davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (VA)

We submitted an application to Better Mortgage to refinance our home back in XXXX of this year. We paid for an appraisal and it was completed on XX/XX/XXXX. We were not happy with the service we were getting from Better Mortgage so in early XXXX we decided to go with a new lender. The new lender will accept the appraisal we had done. On XX/XX/XXXX I emailed the representative we had been working with with the appraisal transfer information we needed forwarded to the new lender. When I didnt receive a response back I called Better Mortgage XXXX XX/XX/XXXX and found out she no longer worked there and was given another email address for a different person who worked there. I emailed him and again no response. I called Better Mortgage a couple more times and on XX/XX/XXXX received another email address to contact. I sent another email and still havent received a response. Ive been getting the complete run around with this company.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

A hard inquiry from capital one appeared on my credit report! I did not give capital one permission to run my credit! It has been removed from 2 of the 3 credit reporting companies it has not been removed from XXXX.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$21000.00} ; Medical XXXX : {$56.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MT)

In XX/XX/XXXX, we began a loan modification with Carrington Mortgage. The modification was approved and being processed. While the modification was in process, I received a job offer that required relocation. At that time, we decided to sell the home while in the process of modification. We continued to make monthly payments during the modification process. We contacted Carrington Mortgage once we received the paperwork to complete the modification and told them we were about a month away form closing on the sale of the home. We were instructed not to complete the modification paperwork since we were selling the home. Carrington Mortgage then reported my account to credit bureaus as 60 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then 90 days late for XX/XX/XXXX, and 120 days late for XXXX and XX/XX/XXXX. Again, during this time, monthly payment were being made. I've disputed via the credit bureaus and have contacted Carrington. The payment history has not been corrected to on-time. This has since caused major issues in trying to get a new mortgage. We need our payment history corrected to on time since on time payments were being made.
Consumer complaint received 2019-12-20
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)

I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I sold my home earlier this year with the transaction closing on XX/XX/XXXX. All balances were settled at closing including all escrow items. Therefore, my mortgage company, Truist Home Mortgage, was supposed to refund me the escrow balance of {$4300.00}. To date, I have not received this balance due to me. I have attempted to resolve the issue 3 times, 2 by phone ( XX/XX/XXXX and XX/XX/XXXX ) with customer service and once at a branch ( XX/XX/XXXX ). 

-The original check allegedly sent never arrived. On XX/XX/XXXX, customer service said they would stop payment and reissue the check. 
-On XX/XX/XXXX, the reissued check arrived badly damaged and possibly tampered with. 
-On XX/XX/XXXX, I brought the check to a branch and was informed that they could not deposit the damaged check. They agreed to contact the mortgage escrow department and have the check reissued. I requested that the bank find another way to deliver the funds ( issue a check in branch, send express mail, wire transfer ). I was told the escrow department had to issue a check for accounting purposes, but if there is a problem next time, they will look into it. I requested this be expedited as it had been over a month since closing. 
-On XX/XX/XXXX, I called customer service to complain after having not received a new check and requested to speak with a manager. The bank rep said a complaint was generated and a manager would call within 48 hours. That time has lapsed and I dont have my money almost 2 months later. 

What is particularly galling is that everyone I spoke with from Truist made a point of saying it is not their fault what happens in the mail. However, it is their fault that they were repeatedly notified of the problem and failed to adjust how they deliver my money some other way. 

I also note that it says on the damaged check envelope, Mortgage - Cash Operations notifying criminals that there are funds in the envelop. 

Please help. Thank you.
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp. (NV)

I was contacted by Armada corporation, about a debt to XXXX XXXX XXXX  XXXX. I explained that this charge was incorrect since it was for an XXXX XXXX XXXX that is covered by my insurance. I explained that I have two insurances and should not have a bill at all.
Consumer complaint received 2019-12-13
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. (NH)

My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NY)

To whom it may concern : Re : Deceptive marketing Ambiguous responses Misrepresenting Benefits On XX/XX/XXXX I entered an Apple Store in XXXX, XXXX  to purchase an XXXX. I had no intention of applying for a credit card. As I was getting to pay for my new phone. The sales associate informed me that if I had good credit I could qualify for a card with 0 % interest for 12 months. The response will be immediate, and I can repay earlier. I received an instant approval and the phone was charged to my new credit card. The total balance was {$1200.00}. On XX/XX/XXXX, I went to make a payment of {$240.00}. I then noticed the balance stated that interest would be accumulating in the account as of XX/XX/XXXX if the total balance due was not paid in full. I immediately contacted the customer service department, and they notified me that I qualified for % percent interest, but it will be on a 24 monthly installments set amount. I explained that I wished to pay as the original advertisement was made at the store. I preferred a 12 month 0 % interest with the ability of me deciding how much I pay monthly, and not in a 24 monthly installment plan. The representative told me that was not possible. When I asked for the terms in writing, he said I can only get a reply in writing if I used the text feature ( Please see attached ). The conversation was ambiguous and I didnt not receive a clear answer. I would not have done a credit inquiry nor open an account have I been given the correct terms. This company is misrepresenting benefits and engaging in deceptive marketing practices with the goal of getting a consumer to open an account. I ended up paying the account in full. However, had not been in a position to due so I would have been forced to keep a 24 monthly installment plan. Please look into these deceptive marketing practices. I wish to close the account without any repercussions on my credit score. Thank you in advance for your attention to this matter. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have tried to use Experian 's website over a dozen times today to obtain my PIN number, login, and unfreeze my credit in order to apply for a personal loan for debt consolidation. Continuous error codes generate, and when I DO log in to the site and try another route, there is an " Oops '' tech error. EVERY TIME. 

On top of all of this, I CAN NOT get a physical human being on the line, despite entering all of my personal information. The prompts simply run through the robotic system, and the phone disconnects. 

This is absurd that I can not reach this company to unfreeze my credit, when XXXX XXXX website did it in under 5 minutes.
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (HI)

XXXX  and TRS Recovery Services Inc. are trying to collect a debt for an amount of $XXXX that was not created by me. They have confused my name with another person of the same name but different middle initial. I live in a different U.S. state and have not moved in the past 10 years. I've contacted XXXX  and TRS directly but still am receiving these debt collection letters in my mail. I feel violated and harassed and therefore I'm filing this complaint to have them stop and send this bill to the right person or address.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (PA)

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report.To this day 30 days later i have not received a response yet.I feel like im being taken advantage of and being ignored of my disputes.Section 611 ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me my information was also impacted by the XXXX data breach and may have got into the wrong person
Consumer complaint received 2021-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

Midland Mortgage is still being deceptive and undermining the COVID-19 CARES ACT by not giving consumers the right options nor following the rules provisioned by the CARES ACT. I am currently in the process of exiting my Forbearance on XX/XX/XXXX ( please see complaint XXXX for reference and more context on my experience with MIDLAND MORTGAGE in regards to the CARES ACT provisions ). I would also like point out that they XXXX is not they loss mitigation number, its customer service. If you don't know to ask for a lost mitigation agent, customer service will pretend to be one and waste your time. On XX/XX/XXXX at XXXX pst I called XXXX and spoke with XXXX XXXX who acted like loss mitigation then confirmed she was not loss mitigation and I had to ask to be transferred and was greeted by XXXX XXXX XXXX a loss mitigation agent. I asked what are my options she stated I can go on the website and see the two options. They are the partial claim and foreclosure. I told her I wanted neither option but was interested in a partial claim Covid-19 re-modification and I did not see that option online. She did some mumbling incoherently and I asked again if she was loss mitigation. She said you and then began to take the application for the Covid -19 re-modification. My current mortgage is XXXX she stated me a re-modification number at XXXX. I informed that was still kind of high and can we get a lower number. She said no either take that number or enter foreclosure. I told her I would do anything to avoid a foreclosure. I then asked her how did she get that number and she stated she did not know the computer gave it to her. I told her I would be filing a complaint because the information I read on XXXX was very different from they are doing it. I read it would be a 25 % reduction and that the mortgagee will coherently calculate everything. I then asked XXXX XXXX if I had to pay the XXXX on XX/XX/XXXX or will they have it figured out by then. She stated she did not know and for me to wait until I receive mail from them. On XX/XX/XXXX XXXX pststill concerned I called XXXX spoke to " customer service '' got transferred to loss mitigation agent XXXX XXXX who finally acknowledged the provisions but clarity, proper proposal or extension. Midland Mortgage is not being very forward about this process nor fully following the process and it is stressful enough already dealing with this not too mention all the other things going on.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

