davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

On XX/XX/XXXX I started a refinance process with Guaranteed Rate for our Jumbo mortgage on our recently purchased home in XX/XX/XXXX. The purchase financing XXXX XX/XX/XXXX ) was also handled by Guaranteed Rate. 

It is 4 months later, and despite assuring me several times in the last few months that closing was near, they kept delaying for more details, despite the fact that I had uploaded/sent those details several times already. 

Each time, they kept trying to " gouge '' me for additional fees - rate lock extension fees, additional closing costs, other fees. They also increased the interest rate, despite the fact that the rates had actually dropped ( and I pointed that out! ). 

I kept going back to them and saying that this was NOT what we had agreed to, and I had the emails to prove it, and then they used that to further delay. 

Ironically, our original loan XXXX, XXXX XXXX, was AWESOME, and kept fighting with his internal team for constantly making changes that were not agreed to. He was ALWAYS available, returned all my calls almost immediately, and literally went to people personally to try to get this loan done. His hands were tied because these delays were being caused by folks up the chain and not him. And then they changed the XXXX XXXX on me without warning more than once! 

I believe this firm is trying to price gouge me - they are likely losing money on the original loan because I'm refinancing within 6 months - but lets be honest here! Rates were historically high last Fall when we bought the home, and they have dropped precipitously. I have a right to refinance at any time! 

The rules state that once an LE is given, you can't change the rates/fees prior to close. Modifying the LE each time, and adding more fees, and causing more delays, so that customers like me get exasperated and just pay the additional fees to close the mortgage should ALSO not be allowed. At least, that is the spirit of the law. 

Guaranteed Rate needs to tell the truth here, and resolve this matter, and be fined for misleading consumers. 

Timeline : ====== XXXX. File started XX/XX/XXXX XXXX. First LE on XX/XX/XXXX at 3.625 % ; XXXX. Updated LE on XX/XX/XXXX and they added $ XXXX points not agreed to originally ; XXXX. XXXX XXXX on XX/XX/XXXX and they added $ XXXX lock extension fee not agreed to.
Consumer complaint received 2019-08-02
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. (CA)

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX ),
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

On XX/XX/XXXX we received a letter from Freedom Mortgage Corporation cancelling our ACH payment. Today, XX/XX/XXXX we received an email notifying us they cancelled it because they have transferred the loan to XXXX. That payments are to be made effective XX/XX/XXXX. 

We have not yet received a Servicing Transfer notice in compliance with regulation z.
Consumer complaint received 2019-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation (CA)

XXXX XXXX- FromXX/XX/XXXX to XX/XX/XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XX/XX/XXXXand rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX fromXX/XX/XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XX/XX/XXXX, they only reversed the charges beginning inXX/XX/XXXX totaling {$2400.00}! My credit card was maxed from XX/XX/XXXX to XX/XX/XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on XX/XX/XXXX XXXX!
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX  XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX  XXXX XXXX. It is reporting to XXXX, Equifax and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} equifax {$260.00} XXXX  {$0.00} Date opened XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) XXXX   XXXX equifax XXXX XXXX XXXX high credit XXXX {$15000.00} equifax {$0.00} XXXX {$15000.00} Last reported date XXXX  XX/XX/XXXX equifax XX/XX/XXXX XXXX  XX/XX/XXXX date of last active XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above
Consumer complaint received 2019-07-10
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. (OH)

