davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

My loan officer used high pressure sales techniques, at the end of our first phone conversation, stating he was on a recorded line, to collect a non refundable deposit. 
I reluctantly gave him my credit card information and he collected {$500.00} on XX/XX/2020. 
My loan officer made the projected refinance loan amount out for {$120000.00} which is approximately {$5000.00} more than what I currently owe on my existing loan. This was done so there would be no out of pocket expenses. My loan officer stated the cost of the loan could exceed that amount by two or three hundred dollars due to third party expenses. I now have a copy of the closing costs details to review posted on XX/XX/2020, and the loan amount is written up for {$120000.00} which is {$2000.00} more than the amount we agreed on. 
The loan officer offered me a lock down float interest rate of 2.25 % and I was told that if the market rate went lower I would get a lower rate. I was never offered a lower rate when the daily rate went down. 
The loan officer was angry with me when I reached out to theXX/XX/XXXXXXXX for advice and he told me to only communicate with him. I initially sent my loan officer a photocopy of my personal bank statements with the account number inked out. The loan officer stated that he had to have my bank account number which I later provided even though I was concerned about creating a security breach. 
The loan officer sent me an amortization of my projected loan refinance in which the APR for the loan was listed at 2.250 %.

In the loan Closing Disclosure that APR is listed 2.675 %. 
My present mortgage is a conventional loan. In all the information that I provided to the loan officer I never asked for a different type of loan. Without my knowledge the loan officer switched the projected loan offer to a veriable rate ARM. 
The loan officer was provided with information about my finances and it was made clear in our phone conversations that I was looking at refinancing to take advantage of interest rate savings. An ARM mortgage loan was never discussed nor was their any disclosure on that information prior to my receiving the Loan Terms Agreement and Closing Disclosure available on the internet for my review on XX/XX/2020. 
In my final conversation with my loan officer at the end of last year, he stated that if I didnt provide my electronic signature prices would probably go up. 
I have provided all the information that the company requested in a timely manner but when I contacted the Mortgage Sales Manager I got no response.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Comenity Bank/ Wayfair account. 
I want you to know that I understand my financial obligations, and if it werent for the wrong address that you had on file for which I called 6 months ago to have it change I would not have missed the payment ], My debit card was stolen so I got a new one and didnt remember to call the bank since I didnt receive any letter to my new address for the late payment. Since I found out that I am being late from the XXXX XXXX I called the bank right away and made the complete payment of XXXX  . So I dont have any remaining balance. I have an excellent payment record and have never missed any payments., Ive a spotless record of on-time payments. 

Im planning to apply for a auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2021-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

In XXXX of 2020, we refinanced our VA mortgage loan. The broker who wrote the loan immediately sold the loan to Freedom Mortgage. We had the loan set up for automatic debits on the first of each month. The payments were automatically debited as agreed until XXXX when unbeknown to us Freedom stopped debiting the monthly payments. We learned of this in mid-XXXX when we received a statement noting a " Bankruptcy Notice. '' We have NEVER declared bankruptcy and were stunned. After a considerable amount of effort and being repeatedly told by Freedom they could not discuss the matter, we spoke with someone at Freedom who shared the details of the bankruptcy filing. The names did not match ours, the address did not match ours ( it was in another state ), the Social Security numbers did not match, and the loan number did not match. Despite all of these irregularities, someone at Freedom chose to put the erroneous information into our file and report the fraudulent bankruptcy to the credit reporting agencies. Our credit rating plummeted. And Freedom marked our account as " delinquent. '' They keep taking payment information over the phone but never processing it through our bank, deleted the automatic debit information, and refuse to reinstate it, continue to list our account as delinquent even though they have what they need to receive payment, and refuse to correct the erroneous information conveyed to the credit reporting agencies.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NC)

