davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC (TX)

My name is XXXX XXXX. I am a XXXX XXXX. For the last 6 months I have been trying to buy out the reverse mortgage my mother had on the house. The address is : XXXX XXXX XXXX, XXXX TX XXXX. Here 's just a little background. 

Starting about XXXX Mom was is very bad health with XXXX and other issues. She went into the hospital 3 times when a XXXX ( that she was prone to ) went XXXX. This had us on an emotional roller coaster as each time it happened it was a little worse. The second time she was in an induced come for 6 weeks and in the hospital for 12. The third time she never recovered. She passed away shortly after XXXX of last year. Myself, my sister, and my brother in California were labelled as executors on the will. 

Here 's the situation. I've been working with XXXX XXXX XXXX and XXXX XXXX to get financing to pay off Mom 's reverse mortgage with XXXX XXXX and take ownership of the house. I planned on living there as it is close to my sister. I had planned on moving there from XXXX XXXX for years. I had to move into the house since my apartment complex will not do a month to month lease. For the last 6 months I've been providing XXXX 's XXXX with all the documentation they required. I've had the foundation repaired and the fence replaced. I spent {$1000.00} on plumbing. All together, I've spent over $ XXXX XXXX dollars getting to this point. I've also payed for a Survey and inspections. We were supposed to sign the closing paperwork Tuesday XX/XX/XXXX. I received a call saying that somehow my name got on the title without my consent. This is news to me because I am not aware of a Transfer on Death Deed. I have also not signed anything that would give me ownership. 

What XXXX 's XXXX told me that due to a Texas Law they could no longer finance me. As you can imagine, I was shocked, disappointed, and discouraged. I called XXXX XXXX and they said that they could not either. I think they mentioned a lien against the house. I am not really sure because I was still in shock at the time from the news. If there is, it would probably be by the reverse mortgage company XXXX XXXX. I'm just not sure. Right now I just do not know what to do. I'm working with XXXX XXXX, but it's hard to be positive since XXXX XXXX  said they couldn't help. 

I'm really angry because I did everything that they asked of me. Now someone illegally has gone in and just before closing ( and thousands of dollars later ) crushed my hopes of getting into this house. To my understanding of the Law, no one can force me to accept property without my consent short of a Transfer on Death Deed of which there was not one. I am looking for help.
Consumer complaint received 2019-01-22
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. (CA)

About 6 months ago now I try accessing my credit report online through Experian services. My credit report was blank, I could not see any of my accounts or credit score. So contacted Experian office out in XXXX XXXX California When on the phone with them I explain the problem and told them neither my self or anyone else was able to pull my credit report. I've gone through different website to pull my own report but had no luck, I've called them numerous times and every time i speak to someone they tell me they have to open a ticket for a different group in there department are able to resolve his matter. Yet in the end I don't get any results from them.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/XXXX Shellpoint Mortgage Service asked for proof that I could bring the mortgage current. They insisted on seeing a bank statement. 

I had sold my XXXX property in XXXX XXXX, XXXX  in XX/XX/XXXX and had more than enough to bring the XXXX  mortgage current. 

Shellpoing refused to provide me the payoff to bring the mortgage current, instead after reviewing the bank statement, they wrongfully foreclosed. I have attached to this complaint the XX/XX/XXXX bank statement they reviewed and the XXXX they issued last year showing the total of principle and interest was $ XXXX ( at the I did not owe in arrrears $ XXXX ) I am reading this article @ https : XXXX # : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, Sell % XXXX % XXXX % XXXX ... % 207 % XXXX % XXXX. from XX/XX/XXXX and see that the article mentioned that " XXXX state attorneys general are getting ready to launch major investigations into the already beleaguered mortgage industry, concerning foreclosure document improprieties. '' I would like to officially complain that they took the property without due process and while reviewing for modification and refusing to provide payoff until after they already foreclosed then I get the message from them of the payoff amount.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TX)

I am writing this concern therefore to facilitate your understanding. Back in XX/XX/2022, I received a negative late payment item was listed, I lost my job and created a late payment, despite the actual fact that I scorned receiving this late payment. I do feel precarious relating to it even presently, however, I did get current on the account # XXXX XXXX, as presently as my financial standing improved. I actually have been working hard to create a financial responsible alternative and have better control of my money and secured employment. 

I was looking to get a higher credit limit with Dillards in the near future, and it has come to my attention that the late notation from the company may prevent me from taking full ad- vantage of the best interest rates available. Since that notation does not reflect my current status with Dillards, as it is current, I am requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at Dillard 's and I plead for such consideration.
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-09-03
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. (FL)

ATTENTION CONSUMER FINANCIAL PROTECTION BUREAU Experian continues to CLOSE MY DISPUTES AS EITHER DUPLICATES OR WIH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I have been sending letter and uploading documents since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 
1 ) I HAVE PROVIDED THE FTC AFFIDAVIT.

2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS.

3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK XXXX/XXXX XXXX   XXXX FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 
4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 
5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. XXXX/XXXX  XXXX   XXXX  IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX/XXXX  XXXX XXXX  ''
Consumer complaint received 2022-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car XXXX XXXX XXXX
Consumer complaint received 2020-09-03
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)

After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did XXXX and have been going in a big circle with trying to get theses unauthorized inquiries off.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

Western Union is the financial institution that opperates in XXXX. The problem is that XXXX Americans living un the UA need to help our families there, so se send money through WU in USD and the WU complete the transaccin instruccin CUC the cuban currency that has no value. Why not given our famlies in XXXX USD instead of cuban CUC?  The exchange is unfair.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this 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. 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. 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 n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (PA)

On or around XXXX XXXX I reported to Grain Technology , Inc that I needed to change my bank account so to fraud issues with my XXXX bank account. No one ever responded until XX/XX/XXXX saying they are backed up completely ruining my credit and livelihood .i finally was able to use my account and Im XXXX XXXX I paid XXXX $ onto my bill and my bank statement shows they took the money. On XXXX XXXX I received a email sayin it did it clear. But my {$40.00} is still gone and it shows no payment on they credit app.these people are plying with peoples livelihood and relying on a computer to run the business They dont respond and add multiple late payments to your credit card
Consumer complaint received 2022-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CT)

XXXX XXXX XXXX ( XXXX ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid. 

In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to XXXX XXXX XXXX in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from XXXX, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for. 

Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. XXXX fee. 3. Personal property tax owed. 

I requested a complete ledger from XXXX via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX BALANCE through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication. 

Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, MRS BPO , LLC, in an attempt to collect {$810.00} on behalf of XXXX XXXX XXXX. 

At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!
Consumer complaint received 2020-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a Merrill brokerage account in XX/XX/XXXX in branch. At the time I believe I was offered {$1200.00} in bonus for opening the account. I have funded the account the same month and met all other requirements. To get the bonus I was supposed to wait 6 months, which I did. 

On XX/XX/XXXX I contacted Merrill support to enquire about the bonus because it was already more than 6 months and I haven't received it. I was told that the person who helped me open the account has not submitted bonus request for my account. So either Merrill representative lied to me or there was a problem in the Merrill system. The support representative said that they can submit application for my bonus. 

On XX/XX/XXXX I had another conversation with support confirming that I will get a bonus. I was told that I can either get a {$900.00} bonus or if I wait another 3 months I will get a {$1500.00} bonus. I agreed to the latter and asked for email confirmation. The representative verbally confirmed that they will send the email, but I never received it. 

On XX/XX/XXXX I contacted Merrill support yet again to inquire about the bonus and ask to get an email confirmation for specific dates and amount I can expect to get. I got another verbal confirmation, but never received any emails. I also asked what would be the latest deadline for the bonus. I was told that I will definitely get it by XX/XX/XXXX or earlier. I notified the representative that if I don't received the bonus by XX/XX/XXXX I will be forced to file a Consumer Financial Protection Bureau complaint against Merrill. 

On XX/XX/XXXX I contacted Merrill support yet again to confirm that we are on track and asked why I have not received any email confirmation. The representative confirmed that I should get a bonus, but he doesn't know the date and he said he will contact me if the date is later than XXXX XXXX or if there are any other issues. I have not received any communication since then and I have not received my bonus. 

At this point I have no choice but to file a complain as Merrill consistently failed to deliver on their promises.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I received multiple alerts from my credit monitoring company advising me that my credit report was being accessed on XX/XX/2022 by XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I reached out to these companies to inform them that I hadn't applied for an account with them and to make sure an account wasn't opened. All advised me that no account was established in my name. I then reached out to notify the credit bureau Equifax of the fraudulent inquiries that appeared on my credit report as a result of this attempted fraud. I have made multiple attempts to fix this issue with Equifax to no avail. I have explained the situation to multiple agents, I've sent letters ( per their request ), and I have filed a fraud complaint with the Federal Trade Commision and submitted this documentation to Equifax. 

In accordance with the Fair Credit Reporting Act this violates my rights. It is unlawful to knowingly report inaccurate or fraudulent information on a credit report.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

I have submitted a inquiry to refinance my second home with Quicken Mortgage and I was contacted by phone by XXXX XXXX | Associate Banker, Direct : ( XXXX ) XXXX NMLS # XXXX on Thursday, XX/XX/XXXX. 

The broker appeared very knowledgeable and professional, however when we got to the point where he shared with them the loan he proposed, he refused multiple times to share with me the Loan Estimate document for the loan. He only offered to share numbers over the phone. The following is our last conversation over SMS, he has not replied nor contacted me since then : [ XXXX ] : Happy Saturday XXXX! I just want to let you know I am in the office for a few hours today helping a handful of clients get their loans locked in before the month ends. Do you have any questions before we move forward? 

[ Me ] Hi XXXX. Can you please send me the loan estimate document over via email with all the details. I need to do some math to see if it makes sense for us to refinance. 

[ XXXX ] : I don't have the ability to send a Loan Estimate until the application is printed otherwise I would gladly do it for you. Please give me a call when you have a moment and I will go over the numbers with you again so you can write them all down. And then crunch the numbers for yourself [ Me ] : When will the application be " printed ''? I won't be able to make a decision until I receive the Loan Estimate document.

I understand that lenders must provide a Loan Estimate document as a way for consumer to compare different loan products. The fact the he went silent after I directly told me that I was not going to move forward without viewing the Loan Estimate document tells me that something is not right with the loan product he wanted to sell me.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

Discovercard Actual Statements : The uploaded documents I received from DiscoverCard Shows DiscoverCard is intentionally and maliciously reporting wrong data to the credit bureaus. 

This XXXX because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on XXXX credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over XXXX old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where Discovercard has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows XXXX thing and these show another! XXXX going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!