davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (OH)

My XX/XX/2020 statement for a mortgage loan from Guaranteed Rate Inc. indicated they had not credited the payment I sent to them in XX/XX/2020. I sent them a letter on XX/XX/2020 asking them to correct the error they made. 

I received a response from them on XX/XX/2020 stating they had found the payment I made and applied it correctly. They also stated they were crediting all late fees and no negative credit report had been filed. 

Since receiving that letter I continue to get collections letters from them. I also have received 2 separate billings for the month of XX/XX/2020 that continue to add late fees. 

Despite numerous phone calls to Guaranteed Rate Inc. they still have not corrected their error. 































































































































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Consumer complaint received 2020-10-01
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (MD)

I opened a Barclays credit card and received miles for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX bank ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so there was no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto the Barclays website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with a much lower credit score due to this discrepancy. I kindly requested again that Barclays remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I did not receive notice emails from Barclays about an outstanding balance in XXXX, XXXX, and XXXX or any mail correspondence of a deliquent balance. Furthermore I was not worried about any potential balance because I thought I was enrolled in autopay. Additionally XXXX were very stressful times because of the COVID-19 pandemic and work related challenges. Barclays is unwilling to remedy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled for auto-pay.
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (NY)

To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I just went through construction on my home and the bank uses a computer assisted rate to estimate my new tax amount which is over {$10000.00} off. I have called my tax department to verify my new tax rate but they can not give me anything in writing until the new rates are set but have assured me that it will not be over {$11000.00}. The bank says it will be over {$22000.00} based on their computer automated system. This is causing me be have to pay over {$1000.00} extra every month into my escrow account which is a huge financial burden.
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 — Account information incorrect
Company: CITIBANK, N.A. (GA)

Macys account reporting on credit report. Macys charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NY)

On XX/XX/2019 hard inquiries were made without my authorization by CREDCO, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2019 hard inquiries were made without my authorization by XXXX, XXXX XXXX XXXX, and BB & T DEALER FINANCE. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (PA)

Better.com advertises a {$100.00} rate match guarantee. They state that if they match another competitor 's rate within one business day of a loan estimate, they will credit you {$100.00} or give you {$100.00} if they can't beat it. The exact wording found at https : //better.com/faq/better-guarantee/whats-the-better-price-guarantee is as follows : " What's the Better Price Guarantee? 

We'll match any valid competitor 's offer, and credit you an extra {$100.00}. If we can't, the {$100.00} is yours to keep. 

If you think another lender has a more competitive price, just send us their loan estimate within one business day from the date it was issued. Well either do better by at least {$100.00}, or send that {$100.00} to you ; you win either way. '' I followed the process and was in contact with a XXXX XXXX who answered my initial email sent to XXXX. She tied in a representative at XXXX, who said that they were unable to beat the rate I was quoted by XXXX within the one business day requirement. After being unable to match the rate, I've replied numerous times inquiring about what my next step is to claim the {$100.00} to XXXX, address to the original XXXX XXXX, and XXXX.
Consumer complaint received 2023-01-06
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)

Equifax illegitimately assumed the role of reporting information about me. I've reach out to Equifax ; in attempts to resolve their careless and reckless actions ; amicably and out of court more times than I've kept record of ; via telephone and USPS Certified Mail ( Tracking # s : XXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Equifax purposefully continued to commit fraud. Equifax unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Equifax committed aggravated identity theft against me. Their actions put me at risk further of identity theft. Equifax also willing directly violated the XXXX Finance Code, Chapter XXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Equifax admitted to my claims by attempting to redress this matter with monetary compensation of {$5.00} ( XXXX XXXX XXXX XXXX  cents Via Check # XXXX ) which is insufficient in comparison to the damages they've caused. Due to Equifax lawlessness I've suffered severe financial injury and grave mental turmoil. I've been denied extensions of my own credit in excess of well over {$100000.00} ( XXXX XXXX XXXX Dollars ).
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CarMax, Inc. (TX)

On XX/XX/21 date my car was totalled. After speaking with my insurance company they told me that they sent over insurance information to car max. On XXXX ( dates after my insurance company sent CarMax insurance money ) CarMax sent me a letter stating that my account was paid. However, upon checking my credit report I noticed that there are late payments on my credit report after receiving a letter from CarMax stating that my account balance was taken care of. The attached documents with dates shows a timeline of events. I am asking that car max remove all late payments on my account due to the fact that this is an error in their part. I am unable to purchase a car to take myself to and from work because of the incorrect information they placed on my credit report. Again please see attached pictures and documents with dates which explains the timeline of events.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

Binance.US was working fine until XX/XX/2020, disabled my trading, deposit and transfers, then sends me an email that i need to deposit XXXX $ in 7 days or they will lock my account. They locked my account and now I cant do anything with all the money in there. 
Recently they said I can send a XXXX $ fee and they will unlock my account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-01
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: Experian Information Solutions Inc. (NC)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-10-01
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. (NC)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

I received a CHASE debit card in the mail yesterday XXXX. I do not have a CHASE account. My husband shredded the card immediately. I called CHASE today and was told an account had been opened on XX/XX/2022 in my name which I did not do. I contacted the XXXX XXXX XXXX also. I also contacted my bank to give them a heads up. I was told {$200.00} was on the account. Claim # with Chase XXXX.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