I paid off my balance on my revolving Line of Credit with Wells Fargo on XXXX. It was a business account. They withdrew {$120.00} from my personal Credit on XXXX even though there was a XXXX balance. I called them and they said that they would issue me a check. 2 weeks or more later I received the check but it was addressed to the business name instead of me personally. I took it to my bank on XX/XX/21 and they told me they couldn't cash it because it was in a business name and to take it to Wells Fargo who submitted the check. I went to a Wells Fargo Branch, waited over 30 minutes in a car line but they said since I didn't have a savings or checking account at Wells Fargo that they couldn't cash it. The Branch Mgr. said that he would give me a telephone # to call and that they would mail me a check overnight. I spent over two hours on the phone with 5 or 6 departments. No one knew how to fix the problem. They called the Branch Mgr. and he said that he didn't tell me that. I asked that he be reprimanded for his lie to me and to them. They said that another dept would call me back later. I received a call on XXXX from that other department. They informed me that were recording the call. I then informed them that I was also. She put me on hold, came back on and stated that the conversation was over since I was recording. She then promptly hung up on me. They took {$120.00} from my personal checking even though I had a XXXX balance. I want my money and now they won't even talk to me. I told them yesterday to simply send me a check in my name since the funds were taken from me and express mail it but no one at Wells Fargo was smart enough to figure out how.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NJ)

THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (LA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NY)

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS
Consumer complaint received 2021-01-08
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. (AZ)

On XX/XX/2020 I wrote dispute letters to XXXX, XXXX and TransUnion disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to my Credit File.
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (IL)

Back in XXXX I received a collection notice from Merchants Credit Guide Company. In XXXX or XXXX ... I ended up paying the bill online in full on their website. 
XXXX comes and I have an entry on my credit report from Merchants Credit Guide Company stating I owed them XXXX dollars. 
The amount that they gave me to pay was wrong. If I were told I owed that ... I would have paid it when i paid it online. 
Now I have a collections account on my credit report that I have no idea I owed. 
Never received a phone call or a letter after I initially paid. 

It's not like I knew I owed this extra amount or I would have paid. Was it a website error? 
I am a former employee ... was it done this way on purpose? There are alot of questions and no answers ... .I paid the Bill! 

I know that some people write things like this in order to get out of debt owed! I know I was on the other side of this. But I paid it! I paid the amount in full online.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Free access to credit report has disabled. I am unable to obtain a copy of my transunion report after several request through website, annualcreditrepirt.com and request by phone per website advisement.

I am unable to dispute any of the inaccurate information with any of the 3 bureaus at this time. All online access from previous fraud alert program has been disabled.

In addition, All 3 credit reporting agencies have not updated my report nor my score with current accurate information
Consumer complaint received 2021-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MA)

I refinanced my home mortgage with Quicken Loans on XX/XX/XXXX. The fund dispersement date was set on XX/XX/XXXX. I prepaid mortgage interest to Quicken Loans for that day. Quicken Loans did not send out the fund to my previous lender until the evening of XX/XX/XXXX. As a result, my previous lender, XXXX, did not receive the fund until XXXX on the next day, XX/XX/XXXX. 

When I first called Quicken loans about the issue, the representative told me the fund was sent out at XXXX on XX/XX/XXXX. In subsequent convesations, Quicken Loan was no longer willing to tell me at what time of the day the fund was sent out. 

Quicken Loans has refused to refund me the interest for the day of XX/XX/XXXX, in the amount of {$42.00}.
Consumer complaint received 2021-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with This credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- XXXX XXXX account # XXXX XXXX account # XXXX -- XXXX account # : XXXX - In XX/XX/2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2024-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024, money was withdrawn from my savings account without my authorization.

This happened while I was at work in XXXX XXXX, California. The amount withdrawn was {$2700.00} in XXXX separate instances ; {$900.00} each time. This occured at XXXX Bank of America locations in XXXX XXXX XXXX ; in XXXX, XXXX, and XXXX. 

