davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

While dealing with my refinance with Rocket mortgage, my loan was closed on XX/XX/21 on the refinance which I was told the amount paid off this mortgage of {$180000.00}. and the automatic payment would be stopped. 

and on XXXX the balances show 's paid in full, and RM still automaticly took my XXXX payment on the same day. 

I called to explain this to several representives, and was told the money would not be refunded to me until the middle of the month. 

This is unacteptable, to have to wait this long to be refuned moneys that was taken in error, and that was not due to RM. 

I want to make a formal complaint because so many of the RM reps gave me different informtion and as of today I still have not been refunded the payment that was taken in error.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies XXXX, Experian, and XXXX on the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is XXXX, XXXX, and Experian in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?
Consumer complaint received 2022-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (MT)

In accordance with the fair credit reporting act XXXX Account # XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

{$1200.00} or XXXX which one is it? 

Going in updating wrong payment amount.. I have screen shoot and photo evidence of them through the months Ive called to settle/ pay in full they company did not want to accept payment Threatening to Leave on consumers report!!!
Consumer complaint received 2022-10-13
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I received multiple offers to apply for a Chase XXXX business card from Chase but when I applied in my business name i was declined based on my business being newnbut i was sent out these promotional offers asking my business I received to hard inquires because this im asking the inquiries be removed from my XXXX credit profile JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2022-10-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXXL XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2021-11-15
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. (NY)

There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, XXXX and Equifax. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.
Consumer complaint received 2021-11-15
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. (NY)

There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, TransUnion and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Accounts- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I fell behind on my mortgage payments in XXXX  due to many issues impacting my marriage and my finances. I put the house up for sale, then sold the house in XX/XX/2019. My broker and title company satisfied the outstanding amount on my loan to XXXX and XXXX. Since XXXX  I have been trying to rent and now I am trying to purchase a new house and the credit reporting agencies have my mortgage listed as charged off. In addition to that the mortgage company did not return my escrow payment to me, they sent it to the state of pennsylvania. I have been suffering trying to live a decent quality of life due to this. I have forwarded the closing documentation from my broker and title company to the old mortgage company XXXX, XXXX lending and they refuse to correct and update my records nor my credit reporting information. I have sent faxes to them at XXXX requesting updated information and I attached recording documentation proving I paid the mortgage off. My current potential mortgage adviser is impacted because they want to show that the mortgage was paid off and I can't do that because of the erroneous reporting from the old mortgage company. In addition to that my potential future interest rate has more than doubled due to this error. I am no longer seen as a responsible borrower to creditors.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (CT)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

Our COVID-19 related forbearance on our XXXX XXXX loan expires XX/XX/2021. 
In order to request a payment COVID-19 payment deferral we were instructed by a phone representative and via the end of forbearance emails we received from XXXX and TIAA bank , that we should fill out a mortgage assistance application in order to be evaluated for the COVID-19 payment deferral. 
On XX/XX/2021, we downloaded the mortgage assistance application, completed it, included all requested documentation, and mailed it to XXXX TIAA Banks loss mitigation department via USPS . We also emailed it to XXXX. 
Along with the application we stated : The forbearance plan for our Fannie Mae backed home mortgage loan ended on XX/XX/2021 and we are requesting a COVID-19 Payment Deferral.

Our COVID-19 related hardship has been resolved and we are able to continue making our full monthly mortgage payment. At this time, we are unable to afford a full reinstatement or a repayment plan to bring our mortgage loan current. 
Today on XX/XX/2021 we received a Flex Modification Solicitation Cover Letter and Agreement to sign. This is not what we want to do as it doesnt provide any deferment on our forbearance amount and will negatively impact our credit. We are able to afford the monthly payment under the current terms of the mortgage and do not want to extend this loan to 480 months. 
We immediately called XXXX and inquired as to why were sent this agreement instead of the requested COVID-19 payment deferral. We were told that because we completed the mortgage assistance application, we were applying for a flex modification loan. We told the representative we do not want a modification on our mortgage loan and would like to be evaluated for a COVID-19 payment deferral. 
I feel that XXXX isnt following all the requirements for a mortgage servicer post COVID-19 forbearance. As per the Fannie Mae Lender Letter ( XXXX ), we feel that we meet the Eligibility Criteria for a COVID-19 Payment Deferral. However, even though we specifically requested to a COVID-19 payment deferral, we have yet to be evaluated for it or offered one.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my Equifax score to drop.
Consumer complaint received 2016-02-02
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (VA)

I opened a XXXX IRA with Wilmington Trust ( now M & T Bank ) in XXXX. Five years later, they failed to notify me of the 5-year CD 10-day window, even though I had informed the bank of my new address. I resolved not to miss the next 10-day window to transfer my funds to another bank in XXXX XXXX. In preparation, I made multiple calls to M & T bank to ask questions and notify them of my intent. No one from M & T could facilitate my request to transfer funds, so I got the receiving bank to handle the transfer. When I confirmed the transfer, I discovered that M & T charged {$75.00} for the transfer -- even though it was during the 10-day " do with it what you like '' window and no one had informed me of this during my preparation period! When I called to ask them to reverse the fee, the branch manager said there was nothing he could do, and *then* M & T sent my statement declaring the {$75.00} transfer fee -- after the fact!
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc (NY)

I stopped using Paypal a while ago. I tried to shut down the account. I had not used the account for almost a year. Now, I am receiving notices that are inappropriate transactions on my paypal account. This has happened three times. I have been contacted by customer service and have asked them to close the account. I tried to use Paypal as a nonmember and they harvested my address data without permission and attached it to my old account. I badly want my account shut down. There is no current credit card attached to this account. I think Paypal might harvest my credit card data without permission.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 15 ) years. 
My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX, OH XXXX and I have resided here for 15 years All other addresses are not accurate, please remove them immediately XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My current telephone number is : XXXX Please remove all other numbers IMMEDIATELY, they are not accurate. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I spoke with a rep with Connecticut Dept Of Banking today, XX/XX/XXXX, regarding an affidavit for fraud, was told said affidavit should be issued/reissued for signature forgery. The amount of which is {$4200.00}, check intercepted in XX/XX/XXXX while on vacation. This matter was brought to Capital One 's attention in XXXX/XXXX of same year, a XXXX XXXX replied by attempting to infer the person whom forged is related, failed to issue affidavit at the time. Subsequent reps including a XXXX, XXXX also failed to do the same. Most recently, a XXXX and a XXXX refuse to reissue, original affidavit closed out in error, no funds received. As explained in prior CFPB complaints, a prior statement was twisted around by Capital One rep named XXXX, whom then refused to reissue affidavit. A XXXX then attempted to refer me back to person whom cashed check in which case it is not my responsibility to do so, once brought to Capital One 's attention for fraud. Failing to refer me back, she then turned around, refused to reissue affidavit... She provided a number to reach out, does not accept or return calls as per usual, XXXX XXXX did not return seven messages left in the past... This is typical behavior for Capital One reps. This matter has been ongoing since XXXX, Capital One refuses to cooperate in reissuing affidavit..
Consumer complaint received 2021-11-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

the following amounts were taken from my savings/checking account with Bank of America . They were part of a series of other transfers made without my authorization. 

The transactions took place on XX/XX/2021, as follows : XXXX Transfer - XXXX - {$490.00} XXXX Transfer - XXXX - {$490.00} XXXX XXXX - XXXX - {$500.00}
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Over a period of three days in early XXXX, 2021, USAA Bank allowed a number of fake checks totaling almost $ XXXX to be deposited via its mobile deposit app feature into a joint checking account and a joint savings account that I share with my niece, XXXX. My niece, who lives in XXXX, VA, was complicit in the fraud and I have been working with the bank to resolve the issue. I live in XXXX, VA, four hours from XXXX and I was not aware of the fraud and did not participate in the fraud. However, I have been working diligently to bring the account back to {$0.00} in order to close the account and disassociate myself from my niece and her wrongdoing. 

I am upset and frustrated that when USAA Bank accepted those deposits ( each fraudulent check was over {$9000.00} ) they DID NOT PUT A HOLD ON ANY OF THE MONEY, and USAA ALLOWED MY NIECE IMMEDIATE ACCESS TO ALL THE FUNDS. She was able to use her ATM debit card immediately AND REPEATEDLY to withdraw {$12000.00} out of the account in reliance on the fraudulent checks. She made numerous {$1000.00} withdrawals from the same XXXX, VA ATM ( again, totaling {$12000.00} ) over a span of two or three days, in reliance on those fake checks. She was also able to use an XXXX XXXX XXXX. to pay a third party {$1900.00}, again in reliance and against the $ XXXX in fake checks she deposited. 

I believe this is an unacceptable banking practice. Those checks, at minimum, should have had at least half of the funds placed on hold, until the bank confirmed that those checks were legitimate and that those funds were available. 

Because they allowed the joint account holder immediate access to ALL OF THOSE FUNDS, I was responsible for paying restitution to the bank to bring the account back to {$0.00} so I could close the account. The total amount I owed as a joint account holder for USAA Bank 's oversight is {$14000.00}. I believe the damage could have been much less had USAA Bank practiced sound banking policies to protect consumers like me from this type of fraud.