davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (NJ)

On about XX/XX/XXXX we applied for a mortgage to purchase a property in XXXX XXXX, XXXX XXXX. We were told that Flagstar required only a 10 % down payment and a survey was NOT required. After we applied for the mortgage, on XX/XX/XXXX we received an estimated closing cost for {$55000.00}. The estimated closing costs were revised several more times. On XX/XX/XXXX, we received an estimated closing cost of {$86000.00}. Then on XX/XX/XXXX the closing cost again changed to {$47000.00}. None of these closing costs estimates matched the estimates of our attorney at the time. The estimates were all much higher. The whole process with applying for the loan presented problems. Each time we were told the loan would be closed as soon as we sent document A and Document B. After we sent these documents, then it would be just send document C and document D. Initially based on the initial closing cost estimates the loan was expected to close on XX/XX/XXXX but that did not occur. Finally, there seems to be some fraudulence in the ever changing estimated closing costs and that Flagstar gained representation by our very own lawyer XXXX XXXX. I was notified by the attorney I hired, XXXX XXXX on XX/XX/XXXX that he was no longer representing us and that he would be representing only Flagstar Bank in this transaction. He informed me that Flagstar had contacted him to represent them and he accepted their offer. I learned this information upon trying to determine who hired a surveyor company to survey the property without informing me. It was Flagstar bank. This was surprising because Flagstar ( XXXX XXXX ) told us a survey was not required. After learning that we no longer had a lawyer, our loan officer sent us an email stating all they needed to close was the title and they were unsuccessful in getting in contact with MY lawyer, who was really their lawyer. After informing our loan offer that we no longer wanted to proceed with the loan due to all the false information and inconsistencies, we received an email promptly stating they had received the title. All of the challenges with closing this mortgage has led us to the conclusion that Flagstar Bank is involved in fraudulent practices.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

NOTICE : XXXX and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NORTHWEST BANCSHARES INC (PA)

In XXXX of this year I would use my credit card/no interest bearing to make farm purchases such as fertilizer/seed on sale. It take 2-3 days to post on my account and then within a 2 week period I pay the amount off. XXXX for the second time this year punished me for using my credit card by lowering my score by XXXX from XXXX to XXXX resulting in receiving an higher interest rate on a pending new equipment purchase which is now on hold. Never late, pay in full early. This act is fraudulent that it punishes me with higher loan rates for wisely using my credit short term on sale items which is cost effective. 
In the past XX/XX/XXXX I filed with the XXXX  and XXXX reversed and added to my score? Same fraudulent act being conducted. Including incorrect credit history period. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Consumer complaint received 2022-06-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

In XX/XX/XXXX my hours were reduced due to COVID-19. I was granted a 6 month forbearance on my FHA mortgage serviced by Dovenmuehle. I resumed payments in XXXX of XXXX. I reached out to the Loss Mitigation to select how to modify my loan and went with putting the payments at the back of the loan. When asking if there was anything to sign, I was told by the representative that he was taking care of things over the phone. I wish I knew then what I know now. 

I then received a loan modification packet, not knowing what they were I called Loss Mitigation again. They said not to worry about it and I could toss it. I then received two more loan modification packets. I started to get nervous, I signed all 3 packets and had them notarized and sent them back, this all happened in XX/XX/XXXX. I was able to reach Loss Mitigation again to confirm receipt of the documents, they confirmed. Please note it would take multiple calls and emails in order to reach anyone to speak with. 

As mentioned, I resumed payments in XXXX in XXXX and never thought twice about it again. That was until I went to refinance my mortgage. I was asked for a loan modification document to show when the forbearance started, ended and what terms were agreed upon. The lender also needed an updated loan statement. I realized I had not seen one in a very long time, I make online payments through my bank. I reached out to Dovenmuehle 's Loss Mitigation department. This time is was even more difficult to reach someone, after much frustration I get a call back. They have no idea of what I'm talking about. I started getting mail stating I was in default, how is that even possible with a loan modification?! At the end of all of this back and forth, it has become obvious that Dovenmuehle never completed the loan modification and are showing me behind in my payments, which I am not. I'm angry that they hold my ability to refinance my home, I don't know what else I can do. They will not call me back, I haven't heard from them now for 3 weeks even thought I try every day. 

Please advise what I can do.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (IL)

So here is the thing. Ive been trying to work this out since XXXX and nobody is helping me. Customer service has no answers. You can never reach a supervisor and they never call you back. I have sent over 50 emails with no response. I talked to a person at avant that said the company came to the conclusion the card was issued fraudulently. Fine. Now all i want is a letter saying im not responsible for the charges because avant said its fraud. One person tells you one thing and someone tells you something else. The agents constantly hang up on you. My next step is to contact a lawyer because ive had enough. Since avant investigated and said it was fraud i want my name cleared. I want it off my credit and i want the balance settled. This need to be worked out now!
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/21, the Solutions Department from Comenity Bank called my cellphone about someone else 's debt that they assume to be my friend/family member. I do know this person, and they shared a revelation of debt, asked me to call them back, and requested the person 's contact information. All of this was left on my voicemail. 

When I called Comenity back, I was told by Comenity that they are legally allowed to share all of the above-mentioned information about this person 's debt with me ( based on the state she lives in and because they are internal not third party collections ) and confirmed that the person has a debt. 

When I spoke with a supervisor XXXX XXXX # XXXX XXXX about my concerns related to consumer privacy ( as it turns out I am a customer there, too ), she turned my concern into a XXXX  maze of confusion and was pretty nasty. She refused to follow-up on my concerns. 

