davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

On/around XX/XX/2020 my wife and I applied for an FHA through Rocket Mortgage/Quicken Loans. We provided all requested information, including detailed financial/credit information, after which we were given a " Verified Approval '' letter for up to {$350000.00}. The letter specifically states that our income, assets and credits are verified and that the letter was good for 90 days. Also included in the letter is a {$1000.00} guarantee payable if Quicken Loans is unable to close on the loan due to the same income, assets or credit. Not until our entering into a purchase contract and beginning the closing process, Quicken Loans asked some additional credit questions specifically not asked during the verified approval stage. Based on our answers to these credit questions, Quicken Loans was not able to continue with the loan. We had to back out of the deal, wasted our time, our agent 's time, the sellers ' agent 's time, the sellers ' time, and we lost over a month looking for rental home opportunities. When we inquired as to how to get the {$1000.00} guarantee, our primary contact said not eligible. Customer service said the same, but when we pressed, were referred to their " Senior Research Team ''. Nobody would transfer us to this team. When we were getting transferred, we would wait for 15-20 min before dropping  off as nobody was picking up. We were able to get XXXX on their customer service team who helped to finally get us connected to XXXX XXXX last week from the " Senior Research Team '' ( XXXX ). XXXX said would research and respond by EOB XX/XX/20. XXXX just called to relay Quicken Loans would not be honoring their guarantee as our credit " materially changed ''. Nothing has in fact changed, Quicken Loans just didn't due its diligence or ask the questions it needed to on the front end. There was no dispute when we argued that we gave Quicken everything that was requested and that we answered all questions that were asked. This is nothing short of false advertising, bait/switch, etc. FHA borrowers already have a tough enough situation, so dealing with shady lenders who don't honor guarantees they have put into writing shouldn't be an extra issue put on their plate. We gave Quicken the opportunity to do the right thing and honor their guarantee. They made a business decision not to.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper has charged me a {$10.00} fee on my loan. When I reached out to ask about the fee, I was told someone accessed my account online and authorized the fee. As this was very alarming, I called and spoke with XXXX with Mr. Cooper who told me that the fee was assessed after someone requested a payoff statement through their website on XX/XX/20. I explained to XXXX/Mr. Cooper that I had not requested a payoff statement and that no one else should have login access to my account. Therefore, someone fraudulently accessed my account via their website and a {$10.00} fee was assessed based on actions they took when accessing my account. I explained this to XXXX with Mr. Cooper and she refused to do anything about it. Mr. Cooper has yet to provide any documentation showing who incurred the fee, how it was incurred, why it was approved, and/or how someone accessed my account. 

Again, I have not taken or authorized any actions on my account that would incur any fees. Someone has fraudulently accessed my account and incurred fees on my behalf. I have tried to explain this to Mr. Cooper but they will do nothing about it.
Consumer complaint received 2020-10-30
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a INVESTIGATION into XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in yourEINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

I received a letter from Wells Fargo Mediation several weeks ago, I replied requesting a refund of remaining fees charged to prior accounts, opened as a result of Wells Fargo high-pressure sales tactics ... The fees totaling XXXX, are overdraft fees .To date, I have not received an official response to my request..I received an email on XXXX from an XXXX XXXX with Wells Fargo Claims in regard to my mediation submission, requesting I call her. As explained in my email reply, I currently do not have a phone, I further explained the reason for my refund request of fees and complaints filed prior with CFPB. She replied back asking me to go to a local branch to call her, I replied stating I do not have a branch near me and requested an account of fees in order to work out a resolution via email, I closed stating no refund at all is unreasonable and no reason to discuss it over the phone, she did not reply as of yet ... It appears she was not able to offer any kind of settlement, I hope I am wrong ... I emailed her back today on XXXX, to follow up.. I received a reply via CFPB today, XXXX, to prior complaint filed about issue of fees charged to prior accounts and accounting of them. The reply states Wells Fargo stands by prior decision not to refund which is unfortunate as there is currently an investigation by one ore more law firms into charging of overdraft fees by several banks, including Wells Fargo. If Wells Fargo will not work this out directly with me, I can assure them I will get some sort of refund through any settlement which arises from investigation. I am still willing to work with XXXX, I do not have a phone to call her currently, I have been without a phone for several weeks..If she can provide me a offer of settlement via email, I will gladly take it into consideration and reply ASAP.
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (VA)

I pulled a copy of my credit report around the beginning of XX/XX/XXXX. I noticed that I had 3 accounts showing on my credit report from Miramed Revenue Group. All 3 accounts had different account numbers and had totals of {$50.00}. I called them they informed me it was copays from varies dates with XXXX XXXX. I advised I would pay off the accounts that was showing on my credit report and set up payment arrangements for the rest of the accounts. I made my payments on those 3 accounts showing on my credit report on XX/XX/XXXX. I called them today ( XX/XX/XXXX ) because the information still hasn't been updated on my credit yet. I was advised by a rep. that they would not update my paid accounts to the credit bureau 's until I paid all of my accounts off with them. I advised them that all the accounts with them have separate account numbers and are all for different dates of service. So they needed to update the information according they refused and stated they aren't sending anything to the credit bureau 's until I satisfy the other accounts that aren't showing on my credit report. I haven't received anything from them In regards to any of the accounts. Please help I dont think this is fair. I am trying to repair my credit and the fact that these may show for a longer time even though they are paid isn't fair to me.
Consumer complaint received 2020-06-30
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. (GA)

