davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

I spoke with my loan consultant at Better ( XXXX ) via phone to discuss my loan. We discussed the appraisal process and that the appraisal would be ordered and scheduled when I arranged that time with Better. I confirmed that the appraisal would NOT be completed prior to my scheduling the same as I was waiting on the inspection report and was also in the process of shopping for rates from other lender. I was assured that was not the case and XXXX encouraged me to continue shopping for lenders as Better would match any offers by other lenders. 
I received an email on XX/XX/XXXX that my appraisal was ordered. I confirmed that I did NOT want the appraisal completed and was assured it would not be completed until I scheduled the same. I received an email on XX/XX/XXXX that the appraisal was scheduled and on XX/XX/XXXX received an email that the appraisal was completed and would be sent to me. The appraisal was ordered without my permission when I EXPRESSLY prohibited the same until my consent was given. 
As a result of the appraisal being ordered without my permission and having received little to no communication regarding my loan from XXXX after multiple attempts for assistance through the application process, I decided to proceed with another lender. 
On XX/XX/2022, I sent an email to my loan consultant XXXX and a team leader XXXX requesting my appraisal to be transferred to another lender for closing. I did not receive a response to said emails. I received a call from another loan consultant who attempted to salvage the mortgage. After several conversations wherein we reached an impasse I confirmed via phone that the appraisal needed to be transferred and was assured the process would be completed as soon as possible. 
My new lender and I have sent multiple emails to Better attempting to request the appraisal be transferred. I close on XX/XX/22 and it is now XX/XX/22 with no completion of the process. I have been told Better is waiting on a " paid invoice '' before they will release the appraisal. There has been no contact with me directly outside of my numerous calls into Better wherein I am constantly told everyone is on a call or a meeting and I'll be responded to, but I do not receive a response. I was charged {$550.00} for the appraisal on XX/XX/XXXX. The amount has cleared and was given to Better for an appraisal that was not permitted to be ordered.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I am refinancing my mortgage. I started the process with Quicken Loans. The initial disclosure was what I expected. The final disclosure was drastically different with less cash out, I wanted to know why so I read it. 

They added on discount points ... however my rate was the same, no discount. They had me at a 4.5 % rate with 2 points at about {$7000.00} tacked on. So not only was the rate above average at the time, but they were also charging me for it. 

I went to another company and got a lower rate with no points. 

The reason for my complaint? 

1 ) They added it on at the end 2 ) The discount points are supposed to be bought in an agreement for a rate discount, there was none, I was given that rate which was above average and was never asked if I wanted to pay points to lower the rate. 

Is it illegal to charge discount points on a mortgage when the client is not made aware, and no real discount is given for paying said points? 

It seems like what would be an illegal practice to charge discount points without giving the discount on the rate
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was in XXXX forbearance program with XXXXXXXX XXXX XXXX effective XX/XX/XXXX. 
On XX/XX/XXXX, I received a modification package from XXXX XXXX XXXX. I returned the package back to XXXX XXXX XXXX on XX/XX/XXXX. The modification was approved XXXXXXXX XXXX XXXX advised me the payment amount was determined at {$1900.00} the interest rate was XXXX percent. 

XXXX XXXX XXXX sold the loan to XXXX XXXX I reached out to XXXX XXXX  on several occasions, but on XX/XX/XXXX XXXX XXXX informed me not to make any payments because they were going to send me out a modification package during the first, week of XXXX. I never received the package and then noticed they reported me 120-days past due on my credit report, this was around XXXX. 

