davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation (IL)

We are in the process of applying for a mortgage for a condo via RedFin Mortgage. 

We are first time home buyers and have worked extremely hard, and are fortunate enough to have 20 % as a down payment to on the property we chose. 

Our closing date is scheduled for XX/XX/XXXX - and we have been going back and forth with several lenders trying to secure the most competitive rate possible for this large purchase. As we are entitled to do so ... 

When we initially began the application process about a month ago - we were given a rate of approximately 3.65 % using an exceptional credit score ( well into the 800 range ). Then due to stock market changes over the past few weeks the rates began to fall - almost all the way down to 3.125 % ( with the possibility of going lower ). As of two days ago now ( XX/XX/XXXX ) - the stock market continues a very concerning downward trend - but now mortgage rates have suddenly spiked even higher than they were before the markets began to tank. 

We are now being quoted a 4 % rate with no changes to anything - again, with exceptional credit scores - and are being told that other mortgage companies are doing the same thing. This does not seem right that they can raise the mortgage rates this much ( even higher than they were before the market decline ) - especially when the market is not showing any signs of improvement within the near future. How can this be? We are stuck with RedFin Mortgage now at this point - because otherwise we will lose our closing date and possibly the property.

We believe that this issue may be a move by several mortgage companies banding together to artificially inflate the rates to mitigate any loss on their ends ... we would appreciate someone looking into this not only at RedFin Mortgage, but across the board as this notion is extremely disturbing, and could very greatly impact many people in the process of trying to close on a home or condo.

We of course have been arguing back and forth with RedFin Mortgage on this with no luck - and the reason they gave as to how the rates could increase so high in such a short window ( 2 days ) - is that everyone is trying to re-finance and they can not keep up with the requests. Again - we are now stuck with RedFin Mortgage and can not back out unless we forfeit our closing date. This is not right ... 

Please look into this as soon as possible. 

Thank you in advance for your help.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth Third Bank, XXXX XXXX  XXXX XXXX, XXXX, Michigan XXXX. I as a new customer to the bank visited this branch to open a new checking account. Fifth Third is now offering a {$250.00} promotion bonus new account  opening with terms and conditions with a qualifying account. I did all the research on available accounts to choose. On Wednesday, XX/XX/2020 I went opened an account named Free Checking that has no minimum balance requirement. Its the best one for me to choose to avoid any fees. I spoke with a Rep, her name is XXXX XXXX XXXX to open the new account. I made it very clear to her, I wanted the Free Checking account. And not the one called Essential Checking which has minimum balance requirement and monthly fees. She assured me that I was set up with the Free Checking account. This was not the case, she lied and as I was sitting at her desk. She purposely opened the account named Essential Checking without my acknowledgement and authorization. Receiving an email from 5/3 corp telling my new account Essential Checking is opened. I showed her the email on my phone. And she said its worded wrong and don't worry about it. I was told from her I was all set, and she did not give me any documentation of the new account I have. She purposely lied and gave me a account I did not want. I drove to another branch in XXXX, Michigan and asked the manager what exactly account do I have. I was told the Essential Checking. Furious I was of the corrupt behavior that I was lied to. The manager there closed my account.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

Due to natural disaster in the state of Texas, my closing on refinance was delayed from XX/XX/2021 to XX/XX/2021( see attached letter ). I called and notified Freedom mortgage of the delay and they said the payoff would remain in good standing.

Loan was paid in full on XX/XX/2021 per Freedom mortgage and closed as ofXX/XX/2021 ( see attached documentation ) yet they debited my escrow account on XX/XX/21 for mortgage insurance. Are they allowed to do that after the loan is closed?

I tried contacting Freedom mortgage by secure message ( no response ) on XX/XX/2021. When I called on XX/XX/2021, she said there was nothing she could do ( customer service ) and that she would put a note in the record to have the money refunded. It was not. I am requesting a refund since I have a new lender as of XX/XX/2021 for this home.
Consumer complaint received 2024-02-10
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: CCS Financial Services, Inc. (SC)

Ive been trying to purchase a home and purchase a vehicle but my consumer rights have been tremendously violated by several collection companies listed below as well as the 3 major credit bureau ( XXXX, XXXX, and XXXX ). Which have violated federal laws while being knowledgeable of these violations. 

These companies are reporting fraudulent inaccurate information on my credit report. According to 15 USC 1681g, 15 USC 1681 ( a ) ( 4 ) and also 15 USC 1681 there should not be any damages on my report. These companies are all in Violation of my rights and its a defamation of my character. I have requested some creditors to provide the purchase agreement to show full ownership of an account and also any other documents and proof of chain of title. 

XXXX XXXX XXXX Account XXXX XXXX Balance {$430.00} reporting due as XX/XX/2024 They are not the Original creditor The original creditor would be ( XXXX  ). 

XXXX XXXX XXXX Account # XXXX Balance {$420.00} reporting due as of XX/XX/2024 They are not the Original creditor The original creditor would be ( XXXX XXXX XXXX ). 

XXXX XXXX Account # XXXX Balance {$1300.00} reporting due as of XX/XX/XXXX  when the account was charged off XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be also in violation of consumer laws. 

XXXX XXXX Account # XXXX Account is reporting closed and is a violation of my rights. 

XXXX XXXX Account # XXXX Account is reporting open when it shouldnt be which is in violation. 

XXXX XXXX XXXX XXXX Account # XXXX Balance of ( {$4700.00} ) is reporting due when this account was charged off at ( {$8800.00} ) and written off at ( {$4700.00} ). 1099-C Identifiable Event Code Event code 7 ( states a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel debt ).
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

We had closed our account with a cell phone company in XXXX of XXXX. All contract and billing requirements were met. In XXXX of XXXX ( 8 months after closing this account ) our credit card was charged for a phone that had not been returned. We disputed this charge with the cell phone company, but to no avail, and with our credit card company. 
Unfortunately, 8 months after the fact, we could not find the receipt for the phone return. 
We felt that since the cell phone company billing showed that it had been 8 months since our last business transaction, no charge should have been approved without a new contract. The credit card company upheld the billing stating that an investigation had been performed, and the original contract of XXXX was acceptable. As a result, we had to pay {$350.00} for a phone that had been return, 8 months after the fact.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (OH)

I got a new cell phone number in XX/XX/2019. The person who had this number prior is named XXXX. The debt collectors continue calling looking for XXXX. I have told them repeatedly that I am not XXXX, I do not know XXXX, and to stop calling me. They ignore these requests. This has been reported prior. I want this company fined and calls to stop.
Consumer complaint received 2023-01-17
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. (TX)

I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. You cant report this account as OPEN nor a past due balance. Inaccurate information. Failing that the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes.
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

My wife and I purchased a cabin on XX/XX/XXXX and got a mortgage through a broker. The loan was immediately sold to New Rez and all of the escrows collected at closing were transferred as well. 

Due to the timing of the closing we were concerned that the bill for property taxes would make it's way to the mortgage company given the time it takes to update the county records. In an attempt to avoid a late payment of the property taxes which were due XX/XX/XXXX I called New Rez to explain the situation and give them the property tax bill and tried to ensure they would pay it. Below is a summary of the calls I have made to New Rez XX/XX/XXXX My initial call to New Rez, I explained to them my concerns about the property taxes being paid and the situation I described above. They informed me that it didn't look like our account was setup for escrow ( It was and we paid the initial balances at closing ), but that can sometimes take up to thirty days to show up in their system. They advised me to call back at the end of the month and send in the property tax bill. On XX/XX/XXXX I emailed them the property tax bill which the acknowledged receiving. 

XX/XX/XXXX I called New Rez to verify that our account did have an escrow and they confirmed they had an escrow account for both property taxes and insurance. They also confirmed again that they received the property tax bill that I sent them and that it was scheduled to be paid in one to two weeks. Note that I can also clearly see on my mortgage statements that there is an escrow account with a balance ( more than enough to pay the tax bill ) and a portion of my payment is going to fund the escrow account. 

XX/XX/XXXX I received a letter from the county that the property taxes had not been paid and that late fees and interest have been assessed. I called New Rez again, this time they seemed to be very puzzled and nobody had any clue on how to help me, they transferred me 4 times which lead to me being on the phone for 1 hour and 5 minutes before anyone would even talk to me. They assured me that the order was in to pay the taxes and that they would cover any late fees and interest. 

XX/XX/XXXX My wife called the county to see if the taxes had been paid, they have not. She then called New Rez where they again acknowledged that a ticket had been opened XX/XX/XXXX and that they had received the tax bill but the ticket was still open. Despite our efforts we have not been able to speak to anyone that seems to know anything about our escrow account or how the property taxes should get paid. Nor have we been able to talk to anyone who even has a hypothesis on why our taxes have not been paid. They re-assured us that they would get paid and that New Rez would cover any late fees and interest.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

AMEX voluntarily cancelled my unused credit card. My FICA score has decreased significantly during the pandemic due to an increased and unforeseen household. All citizens are hurting but cancelling my account impact my credit. Another company reduced my limit only making my credit appear worse. I think during this time of great financial impact not caused by ourselves this practice shouldn't be allowed at this time. Reinstating my $ XXXX credit limit would at least sustain the present FICA score. This action combined with the other lender has the capacity to decrease my current score 50-60 points. Please don't let lenders get away with this unfair practice. Finally NONE of this would have happened if the pandemic didn't happen
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I was being charged for extra months for Internet service.no contract month to month basis, I was unaware the government assistance stopped assisting.next3 to 5 Months I was charged for Internet full price without service. Spoke with XXXX customer service and overturned some processed payments, reducing my aledged past due bill, as I do want to take of my financial obligations.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has fraudulently claimed I monetized funds with no ability to use a debt card or monetize physical funds in my account. 

I am requesting urgent action as I have been prevented from banking as Televised Host in XXXX XXXX XXXX for more than a year under CAPITAL ONE 's negligence to comply with XXXX Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and further failure to correspond with XXXX XXXX XXXX XXXX : XXXX. Now reaching it's THIRD internal review following correspondence with XXXX XXXX I requesting urgent assistance from your office regarding these discriminatory matters preventing me from banking.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AP)

Good morning, I have just received a letter requesting a debt payment from a company I have never done business with. I do not know this company and they are not who I get insurance from. This is a completely fraudulent charge. 

Company # 1 XXXX XXXX Debt : {$2900.00} Company # 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Due date : XXXX XX/XX/XXXX Date received letter XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-01-17
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (CA)

This is a follow-up 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I have received bills from three different financial services requesting debt from medical services dated XX/XX/18 with different amounts every time. 

I just received a bill of XXXX from Phoenix Financial Services XXXX I received multiple bills from third party collection agencies previous to this bill from other financial service companies. 

However, I did not receive any bill from any medical institution or bill collector with this amount within the 11 month window required by Texas Law. 

According to Texas Civil Practice Law : " Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the first day of the XXXX month after the date the services are provided. '' Therefore, this collection practice from Phoenix and the previous debt collectors is illegal according to Texas Law from my eyes.

I have communicated this to two previous holders of this illegal debt and they communicated over the phone that I would not be followed up with and my debt was satisfied, however this case got passed on again to Phoenix Financial. 

I have reached out to attorney to advise me, but believe this is wrongful and illegal debt collection and should not effect my credit or my funds as it currently stands.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, XXXX or Transunion to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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: EQUIFAX, INC. (AL)

I disputed incorrect information on my credit report on XX/XX/2020 and received a completion on XX/XX/2020 That stated the item had been deleted. 

On XX/XX/2020 I pulled a new copy of my report and saw the address was still on my report. I called into the consumer report center to inquire why? I was told it was deleted again. 

On XX/XX/2020 I was sent Report # XXXX. The next day I pulled another report only to realize it was still on my report. 

I have called 3 more times and recorded each call to try and rectify the situation to no avail.. At this point i have been giving several different stories to why it's still on my report and non made sense.