davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

Last Year, XX/XX/XXXX, I was excited that I was Pre-Approved for My Companys VIP Program through Quicken Loans. 

I received a VERIFIED Pre-Approval on XX/XX/XXXX from Quicken Loan Originator XXXX XXXX ; on a 3 % Down Conventional Loan. 
I was also given verbal and email pre-approval on both FHA and USDA Loans. 

I specifically asked XXXX about the USDA Loan requirements. XXXX assured me that my DTI was within the limits for the USDA Loan. 
Specifically on a property at $ XXXX, XXXX informed me that my DTI  was at XXXX XXXX and still within the limits for all loan types ( FHA, USDA and Conventional ) After months of searching for the right property for my family and I ; on Wednesday, XX/XX/XXXX, I submitted my Purchase Agreement on New Construction in a Verified USDA Eligible Property. 
The weekend passed and I had not heard from XXXX on my Loan Status. 
Early Monday Morning XX/XX/XXXX ; I went to my Rocket Mortgage Dashboard and was excited to see my USDA Loan Estimate and The Intent to Proceed Docs uploaded to my file. 
I reviewed the loan estimate and signed/dated and submitted the XXXX to XXXX XXXX. 

Later, yesterday morning ; I received an email from XXXX, basically stating that my USDA Loan was not approved due to my DTI being too high. I was extremely disappointed with this news! I was relying on the zero down to reduce my out of pocket expense at closing. 
XXXX, then emailed me and stated I would have to go with FHA. I replied and asked what happened to the Conventional Pre-Approval @ 3 %?!?! 
After hours of waiting for a response from XXXX, she emailed and stated that she was working with her Director to get the Loan approved. XXXX stated, the loan currently is not going approved with XXXX or XXXX though everything about the loan qualifies.. 

Again, I was very disappointed with this process. In addition to my credit being pulled again by XXXX, after she informed me in XXXX that my credit would not be pulled again, even if my Offer Expired on XX/XX/XXXX. 
I was again disappointed to receive notification that they ( XXXXQuicken Loans ) had pulled my credit again!! 

All these months I have been working with my realtor, under the Actual printed copy of a Verified Pre-Approval of $ XXXX ; only to be given a USDA/FHA denial and run-around and inflated Conventional Closing Costs on a Conventional Loan. 

These Acts are VERY DECEPTIVE on Quicken Loans/Rocket Mortgage behalf! 
I have lost 4 Months in working with them. Time is of the essence for me that I can not get back. 

As a part of the VIP PROGRAM ; I was in no way treated in a VIP Manner in the end. 
XXXX even emailed me and stated, ... I do not make the rules, I just follow them.. 

I sent XXXX an email and also sent a message through my dashboard that I will not be proceeding with Quicken Loans.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion refuses to correct payment history ( s ) for accounts included in Bankruptcy and XXXX. These accounts are still showing a negative payment history when they should not. 
Transunion refuses to correct the payment history ( s ) for all XXXX accounts ~ payment was NOT MISSED XX/XX/2019.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education (NJ)

I successfully completed rehabilitation of my federal student loans in 2018. Per the rehabilitation letter I received from the company, " ED will request that credit reporting agencies remove the record of default on the rehabilitated loans '' US Dept of Education has my loans listed as open and payment status as current, however a previous servicer, Utah Higher Education Assistance Authority, still has these accounts listed as closed and sold to another lender, but they still have them in a negative status on my XXXX, XXXX, and XXXX   credit reports. I have requested from them to update this as well as submitted disputes online through the CRA 's, however these have still not be updated to reflect a positive payment status. This reporting by the company is severely impacting my credit scores.
Consumer complaint received 2019-06-01
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. (VA)

XXXX has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. XXXX  has {$170000.00}, which is inaccurate. Please have them fix my report.

XXXX also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years.

Not one item on my Equifax report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by 64 points and then 14 points there after.

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by 64 points and 14 points.

I have not missed payment with any creditor in the last 12 months.

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My XXXX  score is tied to Equifax, and XXXX  on my membership with XXXX. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

i have received numerous calls even after I have asked XXXX XXXX at XXXX to stop calling. They robo call me on my cell phone as well as my office. The people that I speak to are belligerent and threaten to have me served at work and continue to hang up on when I ask for proof of this debt. This debt has been paid since 2011.
Consumer complaint received 2019-06-01
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. (CT)

I have been disputing back and forth with experience, XXXX and transunion regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.
Consumer complaint received 2019-08-22
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. (TX)

XXXX  ; XXXX and Transunion are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.
Consumer complaint received 2019-08-23
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. (MD)

I have been asking for Experian to remove inaccurate information on my credit report. They are reporting misleading and incorrect information. For XXXX lending account # XXXX .. they have it is a charge off account when indeed it is not. For the XXXX XXXX, Account # XXXX they have that I have 1 month terms for an account that is in collections but the oc is still holding the debt. Which is inaccurate. They have account date opened in XX/XX/XXXX but never reported the the history for XX/XX/XXXX year. Where is the rest of the information? XXXX XXXX Account # XXXX has not been verified. I have reached out to the original creditors and they arent even able to provide me the information that I want to verify my own account. I have asked that they remove the negative items or verify the information under section 611.  They have failed to verify anything. I have not received any copies of my original contract and signature. They have continuously reported inaccurate information for over 1 year now. I am asking that they verify the accounts immediately with my original contract and signature under section 609 of the FCRA law and if not they need to remove it. I am also asking that they provide a sworn affidavit stating that they followed the law verifying all accounts. Furthermore, if they do verify these accounts. I would like to know each person they spoke with, the time and date and all copies of any documentation they have to support the accounts they have continued to verify.
Consumer complaint received 2019-08-23
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

