davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (WA)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2018-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (FL)

I currently have a mortgage with XX/XX/XXXX. I am a XXXX  in XXXX County. In XX/XX/XXXX Hurricane Irma struck and we requested a disaster forbearance for our home. XX/XX/XXXX granted the forbearance to the end of XX/XX/XXXX. At the time my mortgage payment was {$2600.00} per month. I had never been late since buying the home in XX/XX/XXXX. They told me at the end of XX/XX/XXXX to call them to set up new terms for the mortgage. I did so and was put on a 3 month "  trial '' period of an increased payment from what I had been paying prior ( {$2600.00} to {$2700.00} ). At all points in this forbearance and modification of the loan have I followed all of their requests without fail. In XX/XX/XXXX they reported to my credit report that I am 60 days delinquent on my payments thus literally destroying my good credit. I have requested with them that they fix the credit report with an explanation the I have been under a forbearance due to disaster and have paid all payments that they have requested. I did so in writing to them and have, as of yet, had anyone correct this on my report. I've been complaining since XX/XX/XXXX ( the very day of the credit reporting ) for them to fix this and was assured they understood and would do so. This has been to no avail. I have lost my good credit, had my credit cards either reduce my credit limits or outright cancelled my credit. On top of this, they now state that I have a " lien '' on my house and they requested I go to the XXXX county records office to " prove '' that this is not the case because I presumably have a " common name '' and they now have the modification of my mortgage on hold. I went to the county records office and found no such " lien '' under my very specific name and faxed them all that was on the county record. 
My grievance is twofold. They are taking advantage of people that suffered through a natural disaster and misreporting this to the credit bureaus that I am late on payments when I have followed to the letter what they have requested. I want my credit report accurately reflected as what has really happened. Also, the underwriters appear to be playing a game stating I have a lien on my property that does not exist just to stall on the final arrangements for the mortgage payments from this time forward. I want them to quickly resolve these problems as soon as possible. No more stalling, no more games, no more requests to run 20 miles to the county courthouse to find non-existing liens on my home or in my name. 
I researched the XXXX XXXX XXXX web site for complaints against XX/XX/XXXX and found two other complaints from Hurricane Irma victims that are similar to mine. The company needs to be held accountable for their misdeeds against the victims of natural disasters and do what is appropriate.
Consumer complaint received 2021-01-26
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: Seattle Service Bureau, Inc (NE)

National Service Bureau is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.
Consumer complaint received 2019-11-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

In XXXX of XXXX, I wanted to refinance my house so I could lose the PMI payment. I contacted Quicken Loans and they asked what was my ultimate goal. I said to lose the PMI payment and have a conventional loan. XXXX ( who no longer works for Quicken ) said I was not eligible because my credit score was too low. He suggested a two step refinance process to get my credit up. First, refinance to payoff the credit card debt to help rebuild my score and then refinance again once the scores were at XXXX. He said after making four payments and having an eligible credit score they can start the new conventional loan. I said I don't want to pay closing cost twice and he assured me since I would be a current client I would pay very minimal closing cost. I proceed with this loan and got my credit score up. In XXXX of XXXX, I contacted Quicken Loans and worked with XXXX. After the {$500.00} appraisal fee was paid and the underwriters looked at my information, he said I was not eligible to do a conventional loan because I had a foreclosure in XXXX of XXXX and could not get a conventional loan until seven years from that date. This be would be XX/XX/XXXX. I explained that I submitted the foreclosure document back in XXXX of XXXX and at that time I should have been informed that I would not be eligible for losing the PMI until XXXX. He agreed and they did reimburse me the {$500.00} appraisal fee I paid. I then contacted Quicken 's complaint department. XXXX said that was terrible this happened and offered {$500.00} off my next loan. I told him that we were not on the same page and feel I deserve to have all the extra costs reimbursed. He said he would review the situation and get back to me. When he did he said he found nothing wrong and they were not able to go back to the recording of XXXX 's conversation with me to verify what XXXX said because the conversation was erased. They only keep that information for 90 days. My issue is I should have never been told I could move forward until my foreclose had passed the seven year window. My original loan principal was {$250000.00} with a 3.375 % interest rate. The Quicken Loans amount became {$270000.00} at a 5.625 % This was ok because I was told it was temporary, they were giving me {$1200.00} to pay off credit cards, and once my credit was up they could get me into a better loan. That never happened and my monthly payment went from {$1900.00} to {$2.00}. Now I was forced to refinance again because I could not continue paying an extra {$370.00} a month. So refinancing again brought my total principal to {$290000.00}. In the end, Quicken Loans was aware of my foreclosure from the beginning and should have never moved forward with putting me into a loan.
Consumer complaint received 2021-01-26
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Last XXXX, 2020 Fifth Third Bank agreed to remove a charge of {$990.00} from my account and sent me a new credit card because someone on XXXX had purchased a Virtual Reality Headset on my credit card. It was not me. My husband wanted to make a purchase on XXXX and put in our new credit card number. They proceeded in XXXX, 2020 to put the charge of {$990.00} on my new card. 

