davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (MA)

Applied for a refinance, they checked my credit and took all my info. I asked if they could do a lower rate but they could not, so I said it 's ok, send me my loan estimate anyway, and they would just not send the estimate. This is the 3rd business day since I applied, so I tried calling and emailing again, finally they sent me a preview of one page of the loan estimate, and this does not include the rate quoted.. I asked for the other page but again, no answer.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Levy & Associates, LLC (OH)

I received a collection letter from Levy Associates LLC of a debt that does not exist. I requested information on this debt and they could not provide it to me. They sent me a copy of a Judgement dated 20 years ago and they sent it a couple of months after the collection letter was sent. The last time I looked at my credit bureau report the debt was not there. I am making this report so that someone knows that these people are committing fraud.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RateBeat LLC (CA)

I have contacted Rate beat llc, a mortgage company to do my re-fi after i heard about them in radio XXXX. I started speaking with the President, XXXX XXXX and provided some basic docs. day XXXX we agreed upon, no closing cost and LPMI. by reviewing my case he found a rate of 4.125 % with XXXX lender. I signed consents and provided details information. both my and my wifes credit score was pulled. I got conditional approval after 2 weeks and ready to close. After that I got another consent from a different lender. When I inquired, XXXX advised that the rates are better and they would do a rate of 3.75 % and submitted my details with another lender. I had to agree and went ahead with the consents signature and all other docs, like XXXX, XXXX, tax return, ssn, bank stmt etc. I got conditional approval from 2nd lender also. I was also charged for some transactions and when asked i was told it will be returned during closing. After 2 weeks when I started following up they are saying i am not eligible for the loan program they put me under. This is really not correct and unacceptable. They would have found the program eligibility from dayXXXX itself and not after conditional closure. I believe they are not reliable and trustworthy. Before anyone becomes the victim like me, it would be better the govt. know about this and take proper action. Also, please advise how can I challenge their process and the way they handled my loan. If there is a legal way to handle this? I am concerned about all my and my spouse personal and financial details including ssn is with them which can be compromised. Please help!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-11-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (OR)

I was approved for a modification through Vanderbilt mortgage and financial, inc. XX/XX/2016. My probationary period was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made XXXX payments without any problems. Then at the end of XX/XX/XXXX I was wrongfully terminated from my job leaving me with no income. I was able to borrow the money and called to make the payment on XX/XX/XXXX, I was informed that they would n't accept the payment and that my house would be auctioned off on XX/XX/2016 no exceptions. I received a letter dated XX/XX/XXXX which I did n't receive until the XXXX, stating I did not accept the trial payment plan and that there was no other relief they could offer me. I called on XX/XX/XXXX to inform them again that I was unemployed and that I was lead to believe that the forbearance could be extended because of this. They informed me that nothing could be done and that my home would be auctioned off on XXXX I have not been served or mailed any documentation stating that date. I have only been told XXXX different dates verbally over the phone. I am a single mother of XXXX children and I live in a very rural area that currently has a housing crisis and many people are homeless. If my home is sold I will be homeless as I am unemployed and suffering from anxiety and XXXX from the stress of loosing my job and my house back to back. I answered yes to the question below regarding did they help prevent foreclosure because they did when I was approved for a modification.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third bank but a hold on funds on my account for two weeks without informing me. IN the terms and condition it does say your funds are subject to a POSSIBLE hold of up to 10 days. I would think that the bank would be courteous enough to inform you if this hold is occurring on your account or not. They are not. They let me attempt to use the card and be forced to contact them to find out what was going on when the account did not work. I was given XXXX answers of why I got a hold by Fifth Third. 1 was that I was a new account and they had to verify the funds and the bank was the only ones who could do it. The second was that the account was overdrawn and that because the I made the deposit through the ATM that the atm automatically held it for XXXX days. The third was that since I deposit the check yesterday but it was dated for today they held it to make sure the funds would post. I left with complete confusion as to why my account was placed on hold. I still did not receive a answer and the staff in the mean time were extremely rude to me. I was hung up on twice and when I specifically requested a letter stating that their decision is preventing me from being able to pay creditors I have and they denied the request. My issues is not the policy my issue is the Bank not informing you when your account it put on hold and when asking not getting one clear answer.
Consumer complaint received 2017-03-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (PA)

My mortgage was bought by XXXX. The new company Vanderbilt reported me as 30 days late on a payment. I asked Vanderbilt home mortgage to send me my payment history which they did and it shows I was never late and never missed a payment. They will not remove this derogatory finding from all XXXX credit bureaus.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Good afternoon, This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the Credit Bureaus is deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