When I spoke with someone at XXXX XXXX regarding the XXXX delinquency in XXXX, they stated it was an error and corrected my credit report. Now XXXX XXXX has reported me 120 days past due again to the credit bureaus and have not corrected the issue.
Consumer complaint received 2022-12-22
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. (SC)

Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which anthedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has responsible cause to believe that the information is inaccurate
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX XXXX  account has violated my rights 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 XXXXt 15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Back on XX/XX/XXXX, at XXXX XXXX in XXXX XXXX, I reserved a VIP table to celebrate a friends birthday. I ordered a ( XXXX ) Champagne parade, bottle of XXXX XXXX XXXX XXXX XXXX, as well as bottled waters & XXXX XXXX. I am not disputing this at all. I have the orignal reciept for {$5300.00} which is also the " Pending Amount '' that was put on my CC when the purchase went through. ( I have a screenshot of this showing on my BOA CC transaction history that night ). The amount XXXX XXXX charged my CC was {$10000.00} Time Stamp on the reciept I have is XXXX for {$5300.00}. BOA orginally credited my account {$5000.00}, the amount I disputed because the merchant did not respond. They only responded when realizing the money was refunded back to me. I made numerous attempts to contact thge GM of the club as well as the VIP host that went unanswered. 
On XX/XX/XXXX, BOA denied the claim after refunding me my money. They claim the Merchant submitted receipts. ( thise are attached ). I have MAJOR issues with the reciepts. Not only do they not have my signature ( one isntn even signed ), the time stamps don't match up. There are 3 different amount with 4 different time stamps. 
The additional amount that they charged me was for another round of a champagne parades which I did not ask for at all. The waitresses did this for themselves not for me & proceeded to charge me for it. Not only did I not get the $ XXXX receipt, I was told " Don't worry it's all set ''. This is FRAUD as they charged my card {$10000.00} for items I did not order & did not recieve. I've been in the nightclub busy 20+years, this is a scam & I have seen waitresses do this on many occasions. 
BOA customer service told me they can not believe me but only believe the merchant because they provided reciepts. Well I provided reciepts as well showing what I was originally charged. How is it that I have the original reciept with the correct amount & they have multiple reciepts with 3 different amounts & 4 different time stamps?

The signatures are not even close to mine at all & neither are the intials. That is clear as day,. BOA told me they can not base the claim on signature becuase my CC was not stolen!! 
This is FRAUD on the merchant & I should be charged the {$5000.00} for items I did not recieve or order.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage XXXX, TX XXXX XXXX Fixed rate impounded mtg. Escrow deficiencies more than satisfied on two different requests yet payment still went up claiming taxes and insurance went up. Well of course they did and I sent in more than you asked on both requests. Then they said it was for the safety margin and I said I would send more $ and they said they would refuse it. I will retire soon and I want to keep my payments as low as possible. If escrow is satisfied then payments should not go up, not one bit! 

My last contact with the Escrow Mgr or Supervisor at Freedom Mtg was approx XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I contacted the debt company of this unknown charge and they removed off of XXXX only and not the other bureaus. I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. 

ACCOUNT : XXXX NAME XXXX XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-22
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. (PA)

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

15 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

This complaint I'm wanting to file is about our mortgage company, Rushmore Loan Management Services. Our home was damaged in XXXX of 2020 and we had problems with our insurance company paying out for our damages. We had to hire a PA to work on our behalf. The process took almost 2 years. We sent all checks received to our mortgage company. We sent in our estimate from the contractor we hired to do the repairs. Our mortgage company sent us a check for {$40000.00} to get started on the repairs. After the repairs were completed we sent in the paperwork they required to get the remaining funds to pay off the contractor. We sent in what they asked for. They ordered an inspection and that was done virtual. The inspector said repairs were 99 % complete. After we completed the 1 % of repairs needed they sent out another inspector, this was done live. After they received the inspectors report they started saying that we needed an updated insurance estimate before they could send out the remaining funds. We have called our File owner XXXX multiple times and it has always been a different excuse every time. He takes weeks before he ever returns our calls and then he said we have enough money in damage funds to pay off our mortgage. I told him that we are not interested in paying off our mortgage because we have no problem paying our mortgage. We are just trying to get the funds owed to pay the contractors. Our home was insured with XXXX and the company has been liquidated after the hurricanes Laura and Delta so they no longer exist but he keeps insisting that we get an updated insurance adjusters estimate when that is not possible. It has been over 5 months now that we have been having problems with them releasing our funds. We keep getting excuse after excuse. I really believe that our File owner XXXX has no knowledge of his job at all.
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX reporting agency, has violated my rights. 

15 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 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

15 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 an account without my written instructions.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (NJ)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or delete the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX