davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Quicken pre-approved a mortgage to me for a home in XXXX on XX/XX/XXXX. As you can see from the letter, " the loan [ was ] formally underwritten and pre-approved subject only to receipt of a satisfactory appraisal, purchase contract and preliminary title report. '' We provided all documents timely to Quicken through our mortgage broker. Initially, we did not file our tax returns for XXXX, as I had submitted my business tax returns for XXXX. Quicken came back and said I actually needed to file my taxes in order to fund the loan, so we did. I owed an additional $ XXXX in XXXX taxes, and Quicken needed proof of payment plan which would take 60-90 days, so we paid out of pocket, in part using credit cards to meet this obligation rather than the lower interest IRS payment plan. 

We extended the loan contingency one week to allow enough time to pay the IRS and FTB, with a new date of XX/XX/XXXX. On XX/XX/XXXX, Quicken informed our broker that they could not fund our loan because the new home was over 75 miles away from my office and I had " travel expenses '' reflected in my XXXX taxes, which they concluded that meant that I couldn't be a remote worker. I drafted a letter of clarification ( the travel expenses were largely the result of two retreats and one pro bono week-long activity ) and Quicken still refused to fund the loan. This was the day our loan contingency was due to be terminated, and the first we had heard of this issue. 

They asked us to perform, and we jumped through hoops, and now we may lose the house because of their changing policies and inability to discuss issues at the onset of the process. They blamed COVID for the changing policy, but we were never informed that they could change policies after we accepted and performed at their request. This is unacceptable, they should not be able to provide assurances that we are underwritten and then pull the rug out for such a silly reason ( BTW, I am XXXX and I work remotely ). I would not have put an offer on the house if I knew that I wasn't really underwritten. This is deceptive. Now that we have already put our 30 days at our rental, we are stuck-and the other lender that our broker identified has a much higher interest rate and we would not have acted pursuant to these terms, but now we have no other choice. Quicken should honor their promises, especially when we already accepted and performed at their request and their assurance.
Consumer complaint received 2020-08-26
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: Freedom Mortgage Company (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have a past and closed child support listed on my credit. It is incorrect. When I was ordered to pay support I started behind and immediately made a payment plan with the child support office. I paid according to the plan. However on my credit report it shows I was 180 days behind. I was not. The credit agency has never got in contact with the child support office. I spoke with the office and they received nothing to review the information. They agreed with me that my account is paid in full and closed. I have a letter from them. It shows on my report that I was still 180 days behind the month before it was closed. When you normally use your credit. Say you purchase an item and its XXXX with a payment of XXXX a month. You are not immediately labeled as being delinquent on said loan.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (LA)

I have repeatedly ask this company to close this account and they refuse to close it. Theyre reporting that Im late on my charges and I dont have any charges. Theyre adding on exuberant charges for late fees and all other kinds of fees. It went from a {$250.00} charge card to a almost {$800.00} due to fees and other late charges. Theyre one of the companies ruining my credit, these companies give you a card and all of a sudden ask these hidden fees come into effect. I need help, this pandemic is not going away and I dont have any money to pay extra for fees and late fees I never incurred. How can they say I owe them and I have available credit of {$68.00} per their website. Hows that possible.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XX/XX/XXXX INQUIRY XXXX/XXXX   XX/XX/XXXX INQUIRY XXXX XXXX  XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY This information does not relate to any information that I have made. I have enclosed a copy of my IDENTITY THEFT REPORT. In addition, I have enclosed a copy of SECTON 605B of the FAIR CREDIT REORTING ACT, which details your responsibility to block fraudulent on my credit report resulting from IDENTITY THEFT.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company (MN)

I tried to refinance home through freedom mortgage and was told there is a lien on my home when in fact this is not true there was a stipulation during my divorce if I did not refinance there would be a lien put on but I in fact refinanced the home in the time frame I was given. when I try to contact no one seams to get back to me
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (PA)

Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with XXXX  and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XX/XX/XXXX, XXXX  XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until
Consumer complaint received 2020-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with XXXX and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XX/XX/XXXX, BANK OF AMERICA Account XXXX, XX/XX/XXXX On Record Until BANK OF AMERICA Account XXXX XX/XX/XXXX On Record Until
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-26
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. (NY)

Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services  company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Request deletion of account as information is not accurate per FCRA 611. Plus this is double " jeopardy ''. And the account does not have LAST DATE OF ACTIVITY. 

Please provide method of verification. 

XXXX  Report This is account is being reported twice on XXXX  as XXXX XXXX XXXX  Charge-Off # XXXX with balance {$0.00} and credit limit of {$400.00}. 

Then reporting again with XXXX XXXX XXXX # XXXX with a balance of {$1000.00}. 

TransUnion Report The account is being reported twice again, but as XXXX XXXX XXXX # XXXX with a balance of {$1000.00} Open in Collections, which is another violation of the FCRA.
Consumer complaint received 2020-08-26
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. (FL)

XXXX XXXX are reporting disputed inaccurate account # XXXX. The balance, last payments and addresses showing on the alleged statements as well as ownerships and other information is inaccurate, therefore please investigate and delete asap.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Up until XXXX, every month when I paid my mortgage I would get an emailed receipt. Since XXXX I have been unable to get a receipt for my payment. I save the emails, and save the PDF receipt by month and year to ensure that I have all my records. I have reached out to the company twice now and they respond that they are aware of the issue and will resolve it at a later date, contacting me once it is resolved. I want my receipts, it is that simple. I want the PROOF that my payments have been made and there is XXXX excuse on why they can not provide me with my proof of payment. I get my statements without issue, shouldn't be an issue getting my receipts either. What is worse, when you contact them the system they use is external to their website so you have no record of the contact. Its as if they are attempting to hide the problem. Something is very wrong here.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION (CA)

For our business, my wife XXXX and I opened a line of credit with BBVA and have accumulated {$69000.00} in principal. The bank has sent notice stating the following, ... your loan will mature on the date noted below. For your convenience you may mail your final payment to BBVA USA address above. The amount due is {$71000.00} which we can not possibly afford to pay. When my wife discussed the issue at the branch, she was told she would need to re-apply for a new line of credit at a higher interest rate ( current is an outrageous 9 % ). Further, when she mentioned that she was never told about this loan maturity issue, the branch agent feigned surprise. If this is not predatory lending, I dont know what is. Please help.
Consumer complaint received 2020-08-26
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: NAVY FEDERAL CREDIT UNION (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
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: Nationwide Recovery Systems, Ltd (FL)

I have a loan with XXXX/XXXX, NATIONWD REC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, NATIONWD REC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
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. (AR)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are not mine. Please remove these items from my report. XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$580.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-26
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: I.C. System, Inc. (FL)

I have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX ). I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and I C SYSTEM ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019 ),  moreover I was never 90 days late ( XX/XX/2019 ), lastly I was never 120 days late ( XX/XX/2019, XX/XX/2019 )
Consumer complaint received 2020-08-26
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: National Credit Adjusters, LLC (TX)

On XX/XX/2020 National Credit Adjusters added a derogatory mark on my credit report profile per the credit report on XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debt collector did not verify the collection. Also, there was no written form of communication for contract or signature for this accused debt.