davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I have a HELOC with XXXX. 

My interest rate has been at 2.24 % fixed up to this date. 
Although the amount of my principal has been decreased from {$110000.00} to {$83000.00} the interest amount I am paying is fluctuating and in some instances has been increased. 

For example : On XX/XX/XXXX, my principal balance was {$95000.00}, and the amount of interest I paid was {$170.00} at a rate of 2.24 %. 
On XX/XX/XXXX, my principal balance is {$83000.00}, and the amount of interest is {$170.00} at a rate of 2.24 %. 

As I demonstrated above The principle is decreased, and the interest rate is the same at 2.24 %, but the interest amount is increased. The amount of interest is fluctuating every month, and there is no reasoning behind it. 

I have complained to Rocket Mortgage several times, but they do not think this is a problem. They are very condescending and show me a formula, claiming this is different than the way mortgages are calculated. 

This is fraud. If the principal amount is decreasing, and the Interest Rate is the same how can they justify the differences in the interest amount every month?
Consumer complaint received 2022-04-20
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. (TN)

There is a collection agency that keeps reappearing. It is removed then reappears. To make matters worse, they harass me constantly, in violation of the Fair Credit Reporting Act. One time I picked up the second phone call in a couple hours and asked why he was calling so much. He said the FCRA allows him to call six times a day, if he wants. Thats false. Unfortunately, this particular agency is knowingly violating the FCRA and misstating the law in furtherance of that. I have letters, voicemails, calls, etc. Some from the same day. All this for a debt that was already removed. Surely, the bureaus do not support this blatant violation of the FCRA.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account number : XXXX and, Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I received a Locked Loan Estimate from Rocket Mortgage which showed a Lender Credit and NO Discount Points. This was for an 85 % Loan To Value with Mortgage Insurance. I asked if this was approved and was reassured these were the accurate terms. I later received a Closing Disclosure at 80 % LTV with over {$9000.00} in Discount Points with no Lender Credit. I asked why this changed, and they said Loan Estimates are just an Estimate. There is no assurance the Lender Credit or Discount Points do not change. I know that this is not good business and is not accurate. If you disclose an interest rate with no Discount Points and a Lender Credit you can not add Discount Points and remove the Lender Credit without a valid change. In this case my Loan to Value was reduced to 80 % which is an improvement in terms, and does not support an increase in closing costs to me. We had a 2nd issue with Rocket Mortgage where we were required to payoff a truck in order to qualify. I didn't realize until I received my final XXXX at closing, that they disregarded my bonus income that I have earned and documented for over 2 years. The result was {$28000.00} less in cash in hand which we expected to improve our home. We had a 3rd issue with Rocket Mortgage regarding our Payoff Demand. When we received closing documents we noticed the payoff demand did not reflect our most recent mortgage payment was made. We did not want to over pay and wait for a refund from the paid off lender. When we requested Rocket Mortgage obtain an updated payoff demand before we closed, they told us our only option was to cancel and re-start the loan. I have this in writing. Why would I cancel my loan and start over for a simple payoff demand update. Interest Rates were increasing at a rapid rate at this time, and I can only assume they treated us this way because the didn't want to honor our interest rate of 3.875 %. It was better for Rocket Mortgage to have us cancel our loan because they wanted us to payoff our truck, and not update the payoff demand, then to work through the issues with us. They also overcharged us for our interest rate when looking at our Locked Loan Estimate versus our Final Closing Disclosure. The Loan Amount went Down, there should not be a removal of Lender Credit or increase of Discount Points for a lowered loan amount. We felt we had no choice but to close the loan, or face cancellation from Rocket Mortage, and get a much much higher interest rate if we didn't accept the forced terms.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a claim in for breach of information and a fraud report filed with FTC. This is verifiable. I filed bankruptcy and it was discharged however this credit bureau still have fraudulent inquiries on my report and accounts that were included in my bankruptcy and should not be showing delinquent and or on my report at all.

The inquiries are as follows : 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 I also, have asked them several times why is my score so low because I feel it is a form of retaliation because I do not have any bad accounts, lates and the inquiries are wrong, I DO NOT HAVE A STRIDE BALANCE and The amount on my Revvi account is incorrect.
Consumer complaint received 2022-04-19
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX have all violated my rights as a consumer.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2022-04-19
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: Spring Oaks Capital, LLC (MI)

I have complained numerous times to spring oaks Llc about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Quite recently I was perusing my credit reports as I normally do. I came across a few inquiries via all my credit reports, however with this specific issues it was with Equifax. I wrote Equifax ( 4 ) times and call the creditor in question XXXX to highlight them of the situation at hand - an error/fraud per an inquiry on my report which I didn't authorize. However, XXXX decided upon their investigation that it was indeed a fraudulent attempt to gain access to my credit report - which produced an inquiry. I spoke with Equifax 's many representatives, and nothing became of the issue- as they keep telling me via my disputes online and via mail that it was of my own doing. Today XX/XX/2022, Equifax removed the hard inquiry dropping my credit score to XXXX pointsXXXX!!! When I spoke with the agent, she admitted that my scores shouldn't have dropped that drastically and she was going to look into it. Well, she couldn't find any reason and did not resolve the issue. So, instead of my score remaining the same or been placed in a positive. She tried to tell me all the possible reasons why it may have happened - but, that was not the case since all the reasons she mentioned were not in line with how the regulations work or the system itself. I would love to have this item resolved and my scores be placed back within the parameters per their original.
Consumer complaint received 2022-04-19
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: Westlake Services, LLC (GA)

I applied for a refinance loan with my mortgage company XXXX XXXX and they pulled my credit report and advised of an existing auto loan. I advised them that i have never obtainened this loan. I disputed with experian as well as the consumer which is Westlake Financial. This account does not belong to me it is account number XXXX. I would like for this to be taken out of my credit report because it does not belong to me. Also another account with Wilshire Consumer Credit account that starts with XXXX was opened and i just requested to dispute with XXXX yesterday XX/XX/2022. I have no idea why these 2 accounts have appeared on my credit report but they are not my accounts. 

Westlake Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX or XXXX Wilshire Consumer Credit XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I have emailed Westlake financial and have disputed the accounts with XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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: TD BANK US HOLDING COMPANY (SC)

THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST CREDITORS AS A PART OF MY IDENTITY THEFT PACKET FILED IN XXXX. I FILED REPORTS IN THE PAST BECAUSE I HAVE HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T EVEN HAVE MY CORRECT INFORMATION. I WOULD LIKE FOR THESE COMPANIES TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING INACCURATE ACCOUNTS. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY! 

XXXX XXXX XXXX has multiple accounts
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

To whom it may concern, My name is XXXX XXXX ( full name : XXXX XXXX XXXX ), I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : Equifax XXXX XXXX XXXX for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB XXXX XX/XX/21 - CFPB -XXXX  XX/XX/21 - CFPB XX/XX/21 XXXX  - CFPB XX/XX/21 XXXX - CFPB XXXX XXXX account # XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All of the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Appreciate your help. 
Sincerely, XXXX XXXX Tel XXXX  ( XXXX ) XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, My name is XXXX XXXX ( full name : XXXX XXXX XXXX ), I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : XXXX TransUnion XXXX XXXX for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB -XXXX  XX/XX/21 - CFPB XXXX  XX/XX/21 - CFPB XX/XX/21 XXXX - CFPB XX/XX/21 XXXX  - CFPB XXXX XXXX account # XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All of the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX your XXXX. 
Sincerely, XXXXXXXX XXXX Tel : ( XXXX ) XXXX
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

I submitted for a loan on XX/XX/XXXX and it is still not closed. I was told by their loan officer XXXX XXXX that they could use my previous appraisal. Then at the very end, I was told they could not use, misled. Another appraisal was done and rec 'd on XX/XX/XXXX. I was told that was the only thing needed.. still not closed During this process the loan processor XXXX XXXX did 0 on my file. I had to escalate to the loan processor manager who then reassigned my case to another processor. XXXX XXXX has been excellent during the process. The issue is now loan depot is stating there are two student loans on my account, two of which has been consolidated are not showing 0 on my credit report. It has been one thing after the other and now going on 3 months and still not resolved. The lender fees keep increasing everytime, they get a loan extension because they are not doing their job .... I feel the practices are deceptive and misleading. Now interest rates are higher so I am stuck with trying to refinance with them... I need resolution,
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans union has state that do not honor the fair credit my reference number was XXXX I was told that they didnt have to follow the fair credit act. Also I was told by a XXXX that they do not know the law and I should call the CFPB. The fair credit act I was referencing was ( In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ) please honor the law and delete all negative items and hard inquiries off my report immediately. My next step will be legal action against trans union
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.