My initial loan was secured through XXXX. On XX/XX/XXXX I received a notice of servicing transfer to Mr. Cooper indicating that any payments after XX/XX/XXXX, should be paid to Mr. Cooper. On XX/XX/XXXX, I submitted payment in the full amount to Mr. Cooper. On XX/XX/XXXX, I received a notice of escrow shortage indicating that my payment would increase starting XX/XX/XXXX. My mortgage is paid directly by ETF from my primary checking account. I changed the amount to the new amount shown in the escrow shortage notice. For reasons unknown, the amount paid for my XX/XX/XXXX payment did not include the {$190.00} increase for the adjusted escrow. However, since XX/XX/XXXX, every single payment made has been the full amount of our mortgage. However, Mr. Cooper failed to post these payment and instead instituted a partial payment suspense account with no notice whatsoever other than the subsequent invoice. Mr. Cooper has failed to provide any notice of any shortfall, delinquency or default and instead has simply sat idlily by charging late fees and damaging our credit. We have never received an email, letter, text or phone call that Mr. Cooper believed our account was short or left unpaid. Only until notice from the Credit Reporting Bureaus did we realize what had happened. In researching this, it is cleat the Mr. Cooper is a company that preys on its customers as opposed to providing any kind of " service ''. I have never missed a mortgage payment in 25 years and now due to a mix-up on an escrow shortage this company has purposefully and deceitfully used an {$190.00} escrow shortfall ( which quite clearly has been paid every month after XX/XX/XXXX showing a clear misunderstanding ) to not only damage our credit but generate {$990.00} is undisclosed, undocumented " late fees '' while showing that our mortgage in not in default. As stated, I never received any notice whatsoever of the escrow gap that quite clearly was an honest mistake. This company is no stranger to the CFPB and has been paying fines quite literally every year in the past decade for similar behavior not to mention a handful of civil class action settlements. I'm curoius how much is enough for the regulators to allow before they actually regulate Mr. Cooper out of existence. Clearly fines and class action settlements have not changed their ways and it is incomprehensible that after the Great Recession in XXXX and thereafter ( when this agency was created ) I am left with having to file a civil lawsuit against a company that so clearly is deceiving its " customers '' purposefully to reap improper " profits ''.
Consumer complaint received 2023-08-08
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)

XXXXXXXX XXXX XXXX was paid off.They said they would remove it from my credit reports after I paid it off but them and the credit agencies haven't done anything to delete it from my credit reports. 

XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

I requested the 180 forbearance on my mortage as granted to me by the federal cares act. I was contacted by a XXXX XXXX XXXX, on XX/XX/XXXX and was told I was granted the forbearance, and he requested that I send an email to the company attesting to my financial hardship from covid ( which is not allowed by the cares act ) but I sent the email anyways. Then a month later I find out, I was never granted the forbearance and was not given a reason as to why my federally granted rights were being violated.
Consumer complaint received 2020-08-14
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 (NJ)

out of work for 2 months for covid stayat home order. made plenty of oaynents in good faith to amex. i of course have proof how we were paying them. they call my home all day up to XXXX at night. i asked them to not keep calling me that there was a pandemic and we have been paying you. they said ok theyll cease and desist XXXX hung up. next thing i know they reported me deliquient and made my perfect XXXX score to XXXX they specifically said aa long as im paying them theyd not report me. they asked me for {$2600.00} per month and weve paid {$5000.00} payments in less than a month. unreal how to treat people at their worst time
Consumer complaint received 2020-10-01
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 never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX  submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/Equifax rep & need resubmitted w/XXXX.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ROBINHOOD MARKETS INC. (OH)

On XX/XX/2020 I made a Financial Transaction between my Checking Account and my Trading Account ( Returned ). I also made a Transaction ( Credit ) after and hat also has not cleared. The Transactions were  Fraudulently tampered with by Federal Law Enforcement Agents through possible DHS FISA Surveillance Warrant. At this time through FOIA Request to the XXXX for confirmation of a XXXX Warrant I would like to File a Formal Grievance with your agency to investigate this matter on purely a Financial Transaction Investigations for possible Fraud. 

The Financial Transaction Fraud I believe was enacted in were from both my Checking Account [ Insufficient Funds ] and Trading Account [ Debit Declines and Withdrawal Errors ]. By the possible Fraudulent Activity that could have been enacted on a Federal Law Enforcement and I had to investigate XXXX Law Enforcement SurveillancXXXX or Counter Intelligence Operations. 

I am currently a XXXX XXXX Student. I worked in XXXX for the XXXX  XXXX XXXX and XXXX XXXX. The Checking Account [ XXXX ] is located in Washington D.C. with an office right next door to the Department of Homeland Security who are able to Electronically Surveil Americans only if the have a Federal FISA Warrant. At this time I am awaiting determination if my Checking Account has been compromised for Intelligence Gathering Purposes and or Counter Intelligence Operations. 

The other account in question is my Robinhood Investment Account. Robinhood is a XXXX Application that allows Traders to Trade Equities around the world. The possible Financial Fraudulent behavior that was going on that and was Debit Card Denials. Also withdrawals from the Robinhood Account have not made it to the XXXX XXXX Account as well. 

Given the Robinhood Trading Applications has Risk and Min Liabilities I took to Robinhood to remedy the Errors and they have to confirm correction of error. I have documented contact with the Platform, Copies of Transactions and Spread Sheets of all Trades [ Buy/Sell ] that have yet to correct. 

I will like your Agency to Investigate Robinhood and XXXX for possible Fraudulent Warrantless Counter Intelligence Activity.