Customers, beware!
Consumer complaint received 2022-02-03
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Motor Credit incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by Toyota Motor Credit that Auto loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX points when trying to purchase a new home because of the inaccurate late payments. I called Toyota Motor Credit and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.
Consumer complaint received 2024-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The vehicle was sold and they still continue to report it on my credit report when they already collected the full amount and are making a false representation of an alleged debt that does not exist. Also the amounts in the different credit agencies are different, some say they finance one amount and the other says another. that's fraud. 

15 USC 1681 ( a ) ( 1 ) Truth In Lending Disclorures. I have the right to see the division of said credit transaction. Regulation Z, Regulation M After having sold the property and paying off the alleged debt, they continue to report it on my credit reports as if it is a real debt, making a false representation. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$35.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$9200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$26000.00} Highest balance
Consumer complaint received 2022-06-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (AL)

On XX/XX/2022 I submitted an application to refinance my home with Lower.com. I advised XXXX XXXX that there were XXXX loans showing on my credit that were not mine ( they belong to the church that I am the financial officer for ). He told me that this was not a problem, that I would only need to submit bank statements from the church, showing where it is paying the loan and I did that. Fast forward a few weeks and I am told that is not enough, so I went to the bank, had the bank President write me a letter stating that the commercial loans were not mine and that they would be promptly removed from me credit report. I submitted the documentation to Lower.com and they said they had already made a determination based on the loans showing that I had been denied the loan. 

I ask what can I do now, and I was told that the loan application had been closed and that he could redo the application and everything should be fine. After numerous attempts to get to the closing table, Lower.com 's underwriters would not take in to consideration the fact that these items had been removed from my credit and that I had provided more than plausible explanation and documentation for the loans. 

After going as far as having the title clear to close, the appraisal and fulfilling every single requirement that was asked of me through XXXX loan applications, I am told by XXXX XXXX that he " doesn't think they are going to be able to make it work ''. I asked if they had pulled a new credit report and was told no they hadn't ( I already knew this because I monitor my credit on multiple platforms. ) I asked why they could not pull a fresh credit report, and was told that they would. THEY NEVER DID! Then I was told over the phone that they weren't going to be able to make the loan work. 

I was given two months of runaround by Lower.com which resulted in me having to work with another lender, all the while interest rates are climbing. I was locked in at 4.00 % and honestly think that they did not want to honor the interest rate lock and shut me down because of it! I never received any documentation stating a reason that the loan had been denied, as XXXX said. 

Seeing how I was not going to get anywhere with Lower.com, I went to XXXX XXXX to get a rate locked in with them. By this time, the best rate I could get was 4.99 % because of the climbing interest rates. By Lower.com doing this to me they have cost me over {$20000.00} over the life of the loan. I am beyond outraged with them and their lack of diligence. I had to contact XXXX 's supervisors on at least XXXX different occasions to get a call back from him. The last time, I was contacted by someone who represented himself as " a Vice President '' and was told that he would take over the account and work with me from thereon, and that after speaking to XXXX he would call me back by the end of the day. Well, the end of the day apparently still hasn't gotten here two months later.
Consumer complaint received 2016-07-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TN)

Took out a {$200.00} loan in XXXX at Speed Cash in Tennessee. They have debited my account for two years {$60.00} to {$90.00} every month. Its XXXX and they say I still owe {$320.00} to pay off. This is the biggest rip off that I have ever seen. This place need to be stopped.
Consumer complaint received 2022-06-02
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. (CA)

I contacted the following creditors regarding my accounts showing late payments and asked kindly for them to be removed but they will not remove them. I was never late on these accounts and demand for the profiles to be deleted from my credit report. 

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 ACCT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DEPT OF ED/ XXXX XXXX {$11000.00} {$8600.00} {$6300.00} {$5000.00} DEPT OF ED/ XXXX ACCOUNT NUMBER XXXX {$11000.00} {$8600.00} {$9900.00} {$5000.00} {$5100.00} {$3100.00} {$3300.00} 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 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 crimes 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I notified TransUnion via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. TransUnion has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to TransUnion via certified mail on XX/XX/XXXX. 
Dispute Account : XXXX XXXX Account Number : XXXXOpening Date : XX/XX/XXXX
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 my checking account was charged {$250.00} for a service i did not authorize. This was for a local hair salon, i reached out to my bank filed a dispute, dispute was denied. XXXX XXXX XXXX in XXXX is who charged my account and i was told i could reschedule for another day, and she has the right to charge my account. Bank of America denied my claim, after indicating what happened and that i never authorized nor did i receive services. 
There was no way i would have been able to authorize such thing as I was quarantined at home, was XXXX XXXX and now being charged this ridiculous amount plus an overdraft fee.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MI)

I had a voicemail this morning ( XXXX ) from CitiGroup asking me to call to approve a new Best Buy credit card application. I was told to call XXXX XXXX XXXX and give reference number XXXX XXXX XXXX. I did not apply for a new credit card. I chatted online with Best Buy and they told me to contact you.
Consumer complaint received 2022-06-02
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. (GA)

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX # 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
Consumer complaint received 2020-03-31
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 found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 instruction.
Consumer complaint received 2022-06-02
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. (FL)

From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit.

I hope you can help me.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit. 

I hope you can help me.
Consumer complaint received 2022-06-02
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)

I notified Experian via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. Experian has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to Experian via certified mail on XX/XX/XXXX. 
Disputed Account : XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX