davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

Hello, XX/XX/XXXX - I applied for a refinance with Quicken loans thru their Rocket Mortgage service. I was pre-approved. After discussing the application with one of there loan officers. I was told everything looks good and I just need to order the appraisal, I paid the {$390.00} appraisal fee. The appraisal came back to Quicken and I was told the appraisal came back much lower than estimated ( even lower than original value ) It was a little strange since the market in my area is and at the time was on the rise. I was ok with the decision but requested to see a copy of the Appriasal it my right since I paid for it out of pocket. I was told it will be mailed to me. I couple of weeks passed by and I did not get it. I tried calling and spoke to a customer service representative who claims the appraisal was emailed to me but I never received it. THe representative then said she will resend me a copy via email ( which I never requested in the 1st place it was supposed to be mailed ) and that she will also mail me a copy. I never rcvd anything. I moved on and admit did not follow up until last month XX/XX/XXXX. I spoke to a representative in client relations after I explained my situation. I was told that the appraisal was sent to a different email address but they could not confirm if it was mailed. The agent told me she was assure me that I will get the appraisal by XXXX. 2 weeks have passed and Im really tired of dealing with the phone agents who tell you what you want to hear but never get the work done. As I licensed MLO originator I can tell you that the MLO at quicken loans ( don't remember is name but im sure it can easlily be traced ) is misleading borrowers and steering them to loan products that benefits since commission. Once he found out I was not going thru with the loan cause I was not going to pay the XXXX he wanted at closing ( Wow where is the net tangible benefit to the borrower here? ) he ignored my requested and moved on. I just need a copy of my appraisal before I file suit for refusing to provide me with a copy of my appraisal.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was involved in a settlement from Ocwen and i am attaching the settlement documents below ... On this settlement I am being awarded and offered a principal reduction on my home. I demand under this federal court order that this order be in compliance to my loan and I receive a principal reduction without having to repay any of the loan back to you. On this Court order it states that If i was affected I will be compensated in many ways. This is to include a principal reduction. I demand a principal reduction of my entire loan in the amount of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) as soon as possible. I also want my demand that my Property mortgage Insurance be taken off since my mortgage loan is below the 80 % loan value. I demand that the PMI being charged be taken off ASAP. I also demand that a XXXX Property Inspection fee be taken off my account charges. This charge was put on there in XX/XX/2018. I demand a phone call ASAP XXXX.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

I WAS CHARGED FOR SEVERAL CHARGES ON MY DISCOVER CARD WHICH I REPORTED BACK WHEN THEY WERE ON MY STATEMENTS AND THE CREDIT CARD COMPANY DID NOTHING FOR ME TO RESOLVE THIS MATTER. I WILL LIST THE CHARGES ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER DID BUSINESS WITH THESE COMPANIES AND NEVER AUTHORIZED ANY OF THESES TRANSACTIONS. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (MO)

Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms.

Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data.

I applied for auto loan and specifically repeated no personal guarantee or Id wait until business credit was better. Dealer somehow got my personal SSN even though I have not provided them with a application in the last 30 days. Salesmen cursing at me, being rude. Using threatening and harrassing demeanor.

This is dealer fraud, and identity theft.
Consumer complaint received 2018-05-31
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: Fidelity National Information Services, Inc. (FNIS) (FL)

My Consumer ID number is XXXX. My name is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX. I received my ChexSystems report and discovered that there are inquiries way over the FCRA statue of limitation exceeding the two years the law allows with the following dates XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX..including more. There are over 14 inquiries on my report in violation to the FCRA. The dates of these inquiries have exceeded the statue of limitations by law!! All these inquiries need to be removed off of my Consumer Report. In addition to this matter there is a source of information reported titled XXXX XXXX XXXX that is not related to me. This account needs to be removed. Please send me my updated current ChexSystems Consumer Report.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (KY)

On XX/XX/XXXX I went to a XXXX XXXX store to pay my bill that was owed on my canceled service. I forgot to take the companys equipment with me. They told me it would be turned over to collections the next day. I paid the bill but the amount for the equipment stayed on my account. On XX/XX/XXXX I dropped the equipment off and was given a receipt for {$0.00} balance. A week or two later I started to get phone calls from collection agency. I explained to them what had happened. A few weeks later I got a call again and I once again told the man what happened and that I wasnt paying them for something I didnt owe. So here we are and I just want this taken off my credit report. Can you please help me?
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Company : American Express Product : Gold Delta SkyMiles Credit Card On XX/XX/XXXX, a " removal of credit balance '' charge for {$81.00} posted to my account. This cleared a credit balance of ( {$81.00} ) on my account. I inquired about this charge a few days later and was told that a check had been sent to me. 