OnXX/XX/2018 I received an alert from Experian stating an inquiry had been made on my credit report by Experian Business Credit.  I contacted experian to gather more information on the inquiry as I did not submit any applications for credit utilizing my business name in the month of XXXX.  Experian provided the name of the entity that submitted the credit request. It was a company called XXXX XXXX XXXX and confirmed they made the request on XX/XX/XXXX.I explained to experian I wanted to dispute this as I made zero credit applications. They stated they do not accept disputes? I would have to contact the company, receive a written letter from them stating the inquiry was in error and then they would remove it.I tried contacting the company to understand how they were able to pull my credit without my consent or without me having an active application for financing?I was given the run around and routed to another organization a broker for XXXX XXXX XXXX that contacted me in regards of merchant financing. To summarize the organization XXXX XXXX XXXX submitted an expired application from May to XXXX XXXX XXXX XXXX pulled my credit without my consent, XX/XX/XXXX submitted the request without me having an active application or my consent.Neither company is accepting responsibility and Experian will not remove the fraudulent inquiry from my report. I have written, email documentation from both organization that states they used an expired application and pulled my credit on XXXX without my consent. There is no documentation either organization can provide that shows I consented to a credit request on XXXX or filled out an application for financing.
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (MS)

In 2015 I took out a loan to purchase a car from Ally financial the balance that is being reported as a charge off is currently at {$6100.00}. The issue that I have, is that ally was sued and found to have charged me and other minorities with excessive interest rates. I was included in the the law suit and received financial compensation for their illegal practice. However, they refused to remove the charge off from my credit. I have made multiple attempts to have them remove this. It is negatively affecting my credit and ability to purchase a home or receive other loans at a decent interest rate.
Consumer complaint received 2020-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Level Processing (TN)

This complaint is regarding the company Higher Level Processing. Since XXXX I have been using their services as a third party to assist with getting federal student loans into the public service loan forgiveness program. Each year they assist with getting necessary documents submitted to XXXX XXXX XXXX to maintain eligibility in the repayment plan and forgiveness program. They have done their services with no issues until XXXX. I submitted updated information for the year XXXX when requested in XX/XX/XXXX. Beginning XX/XX/XXXX I noticed my repayment amount to have increased. I called Higher Level Processing to inquire about the reason this increase happened on XX/XX/XXXX with no answer. I then called XXXX XXXX Servicing where I was told that none of my updated information had gotten submitted therefore I was no longer in the income driven repayment plan so my payment increased. I then called Higher Level Processing again and was able to speak to someone who stated that they contacted me many times about needing updated information and that I had not submitted it. I had not received any communication with them as they stated they had done. To which they confirmed my contact information to insure it was correct, it was correct. The customer service agent resent the email to re-certify and assured me that if I got it completed in 14 days they would get me re-certified in the program no problem. I received the email and completed the information and submitted it on XX/XX/XXXX. I received no confirmation of information, but did have a charge on XXXX XXXX of {$19.00} for their services. I called them on XX/XX/XXXX to confirm information was received. The customer service agent stated a lot of confusion saying " It is not time to re-certify, we will send you that request in XXXX. '' I explained that it was for the last year due to the services not getting carried out. He then stated " oh, yes I see that now. We did receive and submit and you were approved for {$0.00} repayment on the income driven plan. I asked for confirmation of this to be sent to me. I then received an email that said the information was received and my request was being processed. On XX/XX/XXXX I received an email saying that the documents had been submitted. I called XXXX  XXXX XXXX on XX/XX/XXXX to inquire on the status to insure that it had been submitted. The customer service agent stated that they had contact from Higher Level Processing who posed as me and requested that my payment be frozen for 2 months, and the request was carried out. No documentation had been submitted. I am now taking actions to terminate with Higher Level Processing and work strictly through XXXX XXXX XXXX  to get back on track with my federal student loan program and repayment.
Consumer complaint received 2019-08-22
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. (MO)

XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX   but not transunion or XXXX  and it dropped me over 30 points that it shouldn't have. And now XXXX and trans are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am trying to get electricity at my home through an energy provider called XXXX XXXX. The energy provider will not give me electricity until they can check my Experian credit. I have tried the one time pin and the temporary credit freeze lift. I have repeatedly tried talking to someone at Experian and their phone system does not allow me to speak to a person. I NEED someone to help me. I would like electricity in the hottest month of the year.
Consumer complaint received 2019-08-23
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

On XX/XX/XXXX, while out of the country, I got a message that my Chime card was suspended. This was horrible timing, as it's the only card I typically take out of the country with me. When I called, I was told that it was likely a mistake and would be rectified once I sent over documentation. They were asking for the source of some transfers I'd sent over. I sent that documentation in and was then asked for proof of business ownership. Then transaction history on business sales account. Then invoice and sales summaries of my business sales account. I have sent in everything that they've asked for ( even though much of it should be confidential ) and am still getting told that my account can not be closed and the $ XXXX in the account can not be released to me. 

This is extremely problematic for multiple reasons- I can not see or access my account info at all while the account is in 'suspended ' status. Therefore, I don't know what's actually in or happening with the account. Also, the increasingly outlandish requests paired with the inability to speak to an actual person on the phone instead of via email-or have a singular account representative is scary. I don't know who I am talking to or dealing with at any given moment. One would think that if an account got to suspended status, they would assign a singular point of contact to create trust throughout the process. 

I have been with Chime for over 5 years and used to rave about how great they were but I have never experienced such disregard with any banking institution and am concerned about the validity of what Chime represents. We are now 20-days into an arbitrary suspension and nothing has been done on their end to re-allow access to my funds.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-23
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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.