I have been fighting with Fifth Third since then to get this charge removed. For some reason, I did receive this unit from XXXX / XXXX XXXX. At the instruction of Fifth Third Bank, I returned the unit to XXXX XXXX and have proof of the return being sent and received by them. 

XXXX did send me a letter indicating my account was compromised and assured me they changed the account back to my information. I sent XXXX XXXX a copy of this letter. I called XXXX XXXX on the XXXX of XXXX. They won't let me talk to the investigators. They said the account had been closed due to time passed. 

So what? the money is now accruing interest and I refuse to pay this bill, I sent back the unit and XXXX XXXX has done nothing!!! 

I have since closed my account with XXXX and do NOT use the paypal account associated with it. As soon as I figure out how, I will close that too. 

I need help! 

XXXX XXXX
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

I was on a 180 days forbearance period. After that I could start making payment to the bank. However I could not do the regular payment so the bank offered me a flex loan modification. They extended from 30 to 40 days the loan adding the part of the loan I could not pay to back of the loan They send me all the document and as only requirement was to go thru a trial period of 3 month making regular payment for the new amount of the loan starting on XXXX to XXXX. Which I did with no problem. 

To my surprise my flex loan modification was denied due to an error in their system. I called the bank On XX/XX/XXXX and i spoke to a customer relationship manager and he said no worries about it due to this error on the end they will fixed due to I have done and completed all the requirements. I have called the bank several times since alll this started to follow up Since XX/XX/XXXX I have been calling to the bank until XX/XX/XXXX they always said they are going to fix it, they had escalated the issue to their superiors and someone will call me with an updated nothing has been done. I have all the call documented and the names of the persons I spoke with. Already pass more than a moth to fix something in their system. 

Meanwhile the bank is calling me all the time to collect and they said they will proceed to foreclosure if I dont pay what I owned. The bank on The first week of XXXX reported me to the credit bureaus as delinquent. My credit score from XXXX drops to XXXX. I have credit card with cero balance where they have reduce my credit line due to a mayor delinquent report on my credit report. 

I feel frustrated, this is my home where I live with my family. We have done everything to fix this and we continue making payments as the flex modification loan contract said. 


Is this legal during the cares act????? What are my right???? 

Please help!!!!
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SIMM Associates, Inc. (AZ)

1. Daily/weekly phone calls even late in the evening. 
2. Degradation of character, due to how they spoke to and threatened me after I told them i was XXXX. 
3. False collection letters to seek a debt that does not, nor has it ever existed. 
4. Unable to be contacted by phone unless they call you. 
5. Shame on you. XXXX sees all.
Consumer complaint received 2016-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Aspen National Financial, Inc. (WY)

I had purchased a timeshare property from XXXX XXXX XXXX in XXXX Colorado I was unable to get reservations no spots were available and they did not do anything to accommodate my vacation schedule they ruined my vacation and my relationship with my boyfriend I feel they are selling more timeshares then they have space to accommodate.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MI)

I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To whom it may concern, On XX/XX/2020 my BOA unemployment benefit card was declined. I believe the account was closed due to a fraud claim I submitted and BOA rejected the claim and closed it. I then asked them to reopen the claim and reconsider being that the amount was nearly {$400.00} and it was clearly fraud. The transactions were under very strange codes. Well I never heard back from BOA and next thing I know my account is closed with nearly XXXX in it. I then called customer service and was told my account had been closed with no notice nor warning to allow me to withdrawl my funds. I have tried calling numerous of numbers, stayed on hold for hours just to be hung up on. It has been over a month and still no letters no check with my remaining funds nor an explanation as to why it was done. No answers nor assistance. My unemployment has also been messed up and I am now dealing with being evicted, unable to pay any of my bills during this pandemic. If someone could please help me with some sort of guidance as to how I can solve this issue as soon as possible. 

Much Appreciated
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.
Consumer complaint received 2021-01-26
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. (FL)

I got my free credit reports from the XXXX XXXX XXXX website and after looking through everything, I still see a ton of major errors. Ive disputed these errors myself since XX/XX/XXXX in last year and the credit bureaus failed to delete this wrong information. I sent disputes myself directly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and attached proof of my ID and proof of my address. Theyve had ample time and Its unacceptable that even after these reporting companies supposedly did an investigation of these inaccurate and fraudulent accounts, these blatant errors are still sitting on my reports and affecting my ability to purchase a home. Something has to be done and that is why Im filing a complaint. Ive never received any correspondence or proof of verification from the bureaus. I can only see the notes under these inaccurate and inconsistent accounts on my free credit reports The addresses reporting with all 3 credit bureaus are inaccurate. Its really scary to me that theres all this information like addresses that arent mine on my credit reports and the bureaus refuse to delete it. There are multiple inaccurate collection accounts and activity being reported that I know nothing about with company names I know nothing about. ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or even XXXX  XXXX XXXX that reports an undesignated owner ). This is extremely frustrating and I dont see how the bureaus can claim to have investigated these errors but cant provide any verification or proof of how/where theyre getting this information from and they arent deleting this fraudulent and false information.
Consumer complaint received 2021-01-26
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: CITIBANK, N.A. (NJ)

I file Chapter XXXX bankruptcy on XX/XX/XXXX. My Citi Card L.L. Bean credit card was also iIn my bankruptcy petition. Last month I got an email for my statement. I called them to tell them to stop emailing me I file Chapter XXXX I am in the chapter XXXX clause. I got an email yesterday morning at XXXX with my statement. I told them I am file Chapter XXXX bankruptcy do not contact me that theyre not supposed to contact me. Theyre violating the chapter XXXX laws and they need to be held responsible for their actions.
Consumer complaint received 2021-01-26
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: HYUNDAI CAPITAL AMERICA (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX XXXX XXXX, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-26
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. (TX)

I opened an account with XXXX XXXX back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. XXXX keeps selling this closed account to other business and therefor still showing on my account.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING continuously updates the 'date of last activity ' to XXXX . They also report 3 completely different 'date of last activity ' to all 3 credit bureaus. I have disputed directly with LVNV and all 3 credit bureaus. The only responses I have received is " This account is verified ''. How can an account with 3 different DOLA be verified? This proves that there has never been an investigation of this account. 


The reporting of the 'Date of last activity ' is reported as is : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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. (FL)

I figured out in my credit report accounts that I have never authorized and plus simply I do not recognize them. This is illegal and highly detrimental to my credit rating. So please recheck and investigate and remove all of them as I can not move in in my life when I have unknown information in my credit report. I am very distressed now. The items must be deleted from the report as soon as possible.
Consumer complaint received 2021-01-26
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. (GA)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America - Mortgage Loan # XXXX - Bank of America sent the handling of my loan to XXXX XXXX at the end of 2016. I have been trying to obtain my 2016 tax statement in order to file my Tx Return for 2016. Bank of America has not sent it and refuses to do so. They insist I owe them payments for 10 months although all payments were made and I have verification of payments. They will not call me back or send the TAX info for 2016. What do I do?
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. XXXX  and XXXX  do not comply. I have filed multiple complaints on Capital One. But XXXX  and XXXX do not investigate but simply send to Capital One who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and XXXX  but talk to another country who now has my personal information. I have repeatedly made request from Capital One to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. XXXX, XXXX, and Capital One have at least 100 of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX  XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. Capital One refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. Capital One refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. Capital One ignores and plays games by listing all complaints as duplicate. Capital One sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.