I have disputed various items on my Experian, XXXX, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

In XXXX of XXXX I submitted a refinance application with XXXX who works with Cardinal Financial Company. While they have several great reviews, what the reviews did not reveal is that the company has poor communication with it's clients unless they require information. My loan took over 45 days to close and even though it closed on XXXX, they did not mail the disbursement checks to any of the creditors they had me pay off until XX/XX/XXXX, sending my home owners policy into cancellation and receiving a late fee once paid. I was told on several occasions the checks were mailed on XXXX, but when I received copies of the actual disbursements the checks were dated XX/XX/XXXX. I had offered to pay off the small accounts directly, but was assured it would delay the loan so I gave them a cashier 's check for the loans. During the last set of disclosures a {$220.00} fee was added into the loan that wasn't there before as well as the title fees doubling. Only when I questioned these items did they attempt to resolve the title fee issues, while the {$220.00} fee kept appearing and disappearing. My refinance was a simple straight forward, no money out loan which should have been easily streamlined but turned out to be constant stress and while it closed on XXXX there is still the pending item of the late payment for the home owner 's insurance.
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (FL)

I had negotiated a settlement with XXXX for a XXXX VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from Alltran Financial , LP. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with XXXX. I encouraged her to contact XXXX for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact XXXX. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by XXXX representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.
Consumer complaint received 2019-09-04
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 — Problem with personal statement of dispute
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

In XX/XX/2013 I vacated my tenancy at an apartment complex that had serious cockroach infestations that were not resolved and resulted in causing major medical issues with me. I had given them notice of the issue continuously and monthly would provide evidence of the infestation with my rent check. I gave them 45 days notice of my intent to vacate under the AZ law StatXXXXAnn.33-1363-1365, which requires the landlord to maintain the premises to be habitable for health and safety reasons. The lease was terminated 3 months early due to these reasons. The apartment was re rented 2 weeks later and therefore Under the Arizona Law cited item ( 1 ), I am not liable for the rent for the remainder of the lease I had with  them. It is illegal to charge someone for rent that is already being collected by the new tenant. 
" Arizona law ( Ariz. Rev. Stat. 33-1370 ), your landlord must make reasonable efforts to re-rent your unitno matter what your reason for leavingrather than charge you for the total remaining rent due under the lease. '' Multiple letters had been written to the original company with no response. The debt was then sold to a collection agency, for which no billing was received. The collection was discovered via credit reports. this debt is not legally collectible but they refuse to remove from the credit report. Disputes have not done anything as debt is only verified with collection company no one looks at legality of the debt. Others have had the same issues with this company.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

TransUnion used deceptive UI/UX practices to get me to sign up for a monthly subscription " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' service when I started the process to see my free annual TransUnions credit report. They also indemnify themselves from any partial or full refund so that once you discover their deception, you are unable to do anything about it.
Consumer complaint received 2020-06-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

I initiated a transfer of money from my XXXX XXXX XXXX account for {$9000.00} to Coinbase on XX/XX/XXXX. They initiated a second unauthorized amount for {$9000.00} and overdrew my bank account. They are now saying I owe them this money because my bank account rejected their offer and are going to take my money that is currently in their account. I am owed the {$9000.00} plus any fees my bank charges me for them overdrafting my account but currently I can't access my account until I pay them the money that I " owe '' them.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OR)

On XX/XX/2019, I made a payment to my Wyndham Rewards credit card ( issued by Barclays US ). The payment was immediately posted to my credit card account and then removed from my credit card account with an explanation that my checking account that I used to make the payment was " closed ''. This is incorrect. The checking account that I used to make the payment is open, remains open to this day and has been used repeatedly to make payments to other credit card companies. On XX/XX/2019, that very same payment was removed from my checking account. I have tried to address this issue with Barclays through their website 's secure messaging system, by phone, and in writing. As of this date, I have only received acknowledgment of my correspondence and no indication of how or when this issue will be resolved. Meanwhile, Barclay 's is charging me late fees and interest on late fees because I have, so far, refused to duplicate that payment from XX/XX/XXXX.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX who would not provide her last name that works for Huntington Bank in XXXX Michigan would not provide me an explanation to why my account was closed. She would also not provide me a explanation to why I never received a letter on why. She would not provide me a copy of the letter for why my account was closed.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX XXXX XXXXXXXX XXXX ACCT : 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 a account without my written instructions
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - {$30000.00} - {$30000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Consumer complaint received 2023-07-03
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. (FL)

I asked the credit bureau do the verification of everything in my credit report on XXXX they did it and they dictated that everything was accurated. 
I did a total research In accordandance with the fair credit reporting act XXXX account name : XXXX XXXX with account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 620 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 2019-07-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc. (NY)

I am. Trying to settle a debt with a company called national credit service. 

I was trying to explain my case, dispute a debt. 

I have a documented XXXX of XXXX  XXXX and have send over my ssd papers multiple times. Im also being told different times that I can be released from their XXXX  program This is causing me stress and causing my XXXX to worsen. This is greatly affecting my credit and FIOS score, thus my housing situation as Im unable to buy a home. 

Please help me
Consumer complaint received 2019-10-07
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. (UT)

I paid off my van. The van had a loan through our credit union- XXXX XXXX. The van is paid off however now the credit on our report says that it is a " Closed account '' and instead shows that the account was closed so this harshly is affecting our credit. We need this to be changed and show that a debt was paid off in full and successfully so this does not damage out credit score.