After a few weeks, the check didn't arrive. I figured it may have gone to the wrong address, as I was moving to a new residence around that time, so I contacted the company again. I was told that a new check would be sent to me. I asked the company to confirm the address that the check would be mailed to, and they read my new address back to me. 

After a few more weeks, this check hadn't arrived either. I contacted the company a third time, was told that a third check would be issued, and confirmed the correct mailing address again. 

A few weeks after that ( it's now sometime in XX/XX/XXXX ), I  called back again, as I'd seen no trace of the third check. I was told that I could receive the credit balance refund as a wire transfer to my checking account instead of a check. A wire transfer for {$81.00} appeared in my checking account on XX/XX/XXXX. 

After this, I went back to check my credit card statement and noticed that a charge of {$81.00} was posted to my credit card on XX/XX/XXXX. I now had a debit balance of {$81.00} on my card. I called American Express to inquire about this charge, and was told by the representative that they would submit a claim to the disputes department, and that the claim would be resolved in 7-10 days. 

The claim was subsequently rejected, and the debit balance remained. I called back a couple more times, with the same result ( call in, representative submits a dispute claim, claim gets rejected 7-10 days later ). I've tried to escalate, but the last two times I was told that 1 ) no managers were available at the time I was calling ( when trying to escalate to the 3rd-level representative ), and 2 ) all the supervisors were in a meeting and unavailable to take calls ( when trying to escalate to the 2nd-level representative ). One of the times that I called in, I was told that one of the refund checks had been cashed in XX/XX/XXXX, but I have never received a single refund check, so the only way this could have happened is if I had been a victim of mail theft. 

It's now been four months since the original credit balance removal charge, and I have still not gotten a refund for it. I've lost count of how many times I've contacted the company ( more than 5 ), but I have not been able to resolve this issue with them.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I've been waiting for some time, but the 3Credit Bureaus haven't given me any form of response, so I've decided to ask you for help. They have been careless and have refused to do as I have asked. I am very certain that they must adhere to the Fair Credit Reporting Act law, present documentation and proof, and provide definite and accurate answers within the allotted statutory time. However, if they did not, they are required to correct or remove the inaccurate and unconfirmed items. My credit scores have suffered a great deal as a result of their negative and unacceptable behavior. Please find the items that concern me below : 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 2018-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

I have received multiple phone calls to the point I have had to block this collection agency. During the initial phone calls I requested via telephone that a validation of debt letter be sent to me asap as I do not have knowledge of that debt. I was told by the representative that a letter was sent to me weeks and weeks prior. At that time I told the representative that I had not received it and would they please send another. I could tell by the conversation that they would be a little uncooperative so I asked to speak to a supervisor. The supervisor came on and I requested a address to send correspondence to because I was sending them a request for validation of debt. I did in fact send that to them and have received nothing in return. At this point they are in violation of the FDCPA and I would like this to me looked into. At this point I want this account deleted from my credit report as it is causing issues with me requesting credit.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (AL)

On XX/XX/XXXX I cancelled an insurance policy with XXXX and XXXX ( wind/hail ) under a company called XXXX. Prior to doing so I established insurance with XXXX XXXX. When the policy cancellations were sent to XXXX, it appears the XXXX policy was cancelled but the XXXX policy was not. So since then I have been paying monthly escrow deposits which I have been told have were paid to XXXX for XXXX coverage on XX/XX/XXXX in the amount of XXXX. I had been trying to get the escrow payments cancelled for this policy since XX/XX/XXXX when I first called XXXX after I received much higher monthly payments since XX/XX/XXXX. I was told this was because of an escrow assessment done in XXXX which required higher escrow payments on the XXXX policy which is at that time I found out I was still paying for a cancelled policy. I have called XXXX at least five times since then and each time I get the run around and am told different information each time. Some of their representatives are not able to even tell me anything. I have called XXXX and emailed a document showing my refund of XXXX from XXXX and it says I have coverage elsewhere. I have been told that is enough. I sold and closed on the property on XX/XX/XXXX and prior to that date the title company could not reach anyone at XXXX  to get a payoff amount for closing. Earlier in XXXX I had requested a payoff statement which I received in the mail. It was dated thru to XX/XX/XXXX. I was able to give it to the title company so they paid the loan off after closing. The title company was contacted the next day saying I still owed XXXX which was the difference of what was owed from the XXXX policy. They said if it wasnt paid by XX/XX/XXXX I would be charged XXXX a day fee until it was paid. So not only do they owe me XXXX, now they want more for a policy that was cancelled. All they have to do is see I had XXXX XXXX on XX/XX/XXXX to know the other policy should have been cancelled like the XXXX document shows and send me back all the money I paid since then. My title company was good enough to pay in advance for me the XXXX but I will be paying them back and out more money. I just dont know what to do at this point. I cant get anywhere with them on my own.
Consumer complaint received 2018-05-31
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: 360 MORTGAGE GROUP LLC (CA)

Step 1 : What is this complaint about? 
According to the reports provided to the Credit Bureau by 360 Mortgage Group, it shows eight ( 8 ) months of being late 30+ days and one ( 1 ) month of being late 60+ days. See below for the months/years and attached image ( Credit History - 360 Mortgage ). However, I have bank statements from XXXX XXXX XXXX XXXX ( XXXX ) showing proof of payment, and I've attempted on numerous times to work with the company with no success. I even provided the bank statements ( per their request ) to show proof of payments. For the XX/XX/XXXX late payment report, the house was sold that same month. 

Months/Years - 30+ days late XX/XX/XXXX XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX XX/XX/XXXX - proof in bank statements XXXX proof in bank statements XX/XX/XXXX Months/Years - 60+ days late XX/XX/XXXX - house was sold, see Seller 's Final Settlement Statement Step 2 : What type of problem are you having? 
The company has refused to fix the late payment submittals to the Credit Bureau so my credit can be adjusted. 

Step 3 : What happened? 
Unsure what happen on 360 Mortgage side of the house, but I set my payments up to be automatic issued by XXXX. 

Step 4 : What company is this complaint about? 
360 Mortgage Group Step 5 : Who are the people involved? 

Customer Service and XXXX XXXX. 

Attachments 360 Mortgage Late Payment Issues 360 Mortgage Payments Credit History - 360 Mortgage Sellers Statement_CDF
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX a charge for XXXX was taken out of my account from Suntrust Bank. I did not recognize the charge so I started a dispute for this transaction and a provisional credit was issued. On XX/XX/XXXX that amount was retaken out of my account because I canceled the dispute. I called the bank and asked if anything had to be done to get that merchant paid and I was told that nothing was received by bank and that it was like it wasn't ever done. I had forgotten about it and on XX/XX/XXXX we received a bill from XXXX XXXX for the timeshare that had gone into foreclosure for the yearly maintenance fees. At that time we called XXXX XXXX and subsequently paid that charge. I called the bank that day, XX/XX/XXXX, and spoke with a supervisor and they stated that from their end they had paid the merchant but when I told them they didn't have it they escalated it to their investigation team and said I would get a call back within 2 to 3 business days. Well I never and to this day, XX/XX/XXXX, have never gotten a call from them. I have initiated all calls. I called on XX/XX/XXXX, XXXX and today XX/XX/XXXX. I have been told that they do in fact have my XXXX but can not put it back into my account and must pay the original creditor. I explained that I have already paid them and did not want to fight with them to get the money back as I have already waited months for this to get resolved. They could not and would not tell me where my money was for so long and why it has taken me to call about it and why the merchant never was paid. They also could not tell me when the merchant will be paid so that I can try to contact them to get my XXXX returned to me. I think this is an outrage and for a bank to hold my money and not pay a merchant or tell me they had my money for over 60 days and then when they finally tell me they have it, they don't know when it will be paid is deplorable. I just want my XXXX back into my account or the merchant paid.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

I purchased 2 items on XXXX I returned the items and can not get a refund I have the tracking # s and confirmation # s from XXXX Here is what XXXX sent me. I am dealing with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX I will scan the tracking # and include this in the complaint. I spoke with XXXX agent # XXXX Refunds : ( From XXXX XXXX XXXX -- Refund ID : XXXX : crow : XXXX = {$11.00} XXXX -- Refund ID : XXXX : crow : XXXX = {$10.00} i hope this information helps. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, XXXX XXXX. 
XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (PA)

I have previously submitted a complaint with you regarding this company for the same reasons, and it was effective until recently. XXXXXXXX XXXX contacts me, my husband, my parents, and my in laws multiple times per day. When visiting my parents yesterday they were calling their house, and they explained to me that it was the fourth time today XXXX was calling to ask for me. My parents have told them multiple times that I do not live there, and can not be reached there so please stop calling. With my last complaint this was all specified and they agreed to stop. They have not. So far today they have called my phone twice, as well as my husbands. If I were to call my parents Im certain they will have called them as well. Something needs to be done because they obviously dont have consequences when they are reported or else they would stop harassing me and my entire family.
Consumer complaint received 2018-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, XXXX and Transunion. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.