The following accounts remain inaccurately reported : XXXX. **Account with XXXX XXXX XXXX XXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX XXXX XXXX XXXXXXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX  XXXX XXXX XXXX checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

on XXXX/XXXX/2015, My bank at that time, Fifth Third of XXXX XXXX Ohio accepted a fraudulent check that they knew was fraudulent because it was flagged immediately and cashed by someone using my identity in another state. On that date. I immediately went to my Fifth Third branch and told them that they should not accept any check and to verify the signature before releasing any funds. I WAS VERY SPECIFIC IN THAT I TOLD THEM TO NOT TO RELEASE ANY OF MY FUNDS AT ALL WITHOUT MY EXPRESS APPROVAL IN PERSON. They already knew it was a fraudulent check, but cashed it anyway, as they had called me into the branch. They claimed that I had authorized release of funds from this person in another state and accused me of money laundering and that they were closing my account and not giving me my money back, which was well over {$2700.00}. Even though I had been a customer for over 14 years ; They cleared me of wrong doing, they refused to give me any funds back and refused to do business with me. I had insurance specifically for this through the bank. No signature verification was done, and I also had daily limits on my ATM withdrawals prior to this- so this had to have been done by a teller. I asked them to call the police or the FBI, which they refused to do. I told them that I intended to do so, and they threatened my, telling me that the burden of proof would show that it was my fault, and that I would go to jail.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

Our mortgage was sold to Freedom mortgage soon after we closed. As soon as they got over, all XXXX broke loose : 1. We were told as soon as the mortgage balance dropped below 80 % of original loan, we were going to be able to recast the loan and get rid of the escrow. We called several times. Every time we called, the person at the end of the line was telling us a different story. We have several names of people that we called and we can produce evidence/records of these calls. 
- we sent our request in writing for the above things to happen - we sent the payment in, plus the recast fee ( they actually double charged the recast fee ) - Our loan balance reached below 80 % on XX/XX/XXXX. However, they did not recast our loan until XX/XX/XXXX after calling numerous times. 
- We were told the PMI was going to be removed when the loan ratio dropped below 80 %. Even the end of year documents received show that should have happened AUTOMATICALLY under the Homeowners Protection Act of XX/XX/XXXX, but although the loan ratio is now ~36 % we are still paying escrow and PMI. 
- they paid our property taxes twice, first in amount of {$3000.00} ( which is correct based on the paperwork received from the county ) and another time in amount of {$3100.00}, which there is no evidence of what this amount is. The end of the year document lists this as " XXXX '', however the amount for school was already included in the {$3000.00}. 
We are at the end of our rope. We do n't want to call anymore only to be told that things are going to happen soon ... .but they never will ... Please help
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP (WI)

This is a complaint on a Associated bank Employee XXXX in Corporate security He closed my checking Account with out any notice I was completely embaresed When I tried to use my debit card to get my medicine and it denied my card multiple Times I went out side and contacted the bank they informed me that my account has Been closed and forward me to XXXX he told me my account was closed due to misuse And I am not aloud to Bank with Associated Bank any more and this is not a charity I am concerned about my social security money that is deposited on the XXXX I am in the process of Trying it change it with socal security but I am not sure that they can do it so soon he refused to try to work with my or reopen my account.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I responded to an offer I received from 5/3 bank back in XXXX of 2016, stating that new bank customers that opened new checking accounts would receive {$200.00}. I opened the account online and visited the local branch with the offer code and to finalize the account with a signature and deposit. The terms of the offer explained that in order to receive the {$200.00} I would have to have direct deposit from my employer and complete XXXX online bill payments. I have satisfied all conditions of this offer as of XXXX/XXXX/2016. I have not ever received the {$200.00} for this offer. I have called more than 20 times and I keep being given the run around. I even corresponded through their face book and social media group which finally did call me back and left me a message stating they would honor the offer and wanted me to call them back. This was more than 2 weeks ago and they have still not honored it. I have left more than XXXX voicemails and never get anyone to answer when I call the number they provided. They claimed that they spoke to me on XXXX and that the issue was resolved, but I never spoke to anyone and the issue is not resolved because they have still not honored the offer. I think this is extremely deceptive and coerced me into utilizing account features that I would not normally use to only not have them honor the {$200.00} bonus for completing the stipulations. I think this offer should be honored unless they can show that I have not completed the conditions and they should immediately deposit the {$200.00} into the account as promised.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America sold my mortgage loan to a 3rd party company. The problem is that is being sold to XXXX XXXX XXXX, XXXX. After doing research on this company, I have discovered this company has a LOT of bad reviews. Does the consumer has a right to pick where their mortgage is being sold to? Or can the consumer have a say in what company their mortgage is being sold to. What if the company it is being sold to is known for problems.
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CONTRACT CALLERS INC (NM)