I filed a police report, which is attached below, and contacted my bank to start a fraud investigation on XX/XX/2024. My claim was denied by Bank of America claiming that I was in their video footage signing to authorize this transaction.
Consumer complaint received 2021-01-08
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. (IL)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.
Consumer complaint received 2021-01-08
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. (IL)

XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.
Consumer complaint received 2021-01-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TN)

I contacted National Credit Adjusters about my XXXX XXXX account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted NCA to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX and called and i keep getting call the collections, call XXXX I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

XX/XX/2020 started my new campaign to work something out with my mortgage company, BSI Financial Services. I was told I was approved for their loan modification program. BSI agreed to offer  me a loan modification in XXXX as long as I make 3 on- time payments. I am doing and did exactly what they ask and then I received a foreclosure letter from a lawyer, in the middle of the terms of their agreement. I have continued to make my payments as per our agreement. My attempts to reach out to BSI have been unsuccessful. My calls are not returned, and I am hung up on when I type in my personal information. Before BSI AGREED to work with me, I OFFERED to pay HALF of my arrears before the start of my modification. The BSI loan personnel SAID NO, to be exact, it is not necessary!! She stated BSI will put the amount at the end of the loan as long as I met the agreed 3-month trial pay period. She  even quoted a lower modification amount and I chose to continue to send in the same amount, asking it to be applied to my arrears. I told her until I get the confirmation letter of my modification, I will continue to send my established mortgage payment. The lower amount was more than {$100.00} less than my actual payment. She explained I would not receive any paperwork regarding my modification until I met my agreement. We are still in the middle of the agreement and I received a letter stating my home will be sold in 30days. And no one from the company has answered my calls since I received the lawyer 's letter. BSI made an agreement, refuse to honor it, and now is selling my home from underneath me even though I am paying my mortgage. Why is this company being allowed to do this doing this tremendous world health crisis? 

I am in no way denying my obligation to my mortgage. I am continuing trying to reach out and I am continuing trying to meet my obligation to my loan. My state and federal representatives all have stated to the public to stay in contact, reach out, make a plan, and let your loan service know where you are and what you are doing in this crisis period. I am and I have. It has been a one-way street. I AM STILL PAYING!!! Why am I here? The money I am giving could  be used to try to secure my XXXX children and myself housing elsewhere if they were going to go here. Why didnt BSI tell me, too little, too late? Why give me false hope and allow me to deplete my finances to just turn around and go to this level. Now I am about to be put in a deeper crisis and hardship going into the holiday season because BSI decided to superficially offer hope to just take it away ; without notice and without me NOT meeting the agreement.

Where is the justice? Where is the humanity? They are not even the owners of the property. How can a third party have the authorization and rights to swindled homes with their predatory and deceptive financial practices legally.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this to let you know that the following company has unapproved inquiry on my credit report. Below are the names of the company and the dates on which I acquired the inquiry. 
XXXX XX/XX/year>
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I requested USAA to send {$190.00} to my Home Owner Association account # XXXX on XXXX, 2022. See the attachment " XXXX '' which was provided by USAA mailed to me through US Post Office. It shows I requested to send to an account ending with XXXX. 

But, in the receiver 's receipt provided by XXXX XXXX XXXX, it shows this payment was sent to an homeowner ID XXXX. 

Because of this mistake, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) applied {$1000.00} in fines. 

In the past I called USAA numerous times for help resolving the issue. But, USAA was not able to do anything on my case.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX sent us first notice on a final bill from our sold Florida residence on XXXX XX/XX/2020. It was paid immediately, and XXXX XXXX confirms this. The balance is XXXX 

On XXXX XXXX, the bill was erroneously sent to Credit Collections Services, which XXXX XXXX admitted should have never happened. Credit Collection Services then proceeded to double the bill to {$870.00}, and refused to acknowledge that it had been paid. They have been rude and abusive to us. They reduced the balance in half, but it still remains at {$430.00}!