/XX/2023, 5.I called WellsFargo at XXXX this morning around XXXXXXXX XXXX XXXX and went from the automated system to a live representative with advisory from WellsFargo automated system at the call would be recorded. 
6.The young lady I spoke to looked into the system and noted she did see the payment made on XX/XX/XXXX with a reference number XXXX. 
7. I told WellsFargo representative that I had checked with my credit union account after receiving notice by email on XX/XX/XXXX from WellsFargo payment due that the funds had not yet been withdrawn and that was an unusual practice as other payments made to other credit companies hit the credit union immediately for withdrawal. 
8. The WellsFargo representative that was the problem, that I should talk to the credit union. 
9. The issue lies with WellsFargo. The are somehow withholding the processing to garner late fees on unsuspecting credit card holders which may result in double payments to them in addition to the late fees
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

at the beginning of the pandemic, I contacted the bank JUST TO INQUIRE about the forbearance program. I DID NOT REQUEST TO PARTICIPATE. My mortgage was set on auto pay and I had no issue making my payments. Suddenly without warning my mortgage payments stopped being drawn from my account. I tried to find out why this was happening and came to find out that they had placed my account in forbearance. I tried without success to get the bank to resolve the issue as I was then having to send my payments by check. Statements were all screwed up and I'm certain that payments I made were not being credited properly or at all, not to mention having additional interest and principal backloaded on my account because of the forbearance that I DID NOT REQUEST. None of it made any sense and it took me over a year to get this resolved with the aid of an attorney. However, I am not satisfied that this was corrected properly and all I know is that the forbearance was removed. Now since my mortgage is variable, I will now have to pay a higher rate of interest for payments not credited or added to the back of the loan.
Consumer complaint received 2020-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (DC)

1. Original Account Number 2. Date the original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

I have no knowledge of this account. Please provide validation that this is my account with a signed contract by myself.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

I contacted Ally Financial to withdraw the funds from my account on the evening of XX/XX/XXXX. They told me my savings account was placed in a " dormant '' status since I hadn't added funds to it even though they never notified me about this status change or what I could do to prevent that from occurring. I then told them to close my account and withdraw the funds from my saving account to my linked XXXX XXXX XXXX. They told me that it would take XXXX - XXXX business days to close the account and transfer my funds. 

I contacted Ally again on XX/XX/XXXX and they said the transfer was in process. When I contacted them again on XX/XX/XXXX, they said there was a mistake and they failed to transfer my funds. They promised to escalate this issue and provide me an update on the XXXX. Since I didn't receive an update, I contacted them again on the XXXX. They said the account closure and fraud teams had outstanding questions which was preventing the transfer even though they didn't ask me any questions. Since the money was being transferred to the same bank account that was used to transfer funds into the account in XXXX, there should be minimal fraud concerns. Again they promised to respond to me later that day with an update. 

Since I again failed to receive an update, I contacted them again on the XXXX. They said the fraud review was completed but still didn't know when my funds would be transferred to my bank account. Repeated requests to escalate this issue and/or speak with a XXXX who could resolve this issue were refused. 

The absolutely horrible service that Ally delivered should be a warning to everyone never to use their service since there are many other financial institutions who provide better saving deposit rates with much better service.
Consumer complaint received 2023-01-21
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. ()

Dear XXXX, I have received your letter. 
Unfortunately, the Champion Mortgage statement does not reflect reality. 
So for my mother, XXXX XXXX, as of XX/XX/XXXX, her reverse mortgage debt with interest was {$230.00} On XX/XX/XXXX, for the XXXX reverse mortgage loan, XXXX XXXX signed a deed for a reverse mortgage of {$77000.00} with XXXX XXXX XXXX. 
This brings XXXX XXXX 's reverse mortgage debt to {$310.00}, plus interest, plus insurance, for a total of {$350.00} The document ONLY SIGNED by my mother at XXXX XXXX on XX/XX/XXXX clearly states that she can take out XXXX of the {$77000.00} reverse mortgage loan in the first year, XXXX, and the second portion in XXXX. 

My mother suffered a XXXX  XXXX on XX/XX/XXXX, was incapacitated, and neither my mother nor anyone else used the {$77000.00} reverse mortgage. The $ XXXX was not deposited into my mother 's account at XXXX XXXX XXXX XXXX was unable to verify that the {$77000.00} reverse mortgage loan was transferred to my mother 's account. 
The Consumer Protection Department provided a relevant response that the {$77000.00} was transferred to Champion Mortgage to settle the reverse mortgage loan. I assume to pay off the {$230.00}! 
To summarize, Champion Mortgage, XXXX and Everyone listed my mother yone listed my mother as having taken out a reverse mortgage loan for {$77000.00} on XX/XX/XXXX, but that is not the reality.The reality is that my mother ONLY signed the document for the {$77000.00} reverse mortgage loan on XX/XX/XXXX, but my mother did not receive any money!!! 
I would like to get proof from Champion Mortgage that my mother, XXXX XXXX did in fact take out the {$77000.00} reverse mortgage and was entitled to the {$350000.00} debt!!! that my mother 's guardian paid to XXXX. 