Received a phone call from ( XXXX ) XXXX. The caller said they were with a company named Contract Callers , Inc., on a recorded line, and they had a personal matter to discuss with ( My Name ). First, they would need my personal address to discuss any further. I declined providing personal information unless she provided employee name, employer address, and telephone number in accordance with the FTC 's Fair Debt Collections Act. She simply said she was not going to provide this information and the phone number is on caller ID. I, again, declined to provide sensitive information until she provide the information. She said she was noting that I declined to verify and could not longer proceed further with phone call. I agreed and she hung up. I proceeded to research the company. I found out the company has made fraudulent attempts in the past.
Consumer complaint received 2016-11-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STERLING JEWELERS, INC. (OH)

Sterling Jewelers 30 day dept continued to call me after I explained that my wife lost her job and gave them a date I would pay asked them not to call me again on 3 occasions all 3 times I said Cease and desist. The rep ended the call and the next rep informed me that the only notes from the previous call were refused to pay. I explained that I told them the exact amount and date I would pay. Ic also told them to Cease and Desist. This did nothing to stop the harassment. They also tell me it wil be out of department if I do n't pay right then this is not true and the threat that they have or are reporting to credit bureaus if I do not give them my credit card info that day is false, they do not report until 90 days late. These reps have ignored multiple requests to not call my cell phone, do not call during working hours, Cease and Desist, do not call until after the date I said I would pay and to stop harassing me. They either do not keep accurate documentation of conversation or lie and mislead me by saying the notes do not exist. I have told them why I am late and promised to pay on a certain date asking for no more harassing calls unless I do not pay to no avail. These rude reps cut me off demand post dated payment and say I am ending this call and hang up after I tell them this is cell phone and I want harassing rude calls to Cease and Desist they then do not notate my account in order to calll numerous times per day threatening to transfer account to another department if I do not post date or call someone and borrow the funds. This department transfer does not happen and either does reporting. I paid cpayment due on the date promised and they continue to call my cell multiple times per day hanging up when I answer. This company is harassing me on my cell, during work, while I am sleeping, after a promise to pay with a date commitment and request for no more calls, multiple calls after being told one per day if they wo n't Cease and Desist, hang up calls after paid, mid documentation and misleading threats. Please stop them. Until my wife lost her job I was never late always lapaying more than due. Explained loss of income and was told to borrow. The HARRASSMENT has to stop or I will be unemployed also. I owe them less than XXXX and have asked for a change of due date so I wo n't be harassed to no avail. Still receiving hang up calls on cell from numbers all over the country when payment has been made during working hours and when I call the number back and end call after hearing who it is they call back constantly until answered. What part of Cease and Desist this is a cell phone you are harassing me I will pay Friday please stop calling until then do not call will be late while wife is unemployed and no I ca n't borrow DO THESE PEOPLE NOT UNDERSTAND? All my other debtors work with me. Will never shop at any of their stores again. No harassment was involved in purchasing. Something has to be done to stop them.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (CA)

XXXX XXXX has been attempting to collect a debt which I do not owe. They have damaged my credit with charges which I did not incur. They are alleging that I owe {$6200.00} for a phone bill.This is outrageous and impossible as I have never spent more than {$100.00} on a cell phone bill. I contacted them and told them that I was a victim of identity theft and sent them a police report, but they never took the charges off. I have been very distressed as a result of this matter. This is not my debt and I do not owe them. I am a victim of identity theft and this is not my debt.
Consumer complaint received 2016-04-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Stephen Einstein & Associates, P.C. (NV)

XXXX end up on judgment entered on XXXX XXXX ( for {$1800.00} ). ( Filing date XXXX - disposition date XXXX XXXX, court- index number XXXX ) .I was XXXXe U.S. for 9 years ( XXXX issue ) Now i live in XXXX since XXXX ( XXXX ). I notice The Law Firm of Stephen Einstein & Associates put hold on my savings account for that judgment -hold for XXXX for XXXX judgment. On XXXX XXXX I was discharged in bankruptcy XXXX -Final decree XXXX/XXXX/XXXX ( this judgment was not in my credit report XX/XX/XXXX,XX/XX/XXXX-I have copy-and I do n't know about to add when I file for bankruptcy ) Thank you