My name is XXXX XXXX XXXX SS XXXX DOB XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I am a few payments behind on my Capital One card ending in XXXX. I chatted with an agent online and explained my situation and they were very nice and set me up on a financial hardship plan that would lower my monthly payment and reduce the interest. I was not told when to pay so I waited for something in the mail. Nothing ever came. So today, I logged in and my payment still showed the same so I chatted with another rep and was told I was on a payment plan through a " 3rd party debt management '' - and gave me a different ph # to call. I called that ph # and spoke to an account manager and was told no, we have no record of anything set up for you. So I went back to Capital One and chatted with yet another rep and told them that and they again told me to contact my " 3rd party debt management ''. I have never had a 3rd party debt management!!! I don't know what they are talking about. So I asked how do I get a copy of the original chat transcript from a few weeks ago. I was told that is not possible. SERIOUSLY? I did not imagine this. I want a copy of that transcript as proof that I DID contact Capital One for assistance and was put on a payment plan .... but nobody seems to see that or know what I'm talking about.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc. (AR)

Debt claimed is for insurance premiums from XXXX XXXX, my former employer, for months of something like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2013. I was out on XXXX leave. I had run out of FMLA so they were not required by law to continue my insurance coverage. I had applied for SSDI. I never returned to work. I was covered by XXXX during the time in question. 
When XXXX XXXX XXXX XXXX XXXX tried to collect this money from me I sent them proof from the Wisconsin state XXXX office that my coverage started on XX/XX/2013. They ignored this. I filed disputes and sent the documentation to XXXX, XXXX, and XXXX, but only XXXX   removed the account from my credit report.
Consumer complaint received 2019-08-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CA)

BMW claims I did not submit my deffered payment application on time which is not true. The application process is extremely difficult and confusing to the average user my contact with them were multiple and we'll documented I am seeking a fair review of my original application and would appreciate your assistance on this very matter. My contacts with BMW include but are not limited to the following. 

XX/XX/XXXX- XXXX approx at noon XX/XX/XXXX XXXX `` '' XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I spoke with an employee they were unable to assist me I was calling to inform them that their portal was not functioning correctly and I require immediate assistance no fault of my own I was unable to successfully submit the required paperwork through the portal on the BMW app due to the state of their portal functionality.
Consumer complaint received 2019-07-11
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (WA)

Contacted reverse mortgage company ( bank ) asking for the pay off on a loan after my Father passed away. I was told an appraisal was done. Appraisal was a `` drive by. '' No one entered the home. It sits behind a half acre of land. A `` drive by '' is not an accurate appraisal. Also, the home sits in a town that over 37 houses are in foreclosure due to a decline in employment. ( Oil field town. ) After speaking to a loan officer, I was told they were asking for the MAXIMUM amount they could on the home, not neccesarily what my Dad borrowed. Selling this house at their asking price is ludacris. I believe a law was passed in XX/XX/18 stating that they have to agree to let me ( trust holder or beneficiaries in Trust ) sell his house at FAIR MARKET VALUE. Asking for more than he loaned is not only unfair, but lying about the amount we owe is also unfair. No one will tell me what the pay off ( amount of reverse mortgage ) actually was. No one will do an accurate appraisal. No one will return my emails. Complete ridiculous and I'm sure a law is being violated here. I have rights to have complete and full disclosure to all information in order to try to sell and pay off the borrowed amount, not what the bank would like to make.
Consumer complaint received 2019-08-01
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. (FL)

I don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.
Consumer complaint received 2019-01-24
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp. (MI)

There is an account for XXXX XXXX XXXX on my account. On XX/XX/XXXX I contacted them at XXXX to request they send me all documentation in regards to the loan so I could take them to court to try and get this item removed from my credit report. They told me unless I had a police report number they were under no obligation to send me the documents and they would need a list a specific documents to send ... that m, e requesting the entire file without an attorney was to general and they were under no obligation to do so. I asked was the line being recorded and the gentleman and he them accused me of recording the conversation and I said NO you record this conversation. EVERY CONVERSATION IVE EVER HAD WITH THEM HAS BEEN RECORDED, and time and time again I have told them I was NOT the individual who took out the loan. because THEY insisted I get a police report in order to obtain the original loan agreement ... I did. It is XXXX and was filed in XXXX XXXX, MI XXXX  County. I then called XXXX and they informed me they are already removing it from my report and I am praying that the other 3 agencies follow suit. 