Further, I am requesting proof ( bank transfer receipt from Champion Mortgage ) showing that Champion Mortgage received the {$77000.00} reverse mortgage loan!!! 

Champion Mortgage should send me a certificate that my mother received the {$77000.00} reverse mortgage! Evidence!!! 
It was not in my mother 's account at XXXX XXXX. 
XXXX was unable to provide proof of the transfer. 
On XX/XX/XXXX, my mother ONLY SIGNED the document but did not receive any money. 
The amount of {$77000.00} was transferred to Champion Mortgage!!! 

I quote below from the email of XXXX XX/XX/XXXX : XXXX XXXX XXXX Washington State Department of Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " These funds were not sent to his mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. '' Thank you. 
Best regards, XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I WAS NEGATIVELY IMPACTED BY THE XXXX XXXX PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION XXXX ).
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (TX)

i sent letters out to the XXXX bureaus regarding inaccurate information and they have failed to respond. XXXX XXXX failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with asset care. there is also XXXX other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX  please delete
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I have an auto loan with USAA Federal Savings bank. The 2012 XXXX XXXX struck a deer last Friday. XXXX XXXX told me I had to let them tow my truck to XXXX XXXX in XXXX, KY, because the adjusters want to look at several vehicles at the same time. For cost savings. XXXX XXXX insurance contacted me with the results. They deemed my truck as a total loss. XXXX XXXX states in the email that I only have 2 days to send them my truck title. I asked the claims representative with XXXX XXXX, what the cost was for myself to buy back my truck. I was told that it would cost me XXXX to buy my truck back and it had XXXX in damages. That's impossible if you do the math. XXXX XXXX must have contacted my bank without my permission to get details on the current payoff of my vehicle loan. XXXX XXXX came up with the payoff value within 1 monthly payment. I also paid for " Better Car Replacement ''. XXXXXXXX XXXX basically figured out my loan payoff and ran the numbers to come out an estimated XXXX after they applied the better car replacement. They under valued the 1 year newer vehicle. and basically are ripping me off a several XXXX dollars. How can they say my current truck is valued at estimated XXXX with XXXX in damages then tell me I have to pay XXXX to buy it back. With the current vehicle value at estimated XXXX. The buy back cost should at an estimation of XXXX not XXXX the truck actually has about XXXX in damage. Its not totaled. Someone is taking advantage of me and my pristine truck with fully loaded. The next problem I am running into, is I found a replacement vehicle 2 years newer for sale a few XXXX cheaper than the XXXX  model that was deemed total loss. XXXX XXXX claims representative told me on the phone that he would immediately contact usaa so that I could purchase the replacement vehicle without having XXXX trucks on my loan valuation. Meaning, the totaled truck that XXXX XXXX is supposed to be paying off would not show up on my credit report or cause a problem with the banks scoring of my new auto loan. I explained in detail with the loan officer. The loan officer at USAA did not consider that my total loss vehicle was being paid off, and pre approved a loan with over 17 % interest rate. USAA used the information that I provided to them, not to give me sound solid advice about how or what to do about financing a vehicle when I need a vehicle to drive since XXXX XXXX took my truck to salvage yard, but instead USAA decided to take advantage of my situation and is trying to rip me off with an outrageous interest rate and loan terms. They are predatory lenders. A fair interest rate would be at 6.9 % for 72 months if they where actually honest in anyway what soever. XXXX XXXX should pay off the full balance of the loan for the total loss vehicle, plus the difference in value for 1 year newer vehicle of the identicle make and model.
Consumer complaint received 2023-01-20
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30, 60, and 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted Equifax multiple times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30, 60, and 90 days late since it's a closed account & Ive never been late. Please investigate this matter & update accordingly. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-20
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (CA)

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for 3-Months XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
Vance and Huffman , LLC. 
On XXXX, XXXXXX/XX/XXXX Acc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ;XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

On XX/XX/XXXX I called Newrez Shellpoint. For some unknown reason my automatic payment that has existed for years was stopped. I was fined for nonpayment in XXXX. I called and made my payment for XXXX and XXXX over the phone. They confirmed my payment. But, it seems Newzez or shell point recorded my bank number incorrectly. They never notified my of the problem. When I called them on the XXXX they said it is the banks job. They fined me again. Their customer service stone walled my questions and concerns. 

I have had this montage for years, no late payments. I am emailing my concerns because their phone behavior was outrageous and made me wonder ... ... lAre they targeting 3 % loans, is their training so poor they can be not helpful communication with customers, are they conducting shabby business practices???? 

My concerns stem from the abruptness of the rejection of the automatic payment ... is this a good audience to target, in addition to their lack of explanation and correcting the problem. 

In advance thank you for investigating Newrez business practices. 
XXXX XXXX