I received a letter from US Bank dated XX/XX/XXXX thanking me for applying for a Platinum Credit Card account. It also states that the consumer credit reporting agency has indicated that I have put a security freeze on my credit file and they are unable to obtain information from the consumer reporting agencies. It states that it is important that they receive this information within 15 days from the date of the letter in order to continue processing my application.

I never applied for a credit card with US Bank so I called US Bank on XX/XX/XXXX ( XXXX ) and spoke with an agent. I explained that I did not apply for a credit card and asked why I received this letter. They input my information in their system and said there was nothing indicating that an application in my name was in process so there was nothing more they could do. 

I then called XXXX and spoke with an agent who said that someone must have my SSN in order to submit an application. I then placed a fraud alert on my credit file.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

The loan number for this account is XXXX the problem started what I was making my payments and they said I wasn't they started foreclosure, and they've also been messing with my escrow account for years. Saying that it was short and asking for more money raising payments. They have done nothing but mess with my mortgage, then they said they sold it out to XXXX loan mortgage services, then they come back and ask me for the another mortgage I don't know where I'm at at this point. One mortgage is twice what I paid for the house the other mortgage is about where it should be.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (CA)

I, XXXX XXXX, leased a new XXXX BMW XXXX on XX/XX/XXXX. Did a lease transfer on XX/XX/XXXX, approved and authorized by BMW XXXX. I, the original lessee, signed the transfer agreement on XX/XX/XXXX, the new lessee, XXXX XXXX signed the agreement on XX/XX/XXXX. The transfer was then completed. I then shipped the vehicle to XXXX. the transfer agreement is now exhibit XXXX. 
XXXX then went to California XXXX on XX/XX/XXXX, filled out a vehicle/vessel transfer and reassignment form, without my knowledge and consent, said the original title owner was me ( should be under BMW XXXX XXXX, forged my signature and did a questionable title transfer to himself, XXXX then XXXX the legal title owner to the BMW XXXX XXXX the vehicle/vessel transfer form is now exhibit XXXX. 
BMW has now repossessed the vehicle, and BMW financial  has now sued me for : 1 : fraud 2 : breach of contract 3 : common count 4 : declaratory relief 5 : quiet tile 6 : injunctive relief amount of claim {$73000.00}. in addition, BMW is trying to rescind/void the lease transfer form which both original and new lessee signed and approved by them, on XX/XX/XXXX. 
BMW financial has never try to reach me regarding this matter. my phone #, email and address has not changed. I only found out about his XX/XX/XXXX, from the complaints served by XXXX XXXX XXXX XXXX XXXX. 
I have not breach my contract. credit report shows my account opened with BMW on XXXX was closed, paid and never late. I have not transfer vehicle title ( it's impossible because it was a lease ) lease assumption was approved by BMW financial. they have no right to rescind/void signed contracts at their own free will. 
according to exhibit 3, the lease transfer agreement was signed by me on XX/XX/XXXX. after that date lease is transferred and I am no longer responsible for the vehicle. BMW is now trying to blame me for their mistake, rescind the transfer, make me responsible for the remaining lease payments, pay for their damages and attorney fees while the vehicle is in the possession.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a mortgage with citizens bank with my maiden name. They are currently merging with XXXX bank and I recently had a hard inquiry for XXXX bank. Next thing I know I receive a credit & debit card in my name from XXXX bank for which I did not apply. Citizens leaked my private information to this XXXX bank without my permission.