XXXX XXXX XXXX : You have been out of communication for an extended period. We have tried to call you on numerous occasions. Please contact XXXX XXXX XXXX today before XXXX XXXX Central Time. Assistance may be available to remedy you situation. Contact me directly at XXXX XXXX ext XXXX Thank You , XXXX XXXX | Deficiency Representative | XXXX XXXX XXXX XXXX ( Phone : XXXX XXXX ext XXXX| XXXX Fax : XXXX *Email : XXXX cid : XXXX The information in this email is confidential and may be legally privileged. It is intended solely for the addressee. Access to this email by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted to be taken in reliance on it, is prohibited and may be unlawful. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. 

XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX to XXXX I've told you and your representatives several times I am not the individual who purchased this car. My information was stolen by XXXX XXXX XXXX XXXX XXXX with the help of his friend XXXX who has worked at several dealerships in XXXX XXXX, MI. Never once did I step into that dealership amd pirchase a vehicle from them. The photos of my license are clearly that and not copies and the signature and the contract is not mine either. When the car was recovered it was in his possession as it had always been. I will not agree to pay anything due on this vehicle because I am not the individual who signed the purchase agreement on the car. 

Sincerely, XXXX XXXX This was my last communication with them in XX/XX/XXXX. I was told on that same recorded line they were going to take me to court and I asked them to so we could resolve the matter back when it began.
Consumer complaint received 2019-07-10
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. (FL)

XXXX XXXX XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX Bank did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, Experian, XXXX, and XXXX to no avail.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX ( XXXX ) reported to Experian an account from XXXX   XXXX XXXX in the amt of {$420.00} for services on XX/XX/XXXX. An internal review by XXXX   found on XX/XX/XXXX a XXXX  account specialist erroneously sent the billing to XXXX rather than Medicare and the secondary platinum insurer. Upon discovery, the erroneous action was not corrected and resulted in erroneous information remaining with XXXX XXXX Experian. '
Consumer complaint received 2019-08-03
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: CITIBANK, N.A. (MS)

Hi there. I would like to notify you that some charges on my account are fraudulent. I was the victim of a scam which is fraud. 

The person who scammed me has been reported to the local police and the FBI. His name is XXXX XXXX and he can be reached at XXXX. His number is XXXX His partner is XXXX XXXX and she can be reached at XXXX. My police report is on file with the XXXX County Police  Department. 

The following charges are fraudulent and should be removed : XX/XX/2018 XXXX XXXX {$8800.00}.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Google Compare Credit Cards Inc. (CA)

We use Google Pay to collect rent payments from our tenants. Our tenant transferred {$3300.00} to us on XX/XX/2019. On XX/XX/2019 we received notice from Google Pay that our receipt of the payment was suspended due to " Unusual Account Activity '' ( which Google Pay admitted was an error ). 
We contacted Google Pay by telephone on XX/XX/2019 and they said they are having " technical problems '' processing the payment and will " escalate the problem '' to their " product specialists '' to try to resolve this problem with no guarantee that it will be resolved in a timely manner. They said we would be put into the " queue '' behind possibly thousands of other victims.. 
This is totally unacceptable for Google pay to be holding our money XXXX while they are trying to fix their ongoing problems. In the meantime, we can not ask the tenant to cancel the transaction because that would possibly take up to 10 more business days to get his money back - according to Google Pay. 
What can we do to get our {$3300.00} rent payment back that is being held XXXX by Google Pay?
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX XXXX,XXXX XXXX , XXXX XXXX  . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I was trying to short sale my house a number of years ago and i was told by the mortgage company to stop making my payments every month since we were short selling it and it would not effect my credit. Now that I am trying to buy a house i see that it shows 3 months of late payments from back in 2015 when i was short selling the property. This is effecting my score and it should not be there as i was told they would not report me late. Please assist me in trying to get these removed from my credit report.